Upstart Holdings Inc Defensive Interval Ratio
Upstart Holdings Inc defensive interval ratio. Upstart Holdings Inc (UPST) has a Defensive Interval Ratio of 440 days as of September 2025. Defensive assets of $276.38 Million (cash $-, short-term investments $41.25 Million, receivables $235.13 Million) cover 440 days of daily cash needs of $627.91K/day. See UPST working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of Upstart Holdings Inc (2018–2024)
Defensive interval ratio of Upstart Holdings Inc from 2018 to 2024. This chart shows how Upstart Holdings Inc's Defensive Interval Ratio has evolved across 7 annual periods from 2018 to 2024. As of September 2025, the ratio stands at 440 days, meaning defensive assets of $276.38 Million can fund 440 days of operations without new revenue. Check Upstart Holdings Inc liquidity resilience to evaluate the company's liquid asset resilience ratio.
Upstart Holdings Inc Defensive Interval Ratio by Year (2018–2024)
Upstart Holdings Inc defensive interval ratio by year from 2018 to 2024. The table below presents the year-by-year Defensive Interval Ratio for Upstart Holdings Inc from 2018 to 2024, covering 7 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For the complete balance sheet picture, see balance sheet size of Upstart Holdings Inc.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 155 days | $131.74 Million | $850.08K/day | $- | $5.18 Million | ▲ +78 days |
| 2023 | 77 days | $96.59 Million | $1.26 Million/day | $- | $41.25 Million | ▼ -9 days |
| 2022 | 86 days | $94.08 Million | $1.10 Million/day | $- | $41.25 Million | ▼ -102 days |
| 2021 | 188 days | $72.18 Million | $383.82K/day | $- | $8.38 Million | ▲ +46 days |
| 2020 | 142 days | $30.73 Million | $216.65K/day | $- | $- | ▲ +3 days |
| 2019 | 138 days | $42.44 Million | $306.59K/day | $- | $- | ▲ +113 days |
| 2018 | 26 days | $5.05 Million | $196.75K/day | $- | $- | — |