Upstart Holdings Inc Total Liabilities
Upstart Holdings Inc total liabilities. Based on the latest financial reports, Upstart Holdings Inc (UPST) has total liabilities worth $2.18 Billion USD as of December 2025. Total liabilities represent everything the company owes to external parties, combining both current liabilities—like accounts payable, short-term debt, and accrued expenses—and non-current liabilities such as long-term debt, pension obligations, lease liabilities, and deferred tax liabilities. Check financial resilience of Upstart Holdings Inc to evaluate the company's liquid asset resilience ratio.
Total Liabilities of Upstart Holdings Inc (2018–2025)
Total liabilities of Upstart Holdings Inc from 2018 to 2025. This chart illustrates how Upstart Holdings Inc's total liabilities have evolved over time, based on quarterly financial data. Explore Upstart Holdings Inc long-term investment allocation to see how much of total assets are deployed in long-term investments.
Upstart Holdings Inc Competitors by Total Liabilities
The table below lists competitors of Upstart Holdings Inc ranked by their total liabilities.
| Company | Country | Total Liabilities |
|---|---|---|
|
Angang Steel Co Ltd Class A
SHE:000898
|
China | CN¥54.36 Billion |
|
Warby Parker Inc
NYSE:WRBY
|
USA | $380.33 Million |
|
Shandong Publishing & Media
SHG:601019
|
China | CN¥5.99 Billion |
|
AviChina Industry & Technology Company Limited
F:AVT
|
Germany | €107.22 Billion |
|
West African Resources Limited
F:W25
|
Germany | €957.40 Million |
|
AF Gruppen ASA
OL:AFG
|
Norway | Nkr13.29 Billion |
|
Jafron Biomedical Co Ltd
SHE:300529
|
China | CN¥1.74 Billion |
|
ServisFirst Bancshares Inc
NYSE:SFBS
|
USA | $16.26 Billion |
Liability Composition Analysis (2018–2025)
This chart breaks down Upstart Holdings Inc's total liabilities into key components over time: long-term debt, short-term debt, other current liabilities, and other non-current liabilities. Toggle between absolute values and percentage view to see how the composition has shifted. For the complete balance sheet picture, see balance sheet size of Upstart Holdings Inc.
Liquidity & Leverage Metrics
Upstart Holdings Inc Total Liabilities Ratios Explained
Upstart Holdings Inc total liabilities ratios compare its liabilities with its current assets, cash and shareholder equity.
| Metric | Value | Description |
|---|---|---|
| Current Ratio | N/A | Measures ability to pay short-term obligations (Current Assets ÷ Current Liabilities) |
| Quick Ratio | N/A | More stringent measure of short-term liquidity ((Current Assets - Inventory) ÷ Current Liabilities) |
| Cash Ratio | N/A | Most conservative liquidity measure (Cash & Equivalents ÷ Current Liabilities) |
| Debt to Equity | 2.72 | Measures financial leverage (Total Liabilities ÷ Shareholder Equity) |
| Debt to Assets | 0.73 | Portion of assets financed with debt (Total Liabilities ÷ Total Assets) |
Liability Trends Comparison
This chart compares key liability metrics across different time periods, showing how Upstart Holdings Inc's debt structure has evolved. The comparison includes total liabilities, long-term debt, and current liabilities.
Annual Total Liabilities for Upstart Holdings Inc (2018–2025)
The table below shows the annual total liabilities of Upstart Holdings Inc from 2018 to 2025.
| Year | Total Liabilities | Change |
|---|---|---|
| 2025-12-31 | $2.18 Billion | +25.51% |
| 2024-12-31 | $1.73 Billion | +25.47% |
| 2023-12-31 | $1.38 Billion | +9.35% |
| 2022-12-31 | $1.26 Billion | +24.69% |
| 2021-12-31 | $1.01 Billion | +472.52% |
| 2020-12-31 | $177.00 Million | -61.11% |
| 2019-12-31 | $455.15 Million | -16.13% |
| 2018-12-31 | $542.65 Million | -- |
About Upstart Holdings Inc
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of cred… Read more