Upstart Holdings Inc (UPST) - 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. Also explore Upstart Holdings Inc annual equity growth to track the company's year-over-year net asset growth rate.
Upstart Holdings Inc - Total Liabilities Trend (2018–2025)
This chart illustrates how Upstart Holdings Inc's total liabilities have evolved over time, based on quarterly financial data. See cash generation quality of Upstart Holdings Inc to measure how efficiently the company converts operating cash flow to free cash.
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 |
|---|---|---|
|
CCC S.A.
WAR:CCC
|
Poland | zł8.62 Billion |
|
ArcBest Corp
NASDAQ:ARCB
|
USA | $1.17 Billion |
|
Indah Kiat Pulp & Paper Tbk
JK:INKP
|
Indonesia | Rp5.77 Billion |
|
Gold Road Resources Ltd
AU:GOR
|
Australia | AU$382.05 Million |
|
Aerospace CH UAV Co Ltd
SHE:002389
|
China | CN¥2.14 Billion |
|
Viscofan
MC:VIS
|
Spain | €573.61 Million |
|
Sprott Inc.
TO:SII
|
Canada | CA$217.31 Million |
|
TAG Immobilien AG
F:TEG
|
Germany | €5.63 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 full company profile including market capitalisation, see UPST market cap.
Liquidity & Leverage Metrics
Key Metrics Explained
| 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