Upstart Holdings, Inc. (UPST) FY2026 Q2 Balance Sheet

Upstart Holdings, Inc. (UPST) FY2026 Q2 Balance Sheet

Balance sheet as of 2026-06-30. The chart shows assets, liabilities and equity at that date.

Assets

3,171,273,000 US dollars

Liabilities

2,373,785,000 US dollars

Equity

797,488,000 US dollars

Loans (at fair value)

1,064,239,000 US dollars

Beneficial interest assets (at fair value)

545,938,000 US dollars

Restricted cash

526,320,000 US dollars

Cash and cash equivalents

455,957,000 US dollars

Other assets (includes $41,166 and $54,946 at fair value as of December 31, 2025 and June 30, 2026, respectively)

170,406,000 US dollars

Notes receivable and residual certificates (at fair value)

120,375,000 US dollars

Line of credit receivable (at fair value)

111,772,000 US dollars

Goodwill

67,062,000 US dollars

Property, equipment, and software, net

49,421,000 US dollars

Non-marketable equity securities

41,000,000 US dollars

Operating lease right of use assets

18,783,000 US dollars

Borrowings

2,003,129,000 US dollars

Accrued expenses and other liabilities (includes $15,219 and $24,967 at fair value as of December 31, 2025 and June 30, 2026, respectively)

170,974,000 US dollars

Payable to investors

145,208,000 US dollars

Payable to securitization note holders (at fair value)

32,122,000 US dollars

Operating lease liabilities

22,352,000 US dollars

Additional paid-in capital

1,145,141,000 US dollars

Common stock, $0.0001 par value; 700,000,000 shares authorized; 98,033,361 and 97,306,813 shares issued and outstanding as of December 31, 2025 and June 30, 2026, respectively

10,000 US dollars

Accumulated deficit

negative 347,663,000 US dollars

Gross equity (calculated)

1,145,151,000 US dollars. Net equity plus the magnitudes of its negative contributions equals gross positive equity. The negative contributions enter this reconciliation as add-backs; their filed signs stay negative.

Chart connections

• Assets equal liabilities plus consolidated equity. Consolidated equity includes noncontrolling interests when reported.
• Treasury shares and other negative equity contributions reduce equity.