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

- Company: Upstart Holdings, Inc. (UPST)
- Period: As of 2026-06-30
- Filing: Q2 FY2026 10-Q, filed 2026-08-04, accession number 0001647639-26-000063
- Page: https://plicit.ai/financials/upst/fy2026-q2-balance-sheet
- Chart image: https://plicit.ai/charts/upst-fy2026-q2-balance-sheet-sankey.png

## Chart details

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.