7Baggers
Quarterly
Annual
    Unit: USD2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 
      
    		                    
      assets
    		                    
      cash and cash equivalents
    		489,784,000 395,940,000 599,778,000 788,422,000                 
      restricted cash
    		347,121,000 305,520,000 239,750,000 187,841,000 210,493,000 185,827,000 138,622,000 99,382,000 98,447,000 66,221,000 64,917,000 110,056,000 145,956,000 123,990,000 254,866,000 204,633,000 130,301,000 111,246,000 79,049,000 60,514,000 
      loans
    		1,229,976,000 1,019,504,000 814,677,000 806,304,000 656,120,000 820,628,000 1,080,865,000 1,156,413,000 972,336,000 837,565,000 982,229,000 1,010,421,000 700,455,000 623,763,000 597,981,000 252,477,000 129,625,000 82,311,000 57,189,000 78,460,000 
      property, equipment, and software
    		44,259,000 43,942,000 42,407,000 39,013,000 38,328,000 39,728,000 40,555,000 42,655,000 48,010,000 47,010,000 46,977,000 44,168,000 40,990,000 36,054,000 29,816,000 24,259,000 18,898,000 13,549,000 10,098,000 10,032,000 
      operating lease right of use assets
    		34,646,000 37,620,000 40,557,000 43,455,000 46,318,000 49,144,000 51,936,000 54,694,000 77,339,000 80,349,000 83,382,000 86,335,000 87,475,000 90,352,000 93,219,000 96,118,000 70,025,000 16,208,000 17,265,000 18,310,000 
      beneficial interest assets
    		316,199,000 266,761,000 216,578,000 176,848,000 131,483,000 97,804,000 62,214,000 41,012,000             
      non-marketable equity securities
    		41,250,000 41,250,000 41,250,000 41,250,000 41,250,000 41,250,000 41,250,000 41,250,000 41,250,000 41,250,000 41,250,000 41,250,000 41,000,000 41,000,000 41,000,000  40,000,000    
      goodwill
    		67,062,000 67,062,000 67,062,000 67,062,000 67,062,000 67,062,000 67,062,000 67,062,000 67,062,000 67,062,000 67,062,000 67,062,000 67,062,000 67,062,000 67,062,000 67,062,000 66,866,000 66,866,000   
      other assets
    		334,551,000 300,269,000 234,218,000 216,763,000 172,652,000 143,990,000 144,634,000 146,227,000 143,780,000 151,919,000 134,399,000 138,720,000 131,702,000 126,598,000 126,982,000 121,104,000 77,491,000 72,990,000 51,937,000 40,046,000 
      total assets
    		2,904,848,000 2,477,868,000 2,296,277,000 2,366,958,000 1,808,980,000 1,820,224,000 1,927,667,000 2,017,100,000 2,001,779,000 1,763,712,000 1,821,720,000 1,936,054,000 1,915,310,000 1,917,018,000 1,987,591,000 1,820,455,000 1,606,130,000 904,583,000 488,588,000 477,255,000 
      liabilities and stockholders’ equity
    		                    
      liabilities:
    		                    
      payable to investors
    		93,400,000 91,669,000 83,114,000 60,173,000 60,778,000 65,502,000 59,081,000 53,580,000 51,607,000 44,049,000 41,047,000 90,777,000 93,844,000 105,712,000 139,802,000 107,598,000 84,312,000 76,947,000 56,490,000 45,501,000 
      borrowings
    		1,855,754,000 1,428,479,000 1,334,863,000 1,402,168,000 887,367,000 912,727,000 1,005,277,000 1,040,424,000 1,003,392,000 930,653,000 1,000,871,000 986,394,000 918,917,000 856,555,000 769,222,000 695,432,000 649,222,000 6,057,000 41,891,000 62,626,000 
      payable to securitization note holders
    		55,175,000 65,152,000 75,904,000 87,321,000 100,335,000 113,652,000 129,092,000 141,416,000 153,782,000            
      accrued expenses and other liabilities
    		116,250,000 126,725,000 78,680,000 133,800,000 111,616,000 77,259,000 62,055,000 71,438,000 51,853,000 47,689,000 46,991,000 66,946,000 73,647,000 75,785,000 91,723,000 103,418,000 71,951,000 70,379,000 42,869,000 35,669,000 
      operating lease liabilities
    		40,551,000 43,833,000 47,074,000 50,278,000 53,348,000 56,374,000 59,364,000 62,324,000 93,354,000 96,239,000 99,050,000 100,787,000 99,418,000 99,865,000 100,051,000 100,366,000 72,175,000 17,778,000 18,621,000 19,432,000 
      total liabilities
    		2,161,130,000 1,755,858,000 1,619,635,000 1,733,740,000 1,213,444,000 1,225,514,000 1,314,869,000 1,381,795,000 1,361,015,000 1,125,567,000 1,194,512,000 1,263,619,000 1,196,742,000 1,159,947,000 1,111,087,000 1,013,377,000 887,041,000 188,487,000 167,998,000 177,003,000 
      commitments and contingencies
    		                    
      stockholders’ equity:
    		                    
      common stock
    		10,000 10,000 10,000 9,000 9,000 9,000 9,000 9,000 9,000 8,000 8,000 8,000 8,000 8,000 9,000 8,000 8,000 8,000 7,000 7,000 
      additional paid-in capital
    		1,119,900,000 1,129,997,000 1,090,236,000 1,044,366,000 1,003,929,000 996,345,000 959,963,000 917,872,000 880,933,000 838,000,000 798,898,000 714,871,000 705,741,000 688,021,000 777,582,000 740,849,000 711,804,000 737,924,000 379,703,000 369,467,000 
      accumulated deficit
    		-376,192,000 -407,997,000 -413,604,000 -411,157,000 -408,402,000 -401,644,000 -347,174,000 -282,576,000 -240,178,000 -199,863,000 -171,698,000       -21,836,000 -59,120,000 -69,222,000 
      total stockholders’ equity
    		743,718,000 722,010,000 676,642,000 633,218,000 595,536,000 594,710,000 612,798,000 635,305,000 640,764,000 638,145,000 627,208,000 672,435,000 718,568,000 757,071,000 876,504,000 807,078,000 719,089,000 716,096,000 320,590,000 300,252,000 
      total liabilities and stockholders’ equity
    		2,904,848,000 2,477,868,000 2,296,277,000 2,366,958,000 1,808,980,000 1,820,224,000 1,927,667,000 2,017,100,000 2,001,779,000 1,763,712,000 1,821,720,000 1,936,054,000 1,915,310,000 1,917,018,000 1,987,591,000 1,820,455,000 1,606,130,000 904,583,000 488,588,000  
      cash
    		    445,274,000 374,791,000 300,529,000 368,405,000 516,581,000 443,672,000 386,942,000 422,411,000 683,970,000 790,431,000 757,828,000 986,608,000 1,041,460,000 506,287,000 257,017,000 250,819,000 
      accounts payable
    		       12,613,000 7,027,000 6,937,000 6,553,000 18,715,000 10,916,000 22,030,000 10,289,000 6,563,000 9,381,000 17,326,000 8,127,000 13,775,000 
      beneficial interests
    		        36,974,000 28,664,000           
      intangible assets
    		          14,562,000 15,631,000 16,700,000 17,768,000 18,837,000 19,906,000 20,975,000 22,131,000   
      retained earnings
    		           -42,444,000 12,819,000 69,042,000 98,913,000 66,221,000 7,277,000    
      notes receivable and residual certificates
    		               8,288,000 10,489,000 12,995,000 16,033,000 19,074,000 
      non-marketable equity security
    		               40,000,000     
      liabilities, convertible preferred stock, and stockholders’ equity
    		                    
      payable to securitization note holders and residual certificate holders
    		                    
      convertible preferred stock 0.0001 par value; 70,000,000 and 53,927,657 shares authorized as of december 31, 2020 and 2019, respectively; aggregate liquidation preference of 0 and 166,257 as of december 31, 2020 and 2019, respectively; 0 and 47,349,577 shares issued and outstanding as of december 31, 2020 and 2019
    		                    
      stockholders’ equity
    		                    
      total upstart holdings, inc. stockholders’ equity
    		                   300,252,000 
      noncontrolling interests
    		                    
      total liabilities, convertible preferred stock, and stockholders’ equity
    		                   477,255,000 
    The information provided in this report is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.