$UPST Balance Sheet | Understand Stock

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$UPST

$30.27 -$0.02 (0.07%)

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Balance Sheet

Concept	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1	2023 Q4	2023 Q3	2023 Q2	2023 Q1	2022 Q4	2022 Q3	2022 Q2	2022 Q1	2021 Q4	2021 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments	$472.9M -21.15% YoY	$652.4M -17.25% YoY	$489.8M 10.0% YoY	$395.9M 5.64% YoY	$599.8M 99.57% YoY	$788.4M 114.01% YoY	$445.3M -13.81% YoY	$374.8M -15.53% YoY	$300.5M -22.33% YoY	$368.4M -12.79% YoY	$516.6M -24.47% YoY	$443.7M -43.87% YoY	$386.9M -48.94% YoY	$422.4M -57.19% YoY	$684.0M -34.33% YoY	$790.4M 56.12% YoY	$757.8M 194.87% YoY	$986.6M 293.38% YoY	$1.041B 1857.63% YoY
Cash & Equivalents	$472.9M -21.15% YoY	$652.4M -17.25% YoY	$489.8M -25.31% YoY	$395.9M -29.37% YoY	$599.8M 36.58% YoY	$788.4M 68.54% YoY	$655.8M 6.62% YoY	$560.6M 9.95% YoY	$439.2M -2.81% YoY	$467.8M -12.15% YoY	$615.0M -25.89% YoY	$509.9M -44.24% YoY	$451.9M -55.38% YoY	$532.5M -55.3% YoY	$829.9M -29.17% YoY	$914.4M 48.08% YoY	$1.013B 201.34% YoY	$1.191B 282.63% YoY	$1.172B 959.0% YoY
Short-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Other Short-Term Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Prepaid Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Receivables	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Other Receivables	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Short-Term Assets	N/A	$699.0M -16.45% YoY	$533.3M 8.54% YoY	$450.6M 8.64% YoY	$642.8M 88.42% YoY	$836.7M 104.61% YoY	$491.4M -11.91% YoY	$414.8M -15.31% YoY	$341.2M -20.64% YoY	$408.9M -12.83% YoY	$557.8M -23.99% YoY	$489.8M -41.45% YoY	$429.9M -46.69% YoY	$469.1M -54.99% YoY	$733.8M -31.51% YoY	$836.6M 55.49% YoY	$806.4M 193.15% YoY	$1.042B 297.0% YoY	$1.071B 1619.82% YoY
LONG-TERM ASSETS
Property, Plant & Equipment	$48.00M 13.19% YoY	$44.17M 13.23% YoY	$44.26M 15.47% YoY	$43.94M 10.61% YoY	$42.41M 4.57% YoY	$39.01M -8.54% YoY	$38.33M -20.17% YoY	$39.73M -15.49% YoY	$40.56M -13.67% YoY	$42.66M -3.43% YoY	$48.01M 17.13% YoY	$47.01M 30.39% YoY	$46.98M 57.56% YoY	$44.17M 82.07% YoY	$40.99M 116.9% YoY	$36.05M 166.1% YoY	$29.82M 195.27% YoY	$24.26M 141.82% YoY	$18.90M -17.83% YoY
Goodwill	$67.06M -0.06% YoY	$67.10M 0.0% YoY	$67.10M 0.0% YoY	$67.10M 0.0% YoY	$67.10M 0.0% YoY	$67.10M 0.0% YoY	$67.10M 0.0% YoY	$67.10M 0.0% YoY	$67.10M 0.0% YoY	$67.10M 0.0% YoY	$67.10M 0.0% YoY	$67.10M 0.0% YoY	$67.10M 0.0% YoY	$67.10M 0.06% YoY	$67.10M 0.35% YoY	$67.10M 0.35% YoY	$67.10M N/A	$67.06M N/A	$66.87M N/A
Intangibles	$8.004M -12.48% YoY	$8.289M -12.11% YoY	$8.575M -11.74% YoY	$8.860M -11.42% YoY	$9.145M -11.1% YoY	$9.431M -16.95% YoY	$9.716M -21.8% YoY	$10.00M -25.87% YoY	$10.29M -29.36% YoY	$11.36M -27.35% YoY	$12.43M -25.6% YoY	$13.49M -24.06% YoY	$14.56M -22.69% YoY	$15.63M -21.48% YoY	$16.70M -20.38% YoY	$17.77M -19.71% YoY	$18.84M N/A	$19.91M N/A	$20.98M N/A
Long-Term Investments	N/A	$41.25M 0.0% YoY	$41.25M 0.0% YoY	$41.25M 0.0% YoY	$41.25M 0.0% YoY	$41.25M 0.0% YoY	$41.25M -0.12% YoY	$41.25M -0.12% YoY	$41.25M 0.0% YoY	$41.25M 0.0% YoY	$41.30M 0.73% YoY	$41.30M 0.73% YoY	$41.25M 0.61% YoY	$41.25M 3.13% YoY	$41.00M 2.5% YoY	$41.00M N/A	$41.00M N/A	$40.00M N/A	$40.00M N/A
Other Assets	N/A	$444.3M 105.05% YoY	$377.7M 64.18% YoY	$332.5M 63.0% YoY	$267.9M 65.73% YoY	$216.7M 84.62% YoY	$230.0M 92.5% YoY	$204.0M 143.4% YoY	$161.6M 85.89% YoY	$117.4M -7.44% YoY	$119.5M -29.51% YoY	$83.80M -42.76% YoY	$86.95M -69.36% YoY	$126.8M -45.96% YoY	$169.5M 14.4% YoY	$146.4M 16.04% YoY	$283.7M 204.12% YoY	$234.6M 252.85% YoY	$148.2M 144.92% YoY
Total Long-Term Assets	N/A	$2.276B 48.71% YoY	$2.372B 79.99% YoY	$2.027B 44.24% YoY	$1.653B 4.22% YoY	$1.530B -4.84% YoY	$1.318B -8.75% YoY	$1.405B 10.32% YoY	$1.587B 13.99% YoY	$1.608B 9.63% YoY	$1.444B 22.22% YoY	$1.274B 17.9% YoY	$1.392B 17.84% YoY	$1.467B 88.48% YoY	$1.181B 120.96% YoY	$1.080B 194.76% YoY	$1.181B 453.26% YoY	$778.3M 262.43% YoY	$534.7M 116.03% YoY
TOTAL ASSETS
Total Short-Term Assets	N/A	$699.0M -16.45% YoY	$533.3M 8.54% YoY	$450.6M 8.64% YoY	$642.8M 88.42% YoY	$836.7M 104.61% YoY	$491.4M -11.91% YoY	$414.8M -15.31% YoY	$341.2M -20.64% YoY	$408.9M -12.83% YoY	$557.8M -23.99% YoY	$489.8M -41.45% YoY	$429.9M -46.69% YoY	$469.1M -54.99% YoY	$733.8M -31.51% YoY	$836.6M 55.49% YoY	$806.4M 193.15% YoY	$1.042B 297.0% YoY	$1.071B 1619.82% YoY
Total Long-Term Assets		$2.276B	$2.372B	$2.027B	$1.653B	$1.530B	$1.318B	$1.405B	$1.587B	$1.608B	$1.444B	$1.274B	$1.392B	$1.467B	$1.181B	$1.080B	$1.181B	$778.3M	$534.7M
Total Assets	$2.962B 28.98% YoY	$2.975B 25.68% YoY	$2.905B 60.58% YoY	$2.478B 36.13% YoY	$2.296B 19.12% YoY	$2.367B 17.34% YoY	$1.809B -9.63% YoY	$1.820B 3.2% YoY	$1.928B 5.82% YoY	$2.017B 4.19% YoY	$2.002B 4.51% YoY	$1.764B -8.0% YoY	$1.822B -8.35% YoY	$1.936B 6.35% YoY	$1.915B 19.25% YoY	$1.917B 111.92% YoY	$1.988B 306.8% YoY	$1.820B 281.44% YoY	$1.606B 418.44% YoY
SHORT-TERM LIABILITIES
Accounts Payable	N/A	$139.6M 92.46% YoY	$105.2M 26.12% YoY	$120.4M 51.72% YoY	$96.46M 39.6% YoY	$72.55M 9.61% YoY	$83.40M 42.31% YoY	$79.38M 55.65% YoY	$69.10M 45.16% YoY	$66.19M -39.55% YoY	$58.60M -44.06% YoY	$51.00M -60.08% YoY	$47.60M -68.29% YoY	$109.5M -4.09% YoY	$104.8M 11.81% YoY	$127.7M 35.5% YoY	$150.1M 132.34% YoY	$114.2M 92.51% YoY	$93.69M 107.29% YoY
Accrued Expenses	N/A	$138.7M -9.12% YoY	$117.4M -2.18% YoY	$118.3M 18.26% YoY	$98.24M 3.67% YoY	$152.6M 26.53% YoY	$120.0M -10.61% YoY	$100.0M -25.12% YoY	$94.76M -27.92% YoY	$120.6M -17.47% YoY	$134.3M -9.98% YoY	$133.6M -13.64% YoY	$131.5M -22.59% YoY	$146.1M -21.39% YoY	$149.2M 15.92% YoY	$154.7M 130.78% YoY	$169.8M 279.97% YoY	$185.9M 320.51% YoY	$128.7M 330.43% YoY
Deferred Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Short-Term Debt	N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A
Long-Term Debt Due	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0.00 N/A
Total Short-Term Liabilities	N/A	$324.8M 3.97% YoY	$277.8M -8.55% YoY	$303.9M 3.69% YoY	$270.6M -7.63% YoY	$312.4M -4.8% YoY	$303.8M -12.38% YoY	$293.1M 58.76% YoY	$293.0M 63.59% YoY	$328.2M 28.4% YoY	$346.7M 36.53% YoY	$184.6M -34.64% YoY	$179.1M -44.03% YoY	$255.6M -14.8% YoY	$253.9M 14.19% YoY	$282.4M 75.1% YoY	$319.9M 146.48% YoY	$300.0M 189.88% YoY	$222.4M 196.13% YoY
LONG-TERM LIABILITIES
Long-Term Debt	N/A	$1.829B 30.45% YoY	$1.856B 109.13% YoY	$1.428B 56.51% YoY	$1.335B 32.79% YoY	$1.402B 34.77% YoY	$887.4M -11.56% YoY	$912.7M -1.93% YoY	$1.005B 0.44% YoY	$1.040B 5.48% YoY	$1.003B 9.19% YoY	$930.7M 8.66% YoY	$1.001B 30.11% YoY	$986.4M 41.84% YoY	$918.9M 41.54% YoY	$856.6M 14041.57% YoY	$769.2M 3494.5% YoY	$695.4M 1010.91% YoY	$649.2M 545.35% YoY
Other Long-Term Liabilities	N/A	$22.01M 15.08% YoY	$27.59M 23.71% YoY	$23.49M 19.12% YoY	$14.17M -14.84% YoY	$19.12M 45.12% YoY	$22.30M 104.58% YoY	$19.72M 89.58% YoY	$16.64M 14.22% YoY	$13.18M -39.03% YoY	$10.90M -54.36% YoY	$10.40M -50.37% YoY	$14.57M -33.57% YoY	$21.62M 20.63% YoY	$23.88M 54.81% YoY	$20.96M -0.81% YoY	$21.93M 30.53% YoY	$17.92M 64.39% YoY	$15.43M -18.38% YoY
Total Long-Term Liabilities	N/A	$1.851B 30.24% YoY	$1.883B 107.04% YoY	$1.452B 55.72% YoY	$1.349B 32.01% YoY	$1.421B 34.9% YoY	$909.7M -10.32% YoY	$932.4M -0.92% YoY	$1.022B 0.64% YoY	$1.054B 4.52% YoY	$1.014B 7.58% YoY	$941.1M 7.25% YoY	$1.015B 28.35% YoY	$1.008B 41.31% YoY	$942.8M 41.85% YoY	$877.5M 3128.04% YoY	$791.2M 1971.08% YoY	$713.4M 870.54% YoY	$664.6M 456.19% YoY
TOTAL LIABILITIES
Total Short-Term Liabilities	N/A	$324.8M 3.97% YoY	$277.8M -8.55% YoY	$303.9M 3.69% YoY	$270.6M -7.63% YoY	$312.4M -4.8% YoY	$303.8M -12.38% YoY	$293.1M 58.76% YoY	$293.0M 63.59% YoY	$328.2M 28.4% YoY	$346.7M 36.53% YoY	$184.6M -34.64% YoY	$179.1M -44.03% YoY	$255.6M -14.8% YoY	$253.9M 14.19% YoY	$282.4M 75.1% YoY	$319.9M 146.48% YoY	$300.0M 189.88% YoY	$222.4M 196.13% YoY
Total Long-Term Liabilities	N/A	$1.851B 30.24% YoY	$1.883B 107.04% YoY	$1.452B 55.72% YoY	$1.349B 32.01% YoY	$1.421B 34.9% YoY	$909.7M -10.32% YoY	$932.4M -0.92% YoY	$1.022B 0.64% YoY	$1.054B 4.52% YoY	$1.014B 7.58% YoY	$941.1M 7.25% YoY	$1.015B 28.35% YoY	$1.008B 41.31% YoY	$942.8M 41.85% YoY	$877.5M 3128.04% YoY	$791.2M 1971.08% YoY	$713.4M 870.54% YoY	$664.6M 456.19% YoY
Total Liabilities	$2.229B 37.59% YoY	$2.176B 25.51% YoY	$2.161B 78.1% YoY	$1.756B 43.28% YoY	$1.620B 23.18% YoY	$1.734B 25.47% YoY	$1.213B -10.84% YoY	$1.226B 8.88% YoY	$1.315B 10.08% YoY	$1.382B 9.35% YoY	$1.361B 13.73% YoY	$1.126B -2.96% YoY	$1.195B 7.51% YoY	$1.264B 24.69% YoY	$1.197B 34.91% YoY	$1.160B 515.4% YoY	$1.111B 561.37% YoY	$1.013B 472.52% YoY	$887.0M 355.83% YoY
SHAREHOLDERS EQUITY
Retained Earnings	-$364.2M -11.94% YoY	-$357.6M -13.04% YoY	-$376.2M -7.89% YoY	-$408.0M 1.58% YoY	-$413.6M 19.13% YoY	-$411.2M 45.5% YoY	-$408.4M 70.04% YoY	-$401.6M 100.96% YoY	-$347.2M 102.2% YoY	-$282.6M 565.76% YoY	-$240.2M -1973.61% YoY	-$199.9M -389.48% YoY	-$171.7M -273.58% YoY	-$42.44M -164.09% YoY	$12.82M 76.16% YoY	$69.04M -416.18% YoY	$98.91M -267.31% YoY	$66.22M -195.66% YoY	$7.277M N/A
Common Stock	$10.00K 0.0% YoY	$10.00K 11.11% YoY	$10.00K 11.11% YoY	$10.00K 11.11% YoY	$10.00K 11.11% YoY	$9.000K 0.0% YoY	$9.000K 0.0% YoY	$9.000K 12.5% YoY	$9.000K 12.5% YoY	$9.000K 12.5% YoY	$9.000K 12.5% YoY	$8.000K 0.0% YoY	$8.000K -11.11% YoY	$8.000K 0.0% YoY	$8.000K 0.0% YoY	$8.000K 0.0% YoY	$9.000K 28.57% YoY	$8.000K 14.29% YoY	$8.000K N/A
Preferred Stock	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Treasury Stock (at cost)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Treasury Stock Shares	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Shareholders Equity	$733.2M 8.35% YoY	$798.8M 26.15% YoY	$743.7M 24.88% YoY	$722.0M 21.41% YoY	$676.6M 10.42% YoY	$633.2M -0.33% YoY	$595.5M -7.06% YoY	$594.7M -6.81% YoY	$612.8M -2.3% YoY	$635.3M -5.52% YoY	$640.8M -10.83% YoY	$638.1M -15.71% YoY	$627.2M -28.44% YoY	$672.4M -16.68% YoY	$718.6M -0.07% YoY	$757.1M 5.72% YoY	$876.5M 173.4% YoY	$807.1M 168.8% YoY	$719.1M 524.21% YoY
Total Liabilities & Shareholders Equity	$2.962B 28.98% YoY	$2.975B 25.68% YoY	$2.905B 60.58% YoY	$2.478B 36.13% YoY	$2.296B 19.12% YoY	$2.367B 17.34% YoY	$1.809B -9.63% YoY	$1.820B 3.2% YoY	$1.928B 5.82% YoY	$2.017B 4.19% YoY	$2.002B 4.51% YoY	$1.764B -8.0% YoY	$1.822B -8.35% YoY	$1.936B 6.35% YoY	$1.915B 19.25% YoY	$1.917B 111.92% YoY	$1.988B 306.8% YoY	$1.820B 281.44% YoY	$1.606B 418.44% YoY