Latest period
$931M
YoY change
-17.2%
5Y CAGR
+20.5%
Peak year (FY2021)
$995M
Latest annual
$657M
Cash on Hand history chart for Upstart Holdings (UPST) from 2018 to 2025
Latest: $657M
Cash on Hand growth chart for Upstart Holdings (UPST) from 2018 to 2025
Latest: -17.2%
Cash on Hand history table for Upstart Holdings (UPST) from 2018 to 2025
| FY2025 | $657M | -17.2% | -$136M | ||
| FY2024 | $794M | +110.3% | +$416M | ||
| FY2023 | $377M | -12.7% | -$55.1M | ||
| FY2022 | $432M | -56.5% | -$563M | ||
| FY2021 | $995M | +284.5% | +$736M | ||
| FY2020 | $259M | +409.2% | +$208M | ||
| FY2019 | $50.8M | -30.4% | -$22.2M | ||
| FY2018 | $73M | — | — |
- FY2025$657M-17.2%
- FY2024$794M+110.3%
- FY2023$377M-12.7%
- FY2022$432M-56.5%
- FY2021$995M+284.5%
- FY2020$259M+409.2%
- FY2019$50.8M-30.4%
- FY2018$73M—
Cash on Hand values are taken from Upstart Holdings's reported balance sheets (quarterly 10-Q and annual 10-K filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the filing date. YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
About Cash on Hand at Upstart Holdings (UPST)
According to Upstart Holdings's latest reported financial statements, the company's latest reported cash and short-term investments is $931M. Cash on hand here is cash, cash equivalents, and short-term investments reported at the end of each period — the most liquid assets on the balance sheet. Compare with total debt for net leverage and total assets for the share of assets held in cash.
Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .
In 2025, Upstart Holdings (UPST) cash and short-term investments totalled $657M – declined 17.2% year-over-year.
Upstart Holdings cash and short-term investments has grown on net over the period, with a +20.5% compound annual growth rate over 2020–2025 (5 years).
Upstart Holdings cash and short-term investments peaked at $995M in 2021; the latest annual figure is $657M in 2025 (33.9% below peak).
The record annual cash and short-term investments stands at $995M, reached in 2021; the historical low of $50.8M was recorded in 2019.
Upstart Holdings Cash on Hand by Year
Upstart Holdings Cash on Hand 2025: $657M
In 2025, Upstart Holdings reported cash and short-term investments of $657M, declined 17.2% below 2024.
Upstart Holdings Cash on Hand 2024: $794M
Upstart Holdings cash and short-term investments in 2024 was $794M, surged 110.3% from 2023.
Upstart Holdings Cash on Hand 2023: $377M
2023's cash and short-term investments for Upstart Holdings came in at $377M, declined 12.7% below 2022.
Upstart Holdings Cash on Hand 2022: $432M
Upstart Holdings posted cash and short-term investments of $432M in 2022, plunged 56.5% below 2021.
Upstart Holdings Cash on Hand 2021: $995M
Upstart Holdings cash and short-term investments in 2021 was $995M.
See more financial history for Upstart Holdings (UPST).
Sector peers by Cash on Hand
Financial Services peers of Upstart Holdings (UPST), ranked by their latest cash and short-term investments
| $1.48T | |
| $964B | |
| $625B | |
| $540B | |
| $472B | |
| $373B | |
| $22B | |
| $10.9B |
- $1.48T
- $625B
- $540B
- $472B
- $22B
- $10.9B
Frequently asked questions
Upstart Holdings (UPST) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation
How this company returns cash to shareholders — buybacks, dividends, and stock splits.