Cash on Hand for Upstart Holdings (UPST)
According to Upstart Holdings's latest reported financial statements, the company's latest reported cash and short-term investments is $657.45M USD. 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 a net cash/debt picture and with 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 .
UPST
Currently viewingRevenueSwitch metric
Latest period
$657.45M
YoY change
-17.2%
5Y CAGR
+20.5%
Peak year (2021)
$994.99M
Latest annual
$657.45M
Cash on Hand history chart for Upstart Holdings (UPST) from 2018 to 2025
Cash on Hand history table for Upstart Holdings (UPST) from 2018 to 2025
| Fiscal year | Period ended | Reported | Cash on Hand | YoY |
|---|---|---|---|---|
| 2025 | $657.45M | -17.2% | ||
| 2024 | $793.61M | +110.3% | ||
| 2023 | $377.32M | -12.7% | ||
| 2022 | $432.41M | -56.5% | ||
| 2021 | $994.99M | +284.5% | ||
| 2020 | $258.77M | +409.2% | ||
| 2019 | $50.82M | -30.4% | ||
| 2018 | $73.04M | — |
Cash on Hand values are taken from Upstart Holdings's reported balance sheets (10-Q quarterly and 10-K annual filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the date the filing was reported; YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
Analysis
In 2025, Upstart Holdings (UPST) cash and short-term investments totalled $657.45M – declined 17.2% year-over-year.
Upstart Holdings cash and short-term investments has recorded the values shown across consecutive periods, with a +20.5% compound annual growth rate over 2020–2025 (5 years).
Upstart Holdings cash and short-term investments peaked at $994.99M in 2021; the latest annual figure is $657.45M in 2025 (33.9% below peak).
The dataset's maximum cash and short-term investments sits at $994.99M (2021); the minimum reading of $50.82M dates to 2019.
Within Financial Services, Upstart Holdings (UPST) ranks 9th among 8 peers we track. The peer median for cash and short-term investments is $505.76B.
Upstart Holdings Cash on Hand by Year
Upstart Holdings Cash on Hand 2025: $657.45M
Upstart Holdings cash and short-term investments in 2025 was $657.45M, declined 17.2% below 2024.
Upstart Holdings Cash on Hand 2024: $793.61M
Upstart Holdings cash and short-term investments in 2024 was $793.61M, surged 110.3% from 2023.
Upstart Holdings Cash on Hand 2023: $377.32M
Upstart Holdings cash and short-term investments in 2023 was $377.32M, declined 12.7% below 2022.
Upstart Holdings Cash on Hand 2022: $432.41M
Upstart Holdings cash and short-term investments in 2022 was $432.41M, plunged 56.5% below 2021.
Upstart Holdings Cash on Hand 2021: $994.99M
Upstart Holdings cash and short-term investments in 2021 was $994.99M.
See more financial history for Upstart Holdings (UPST).
Sector peers — Cash on Hand
Companies in the same sector as Upstart Holdings, ranked by their latest cash and short-term investments.
| Company | Cash on Hand | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $1.48T | Financial Services |
| Bank of America Corporation (BAC) | $963.73B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $624.53B | Financial Services |
| Morgan Stanley (MS) | $539.97B | Financial Services |
| Wells Fargo & Company (WFC) | $471.55B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $373.31B | Financial Services |
| Visa Inc. (V) | $21.99B | Financial Services |
| Mastercard Incorporated (MA) | $11.46B | Financial Services |
Frequently asked questions
What is Upstart Holdings's cash and short-term investments?
- Latest reported cash and short-term investments for Upstart Holdings (UPST) is $657.45M (period ending December 31, 2025).
How has Upstart Holdings cash and short-term investments changed year-over-year?
- Upstart Holdings (UPST) cash and short-term investments changed -17.2% year-over-year on the latest annual filing.
What is the long-term growth rate of Upstart Holdings cash and short-term investments?
- Upstart Holdings (UPST) cash and short-term investments compound annual growth rate is +20.5% over the most recent 5 years available.
When did Upstart Holdings cash and short-term investments hit its highest annual value?
- Upstart Holdings cash and short-term investments reached its highest annual value of $994.99M in 2021.
What was Upstart Holdings cash and short-term investments in 2024?
- Upstart Holdings (UPST) cash and short-term investments in 2024 was $793.61M.
What was Upstart Holdings cash and short-term investments in 2025?
- Upstart Holdings (UPST) cash and short-term investments in 2025 was $657.45M.
Metrics overview
Pick a metric for charts, filings, and peers — each row shows the latest TTM or annual value with year-over-year change.
Explore more
UPST Overview
Company profile, financial tools, and key metrics
UPST Revenue Counter
Earns $34.10 every second. See per minute, hour, and day.
UPST Earnings Counter
Earns $1.70 per second net profit. See per minute, hour, and day.
UPST Economic Scale
Exceeds Sao Tome and Principe's GDP. Compare with world economies.
UPST What If Invested
What if you had invested $1,000? See historical returns from any date.
UPST How It Makes Money
Discover visual breakdown of $1.08B in revenue — where it comes from and where it goes.
UPST Stock Seasonality
Best and worst months to invest. Historical monthly returns heatmap.
UPST Price Target Scenarios
Model bear, base, and bull cases with EPS growth and exit P/E — pre-filled from analysts and history.
UPST Daily Price Character
Explosive · 47.9% historical win rate (green days). Streaks & record days.
UPST Buybacks
Recent repurchase activity. Shareholder yield & SBC comparison.