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Total Debt for Upstart Holdings (UPST)

As of · Reported

Metric

Latest period

$1.98B

YoY change

+27.4%

5Y CAGR

+86.5%

Peak year (2025)

$1.85B

Total Debt history chart for Upstart Holdings (UPST) from 2018 to 2025

Latest: $1.85B

Total Debt growth chart for Upstart Holdings (UPST) from 2018 to 2025

Latest: +27.4%

Total Debt history table for Upstart Holdings (UPST) from 2018 to 2025

  • 2025$1.85B+27.4%
  • 2024$1.45B+31.7%
  • 2023$1.10B+1.4%
  • 2022$1.09B+36.6%
  • 2021$795.80M+869.8%
  • 2020$82.06M-39.5%
  • 2019$135.67M-72.9%
  • 2018$501.23M—

Total Debt 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 Total Debt at Upstart Holdings (UPST)

According to Upstart Holdings's latest reported financial statements, the company's latest reported total debt is $1.98B. Total debt is the sum of short-term and long-term interest-bearing borrowings on the balance sheet (notes, bonds, term loans, lease liabilities). Useful for leverage and refinancing risk — compare with cash on hand for net leverage, and total liabilities for the broader obligations picture.

Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .

Upstart Holdings (UPST) most recent annual total debt stands at $1.85B (2025) – grew 27.4% year-over-year.

Looking at the 2020–2025 (5 years) stretch, Upstart Holdings total debt compounded at +86.5% per year, with mixed annual results across the window.

2025 marks the peak total debt at $1.85B, with the historical low of $82.06M recorded in 2020.

Upstart Holdings Total Debt by Year

Upstart Holdings Total Debt 2025: $1.85B

Upstart Holdings posted total debt of $1.85B in 2025, grew 27.4% from 2024. This figure represents the highest annual value in the available history.

Upstart Holdings Total Debt 2024: $1.45B

In 2024, Upstart Holdings reported total debt of $1.45B, surged 31.7% from 2023.

Upstart Holdings Total Debt 2023: $1.10B

Upstart Holdings total debt in 2023 was $1.10B, edged up 1.4% from 2022.

Upstart Holdings Total Debt 2022: $1.09B

2022's total debt for Upstart Holdings came in at $1.09B, surged 36.6% from 2021.

Upstart Holdings Total Debt 2021: $795.80M

Upstart Holdings total debt in 2021 was $795.80M.

See more financial history for Upstart Holdings (UPST).

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Financial Services peers of Upstart Holdings (UPST), ranked by their latest total debt

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