Total Debt for Upstart Holdings (UPST)
According to Upstart Holdings's latest reported financial statements, the company's latest reported total debt is $1.85B USD. 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 — combine with cash on hand for net debt, and see 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 .
UPST
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Latest period
$1.85B
YoY change
+27.4%
5Y CAGR
+86.5%
Peak year (2025)
$1.85B
Latest annual
$1.85B
Total Debt history chart for Upstart Holdings (UPST) from 2018 to 2025
Total Debt history table for Upstart Holdings (UPST) from 2018 to 2025
| Fiscal year | Period ended | Reported | Total Debt | YoY |
|---|---|---|---|---|
| 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 (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
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 the latest reading among the more recent periods of the dataset.
2025 marks the peak total debt at $1.85B, with the historical low of $82.06M recorded in 2020.
Within Financial Services, Upstart Holdings (UPST) ranks 9th among 8 peers we track. The peer median for total debt is $395.81B.
Upstart Holdings Total Debt by Year
Upstart Holdings Total Debt 2025: $1.85B
Upstart Holdings total debt in 2025 was $1.85B, grew 27.4% from 2024. This figure represents the highest annual value in the available history.
Upstart Holdings Total Debt 2024: $1.45B
Upstart Holdings total debt in 2024 was $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
Upstart Holdings total debt in 2022 was $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).
Sector peers — Total Debt
Companies in the same sector as Upstart Holdings, ranked by their latest total debt.
| Company | Total Debt | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $942.38B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $609.53B | Financial Services |
| Morgan Stanley (MS) | $475.56B | Financial Services |
| Wells Fargo & Company (WFC) | $425.72B | Financial Services |
| Bank of America Corporation (BAC) | $365.90B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $138.95B | Financial Services |
| Visa Inc. (V) | $25.17B | Financial Services |
| Mastercard Incorporated (MA) | $19.00B | Financial Services |
Frequently asked questions
What is Upstart Holdings's total debt?
- Latest reported total debt for Upstart Holdings (UPST) is $1.85B (period ending December 31, 2025).
How has Upstart Holdings total debt changed year-over-year?
- Upstart Holdings (UPST) total debt changed +27.4% year-over-year on the latest annual filing.
What is the long-term growth rate of Upstart Holdings total debt?
- Upstart Holdings (UPST) total debt compound annual growth rate is +86.5% over the most recent 5 years available.
When did Upstart Holdings total debt hit its highest annual value?
- Upstart Holdings total debt reached its highest annual value of $1.85B in 2025.
What was Upstart Holdings total debt in 2024?
- Upstart Holdings (UPST) total debt in 2024 was $1.45B.
What was Upstart Holdings total debt in 2025?
- Upstart Holdings (UPST) total debt in 2025 was $1.85B.
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