Upstart Holdings (UPST) Net Debt Issuances and Repayments (2020 - 2026)
Upstart Holdings' Net Debt Issuances and Repayments came in at $16.09 million for Q3 2026, down 96.2% from $425.8 million a year earlier and down 77.9% from the prior quarter.
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Analysis
Upstart Holdings (UPST) Net Debt Issuances and Repayments (2020 - 2026) Analysis & Trends
Over the trailing twelve months to Sep 30, 2026, Upstart Holdings reported Net Debt Issuances and Repayments of $135.86 million, down 85.4% year-over-year; for FY2025, it came in at $390.65 million, down 30.6% from FY2024.
- Going back by year, Net Debt Issuances and Repayments was $562.66 million in FY2024 (+191.6%), $192.97 million in FY2023 (-33.0%), $287.92 million in FY2022 (-55.5%) and $647.11 million in FY2021.
- The five-year range for quarterly Net Debt Issuances and Repayments is -$80.07 million (Q1 2025) to $503.3 million (Q4 2024).
- The fastest year-over-year change in Net Debt Issuances and Repayments over five years came in Q3 2023 (growth of 268.9%), and the weakest in Q3 2026 (a decline of 96.2%).
- Business Quant data shows UPST's Net Debt Issuances and Repayments at $72.89 million (Q2 2026), $83.68 million (Q1 2026) and -$36.8 million (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Debt Issuance (Qtr) |
|---|---|---|---|---|---|
| 1 | Block | 51.56 Bn | 23.34 Bn | 3.24 Bn | 381.21 Mn |
| 2 | PayPal Holdings | 50.29 Bn | 8.99 Bn | - | -14.00 Mn |
| 3 | Coinbase Global | 35.53 Bn | -4.11 Bn | - | 66.61 Mn |
| 4 | Fiserv | 33.43 Bn | 30.64 Bn | 2.76 Bn | -693.00 Mn |
| 5 | Corpay | 29.86 Bn | 18.68 Bn | - | -87.87 Mn |
| 6 | Global Payments | 25.78 Bn | 604.58 Mn | 2.01 Bn | -15.34 Mn |
| 7 | Guidewire Software | 13.57 Bn | 10.14 Bn | 269.68 Mn | - |
| 8 | Jack Henry & Associates | 12.44 Bn | 12.35 Bn | 273.85 Mn | -50.00 Mn |
| 9 | Chime Financial | 11.95 Bn | 7.64 Bn | 646.07 Mn | 50.00 Mn |
| 10 | Upstart Holdings | 2.14 Bn | 101.94 Mn | 307.18 Mn | 16.09 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 16.09 Mn |
| Jun 30, 2026 | 72.89 Mn |
| Mar 31, 2026 | 83.68 Mn |
| Dec 31, 2025 | -36.80 Mn |
| Sep 30, 2025 | 425.80 Mn |
| Jun 30, 2025 | 81.72 Mn |
| Mar 31, 2025 | -80.07 Mn |
| Dec 31, 2024 | 503.30 Mn |
| Sep 30, 2024 | -4.70 Mn |
| Jun 30, 2024 | 113.54 Mn |
| Mar 31, 2024 | -49.48 Mn |
| Dec 31, 2023 | 22.97 Mn |
| Sep 30, 2023 | 227.28 Mn |
| Jun 30, 2023 | -70.99 Mn |
| Mar 31, 2023 | 13.71 Mn |
| Dec 31, 2022 | 66.72 Mn |
| Sep 30, 2022 | 61.61 Mn |
| Jun 30, 2022 | 86.57 Mn |
| Mar 31, 2022 | 73.01 Mn |
| Dec 31, 2021 | 45.44 Mn |
API Access
Upstart Holdings Net Debt Issuances and Repayments API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=net-debt-issuances-and-repayments&ticker=UPST&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-debt-issuances-and-repayments", "ticker": "UPST", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-debt-issuances-and-repayments&ticker=UPST&period=max&api_key=YOUR_API_KEY");
const data = await res.json();