Upstart Holdings (UPST) Other Working Capital Changes (2020 - 2026)
Upstart Holdings (UPST) reported Other Working Capital Changes of -$4.4 million for Q1 2026, up 32.05% year-over-year from -$3.3 million in Q1 2025, and up 62.21% quarter-over-quarter from -$11.6 million in Q4 2025.
Upstart Holdings (UPST) Other Working Capital Changes (2020 - 2026) Analysis & Trends
Upstart Holdings (UPST) has 7 years of Other Working Capital Changes data on file, last reported at -$4.4 million in Q1 2026.
- Other Working Capital Changes for Q1 2026 came in at -$4.4 million, up 32.05% year-over-year; the trailing twelve-month figure through Mar 2026 was -$13.3 million (down 1033.96% YoY), and the FY2025 annual result was -$15.4 million, down 277.22% from the prior year.
- Other Working Capital Changes rose to -$4.4 million in Q1 2026 per UPST's latest filing, from -$11.6 million in the prior quarter.
- Over five years, Other Working Capital Changes peaked at $9.0 million in Q4 2023 and troughed at -$11.6 million in Q4 2025.
- A 5-year average of -$372058.8 and a median of $239000.0 in 2025 frame the typical range for Other Working Capital Changes.
- The sharpest annual moves came in 2024 and 2025: Other Working Capital Changes jumped 369.61% in 2024, then plunged 880.24% in 2025.
- A 5-year view of Other Working Capital Changes shows it stood at $4.5 million in 2022, then surged by 97.07% to $9.0 million in 2023, then slipped by 26.55% to $6.6 million in 2024, then tumbled by 275.91% to -$11.6 million in 2025, then surged by 62.21% to -$4.4 million in 2026.
- Business Quant data shows UPST's Other Working Capital Changes at -$4.4 million in Q1 2026, -$11.6 million in Q4 2025, and $239000.0 in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) |
|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn |
| 10 | Upstart Holdings | 2.88 Bn | 2.41 Bn | 221.97 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -4.37 Mn |
| Mar 31, 2026 | -4.37 Mn |
| Dec 31, 2025 | -11.58 Mn |
| Dec 31, 2025 | -11.58 Mn |
| Sep 30, 2025 | 239,000.00 |
| Sep 30, 2025 | 239,000.00 |
| Jun 30, 2025 | 2.37 Mn |
| Jun 30, 2025 | 2.37 Mn |
| Mar 31, 2025 | -6.44 Mn |
| Mar 31, 2025 | -6.44 Mn |
| Dec 31, 2024 | 6.58 Mn |
| Dec 31, 2024 | 6.58 Mn |
| Sep 30, 2024 | 7.83 Mn |
| Sep 30, 2024 | 7.83 Mn |
| Jun 30, 2024 | -6.55 Mn |
| Jun 30, 2024 | -6.55 Mn |
| Mar 31, 2024 | 825,000.00 |
| Mar 31, 2024 | 825,000.00 |
| Dec 31, 2023 | 8.96 Mn |
| Dec 31, 2023 | 8.96 Mn |