Upstart Holdings (UPST) Other Working Capital Changes (2020 - 2026)
Upstart Holdings (UPST) posted quarterly Other Working Capital Changes of -$4.4 million for Q1 2026, up 32.05% YoY from -$3.3 million in Q1 2025, and up 62.21% sequentially from -$11.6 million in Q4 2025.
Upstart Holdings (UPST) Other Working Capital Changes (2020 - 2026) Analysis & Trends
Upstart Holdings has disclosed Other Working Capital Changes across 7 years of filings, most recently posting -$4.4 million for Q1 2026.
- In Q1 2026, Other Working Capital Changes rose 32.05% year-over-year to -$4.4 million; the TTM figure through Mar 2026 stood at -$13.3 million (down 1033.96% YoY), while the FY2025 annual figure was -$15.4 million, down 277.22% from the prior year.
- Other Working Capital Changes advanced to -$4.4 million in Q1 2026, from -$11.6 million in the prior quarter.
- Over the last five years, Other Working Capital Changes for UPST reached as high as $9.0 million in Q4 2023 and fell as low as -$11.6 million in Q4 2025.
- The 5-year median for Other Working Capital Changes is $239000.0 (2025), against an average of -$372058.8.
- Annual changes were most pronounced in 2024 — Other Working Capital Changes jumped 369.61% — and 2025, when it slumped 880.24%.
- 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 sank by 275.91% to -$11.6 million in 2025, then surged by 62.21% to -$4.4 million in 2026.
- According to Business Quant data, Other Working Capital Changes over the past three periods registered -$4.4 million, -$11.6 million, and $239000.0 for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) |
|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn |
| 10 | Upstart Holdings | 3.46 Bn | 2.99 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 |