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
DateValue
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