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NASDAQ · UPSTFinancial - Credit ServicesUpdated Nov 5, 2026

Upstart Holdings, Inc. current ratio

Liquidity, historical trends, and peer comparisons.

The Current Ratio as of November 2026 (TTM) for Upstart Holdings, Inc. (UPST) is 5.57

According to Upstart Holdings, Inc.’s latest financial reports and current stock price. The company's current Current Ratio is 5.57. This represents a change of -16.52% compared to the average of 6.67 of the last 4 quarters.

Upstart Holdings, Inc. (UPST) Historical Current Ratio (quarterly & annually)

How has UPST Current Ratio performed in the past?

The mean historical Current Ratio of Upstart Holdings, Inc. over the last ten years is 3.20. The current 5.57 Current Ratio has changed 74.16% with respect to the historical average. Over the past ten years (40 quarters), UPST's Current Ratio was at its highest in in the September 2021 quarter at 16.49. The Current Ratio was at its lowest in in the September 2019 quarter at 0.

Quarterly (TTM)
Annual

Average

3.20

Median

2.36

Minimum

0

Maximum

8.82

Upstart Holdings, Inc. (UPST) Current Ratio by Quarter and Year

Discovering the peaks and valleys of Upstart Holdings, Inc. Current Ratio, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = Infinity%

Maximum Annual Current Ratio = 8.82

Minimum Annual Increase = -90.02%

Minimum Annual Current Ratio = 0

Quarterly (TTM)
Annual
YearCurrent RatioChange
20252.9926.68%
20242.36140.06%
20230.98-21.55%
20221.25-83.87%
20217.77107.98%
20203.74324.65%
20190.88-90.02%
20188.82Infinity%

Upstart Holdings, Inc. (UPST) Average Current Ratio

How has UPST Current Ratio performed in the past?

The current Current Ratio of Upstart Holdings, Inc. (UPST) is greater than its 3-year, greater than its 5-year, and greater than its 10-year historical averages

3-year avg

2.11

5-year avg

3.07

10-year avg

3.20

Upstart Holdings, Inc. (UPST) Current Ratio vs. Peers

How is UPST’s Current Ratio compared to its peers?

Upstart Holdings, Inc.’s Current Ratio is less than Atlanticus Holdings Corporation (14.90), greater than LendingTree, Inc. (1.57), greater than SoFi Technologies, Inc. (0.83), greater than Enova International, Inc. (1.78), less than Oportun Financial Corporation (16.04), less than OneMain Holdings, Inc. (179.83), less than Affirm Holdings, Inc. (12.73), greater than Capital One Financial Corporation (0.30), greater than Qfin Holdings, Inc. (0),

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