Upstart Holdings (XSWX:UPST) Net Loan: CHF850.6 Mil (As of Jun. 2026)

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XSWX:UPST Upstart Holdings Inc XSWX:UPST
59 GF Score
Price CHF25.83
GF Value CHF50.63
! 5 Warning Signs
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What is Upstart Holdings Net Loan?

Upstart Holdings XSWX:UPST +5.60% 59 Net Loan is CHF850.6 Mil as of Jun. 2026. GuruFocus rates XSWX:UPST with a GF Score™ of 59/100 and a GF Value™ of CHF50.63. The stock has 5 warning signs investors should review.

Upstart Holdings's quarterly net loan increased from Dec. 2025 (CHF784.6 Mil) to Mar. 2026 (CHF798.4 Mil) and increased from Mar. 2026 (CHF798.4 Mil) to Jun. 2026 (CHF850.6 Mil).

Upstart Holdings's annual net loan declined from Dec. 2023 (CHF1,000.1 Mil) to Dec. 2024 (CHF798.4 Mil) but then increased from Dec. 2024 (CHF798.4 Mil) to Dec. 2025 (CHF850.6 Mil).

Upstart Holdings Net Loan Historical Data

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The historical data trend for Upstart Holdings's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Upstart Holdings Net Loan Chart

Upstart Holdings Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only 232.53 941.31 1,000.07 718.90 784.59

Upstart Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 829.06 979.18 784.59 798.39 850.65
XSWX:UPST
59GF Score
Upstart Holdings Inc XSWX:UPST
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Upstart Holdings Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of CHF850.6 Mil mean?
Upstart Holdings (XSWX:UPST) has a Net Loan of CHF850.6 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Upstart Holdings and its competitors.
Is Upstart Holdings' Net Loan too high?
Upstart Holdings' current Net Loan is CHF850.6 Mil. Overall, Upstart Holdings has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' Net Loan compare to WU and AGM.A?
Upstart Holdings' Net Loan of CHF850.6 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Credit Services company?
A good Net Loan depends on the Credit Services industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Upstart Holdings and its competitors. Upstart Holdings's current Net Loan is CHF850.6 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Upstart Holdings stock overvalued right now?
Upstart Holdings (XSWX:UPST) has a current Net Loan of CHF850.6 Mil. The stock's GF Value™ is CHF50.63, compared to a current price of CHF25.83 — trading 49% below its estimated fair value. The current Net Loan is CHF850.6 Mil. Upstart Holdings' overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Upstart Holdings (XSWX:UPST), the current Net Loan is CHF850.6 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Upstart Holdings (XSWX:UPST) Overvalued in 2026?

Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued. The current stock price of CHF25.83 is trading 49% below its estimated GF Value™ of CHF50.63.

Key valuation signals for XSWX:UPST:

  • Net Loan: CHF850.6 Mil
  • GF Value™: CHF50.63 vs. price of CHF25.83 (49% below fair value)
  • GF Score™: 59/100 with 5 warning signs

No single metric tells the full story. See the XSWX:UPST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Upstart Holdings Business Description

Address 2950 South Delaware Street, Suite 410, San Mateo, CA, USA, 94403
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
59GF Score

Get the complete analysis for XSWX:UPST

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF25.83
Price
CHF50.63
GF Value