Upstart Holdings (XSWX:UPST) Days Payable: (As of Jun. 2026)

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XSWX:UPST Upstart Holdings Inc XSWX:UPST
59 GF Score
Price CHF20.55
GF Value CHF49.42
! 5 Warning Signs
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What is Upstart Holdings Days Payable?

Upstart Holdings's average Accounts Payable for the three months ended in Jun. 2026 was CHF0.0 Mil. Upstart Holdings's Cost of Goods Sold for the three months ended in Jun. 2026 was CHF Mil.

The historical rank and industry rank for Upstart Holdings's Days Payable or its related term are showing as below:

XSWX:UPST's Days Payable is not ranked *
in the Credit Services industry.
Industry Median: 32.92
* Ranked among companies with meaningful Days Payable only.

Upstart Holdings's Days Payable stayed the same from Jun. 2025 () to Jun. 2026 (). stayed the same

Upstart Holdings Days Payable Historical Data

* Premium members only.

The historical data trend for Upstart Holdings's Days Payable 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 Days Payable Chart

Upstart Holdings Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Days Payable
Get a 7-Day Free Trial Premium Member Only - - - - 448.38

Upstart Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Days Payable 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 - - 447.73 - -

XSWX:UPST vs AGM.A, WU, ECPG: Days Payable Comparison

For the Credit Services subindustry, Upstart Holdings's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Upstart Holdings Days Payable vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Upstart Holdings's Days Payable distribution charts can be found below:

* The bar in red indicates where Upstart Holdings's Days Payable falls into.


XSWX:UPST
59GF Score
Upstart Holdings Inc XSWX:UPST
Days Payable is just one metric. See GF Score™, valuation, warning signs, and more.
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Upstart Holdings Days Payable Calculation

Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.

Upstart Holdings's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as

Days Payable (A: Dec. 2025 )
=Average Accounts Payable /Cost of Goods Sold*Days in Period
=( (Accounts Payable (A: Dec. 2024 ) + Accounts Payable (A: Dec. 2025 )) / count ) / Cost of Goods Sold (A: Dec. 2025 )*Days in Period
=( ( + 25.33694725) / 1 ) / 20.625125778094*365
=25.33694725 / 20.625125778094*365
=448.38

Upstart Holdings's Days Payable for the quarter that ended in Jun. 2026 is calculated as:

Days Payable (Q: Jun. 2026 )
=Average Accounts Payable / Cost of Goods Sold*Days in Period
=( (Accounts Payable (Q: Mar. 2026 ) + Accounts Payable (Q: Jun. 2026 )) / count ) / Cost of Goods Sold (Q: Jun. 2026 )*Days in Period
=( ( + ) / 1 ) / *365 / 4
=0 / *365 / 4
=N/A

* 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.

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

Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued. The current stock price of CHF20.55 is trading 58.4% below its estimated GF Value™ of CHF49.42.

Key valuation signals for XSWX:UPST:

  • Days Payable:
  • GF Value™: CHF49.42 vs. price of CHF20.55 (58.4% 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

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

CHF20.55
Price
CHF49.42
GF Value