Upstart Holdings (XSWX:UPST) Goodwill: CHF53.6 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 Goodwill?

Upstart Holdings XSWX:UPST +5.60% 59 Goodwill is CHF53.6 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.

A Goodwill is an intangible asset that arises as a result of the acquisition of one company by another for a premium value. The value of a company's brand name, solid customer base, good customer relations, good employee relations and any patents or proprietary technology represent goodwill. Upstart Holdings's goodwill for the quarter that ended in Jun. 2026 was CHF53.6 Mil.


Upstart Holdings  (XSWX:UPST) Goodwill Explanation

Goodwill to Asset ratio measures how much goodwill a company is recording compared to the total level of its assets.

It is calculated by dividing goodwill by total assets.

Upstart Holdings's Goodwill-to-Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Goodwill-to-Asset (A: Dec. 2025 )=Goodwill/Total Assets
=53.442/2370.622
=0.02

Upstart Holdings's Goodwill-to-Asset Ratio for the quarter that ended in Jun. 2026 is calculated as

Goodwill-to-Asset (Q: Jun. 2026 )=Goodwill/Total Assets
=53.603/2534.799
=0.02

* 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.

If the goodwill-to-asset ratio increases, it can mean that the company is recording a proportionately higher amount of goodwill, assuming total assets are remaining constant. It is generally good to see a company increasing its assets regularly; however, if these increases are coming from intangible assets, such as goodwill, the increases may not be as good.

Increases in the goodwill-to-asset ratio might suggest that a company has been aggressively acquiring other firms or has seen its tangible assets decrease in value. When a large portion of total assets are attributable to intangible assets (such as goodwill), the company may be at risk of having that portion of its asset base wiped out quickly if it must record any goodwill impairments. Decreases in the goodwill-to-assets ratio suggest that the company has either written down some goodwill or increased its tangible assets.

Asset needs vary from industry to industry. This is why comparing goodwill-to-assets ratios is generally most meaningful among companies within the same industry. By comparing a company's goodwill to assets ratio to those of other companies within the same industry, investors can get a feel for how a company is managing its goodwill.


Upstart Holdings Goodwill Related Terms


Upstart Holdings Goodwill Historical Data

* Premium members only.

The historical data trend for Upstart Holdings's Goodwill 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 Goodwill Chart

Upstart Holdings Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Goodwill
Get a 7-Day Free Trial Premium Member Only 61.76 62.48 58.00 59.79 53.44

Upstart Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Goodwill 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 54.54 53.39 53.44 52.80 53.60
XSWX:UPST
59GF Score
Upstart Holdings Inc XSWX:UPST
Goodwill is just one metric. See GF Score™, valuation, warning signs, and more.
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Upstart Holdings Goodwill Calculation

A Goodwill is an intangible asset that arises as a result of the acquisition of one company by another for a premium value. The value of a company's brand name, solid customer base, good customer relations, good employee relations and any patents or proprietary technology represent goodwill. Goodwill is considered an intangible asset because it is not a physical asset like buildings or equipment. The goodwill account can be found in the assets portion of a company's balance sheet.

Frequently Asked Questions Learn more about Goodwill →
What does a Goodwill of CHF53.6 Mil mean?
Upstart Holdings (XSWX:UPST) has a Goodwill of CHF53.6 Mil as of Jun. 2026. Goodwill is the intangible assets representing the value in excess of the acquired company's value. View historical data on Upstart Holdings and its competitors.
Is Upstart Holdings' Goodwill too high?
Upstart Holdings' current Goodwill is CHF53.6 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' Goodwill compare to WU and AGM.A?
Upstart Holdings' Goodwill of CHF53.6 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 Goodwill for a Credit Services company?
A good Goodwill depends on the Credit Services industry context. However, Goodwill 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 Goodwill mean?
A high Goodwill can signal that a stock is expensive relative to its fundamentals. Goodwill is the intangible assets representing the value in excess of the acquired company's value. View historical data on Upstart Holdings and its competitors. Upstart Holdings's current Goodwill is CHF53.6 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 Goodwill of CHF53.6 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 Goodwill is CHF53.6 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 Goodwill calculated?
Goodwill is calculated from a company's financial statements. For Upstart Holdings (XSWX:UPST), the current Goodwill is CHF53.6 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:

  • Goodwill: CHF53.6 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

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

CHF25.83
Price
CHF50.63
GF Value