Upstart Holdings (FRA:855) Long-Term Debt: €1,503.7 Mil (As of Mar. 2026)


FRA:855 Upstart Holdings Inc FRA:855
62 GF Score
Price €29.74
GF Value €54.26
Valuation Possible Value Trap
! 5 Warning Signs
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What is Upstart Holdings Long-Term Debt?

Upstart Holdings FRA:855 -0.75% 62 Long-Term Debt is €1,503.7 Mil as of Mar. 2026. GuruFocus rates FRA:855 with a GF Score™ of 62/100 and a GF Value™ of €54.26 (Possible Value Trap). The stock has 5 warning signs investors should review.

Upstart Holdings's Long-Term Debt for the quarter that ended in Mar. 2026 was €1,503.7 Mil.

Upstart Holdings's quarterly Long-Term Debt increased from Sep. 2025 (€1,461.4 Mil) to Dec. 2025 (€1,479.0 Mil) and increased from Dec. 2025 (€1,479.0 Mil) to Mar. 2026 (€1,503.7 Mil).

Upstart Holdings's annual Long-Term Debt increased from Dec. 2023 (€598.8 Mil) to Dec. 2024 (€1,152.3 Mil) and increased from Dec. 2024 (€1,152.3 Mil) to Dec. 2025 (€1,479.0 Mil).

Upstart Holdings  (FRA:855) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Upstart Holdings Long-Term Debt Related Terms

Upstart Holdings Long-Term Debt Historical Data

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The historical data trend for Upstart Holdings's Long-Term Debt 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 Long-Term Debt Chart

Upstart Holdings Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only 572.95 613.55 598.80 1,152.27 1,478.97

Upstart Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt 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 1,117.30 1,074.16 1,461.38 1,478.97 1,503.68
FRA:855
62GF Score
Upstart Holdings Inc FRA:855
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of €1,503.7 Mil mean?
Upstart Holdings (FRA:855) has a Long-Term Debt of €1,503.7 Mil as of Mar. 2026.
Is Upstart Holdings' Long-Term Debt too high?
Upstart Holdings' current Long-Term Debt is €1,503.7 Mil. Overall, Upstart Holdings has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' Long-Term Debt compare to WU and BFH?
Upstart Holdings' Long-Term Debt of €1,503.7 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 Long-Term Debt for a Credit Services company?
A good Long-Term Debt depends on the Credit Services industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Upstart Holdings's current Long-Term Debt is €1,503.7 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?
Based on GuruFocus' analysis, Upstart Holdings (FRA:855) is currently considered Possible Value Trap. The stock's GF Value™ is €54.26, compared to a current price of €29.74 — trading 45.2% below its estimated fair value. The current Long-Term Debt is €1,503.7 Mil. Upstart Holdings' overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Upstart Holdings (FRA:855), the current Long-Term Debt is €1,503.7 Mil as of Mar. 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 (FRA:855) Overvalued in 2026?

Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued. The current stock price of €29.74 is trading 45.2% below its estimated GF Value™ of €54.26. GuruFocus considers Upstart Holdings to be Possible Value Trap.

Key valuation signals for FRA:855:

  • Long-Term Debt: €1,503.7 Mil
  • GF Value™: €54.26 vs. price of €29.74 (45.2% below fair value)
  • GF Score™: 62/100 with 5 warning signs

No single metric tells the full story. See the FRA:855 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).
62GF Score

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

€29.74
Price
€54.26
GF Value