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Upstart Holdings has a quick ratio of 2.91. It generally indicates good short-term financial strength.
The historical rank and industry rank for Upstart Holdings's Quick Ratio or its related term are showing as below:
XSWX:UPST's Quick Ratio is not ranked *
in the Credit Services industry.
Industry Median: 2.62 * Ranked among companies with meaningful Quick Ratio only.
Upstart Holdings (XSWX:UPST) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Upstart Holdings Quick Ratio Related Terms
Upstart Holdings Quick Ratio Historical Data
* Premium members only.
The historical data trend for Upstart Holdings's Quick Ratio 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.
XSWX:UPST vs AGM.A, WU, ECPG: Quick Ratio Comparison
For the Credit Services subindustry, Upstart Holdings's Quick Ratio, along with its competitors' market caps and Quick Ratio 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Upstart Holdings's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Upstart Holdings's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Upstart Holdings's Quick Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (XSWX:UPST) has a Quick Ratio of 2.91 as of Jun. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Upstart Holdings and its competitors. According to the industry distribution chart, Upstart Holdings ranks #999999 out of 423 companies in the Credit Services industry.
Is Upstart Holdings' Quick Ratio too high?
Upstart Holdings' current Quick Ratio is 2.91. The Credit Services industry median Quick Ratio is 2.62. Upstart Holdings' value of 2.91 is 11.1% above this industry median. Based on the distribution chart, Upstart Holdings ranks #999999 out of 423 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Upstart Holdings has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' Quick Ratio compare to AGM.A and WU?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #999999 out of 423 companies for Quick Ratio. This places Upstart Holdings in the lower half of its industry. The industry median Quick Ratio is 2.62. Upstart Holdings' value of 2.91 is 11.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 2.62, based on 423 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Upstart Holdings's current Quick Ratio of 2.91 is 11.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Upstart Holdings and its competitors. For the Credit Services industry, the median Quick Ratio is 2.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upstart Holdings's current Quick Ratio is 2.91. 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 Quick Ratio of 2.91. The stock's GF Value™ is CHF49.42, compared to a current price of CHF20.55 — trading 58.4% below its estimated fair value. The current Quick Ratio is 2.91 and 11.1% above the Credit Services industry median of 2.62. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Upstart Holdings (XSWX:UPST), the current Quick Ratio is 2.91 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 CHF20.55 is trading 58.4% below its estimated GF Value™ of CHF49.42.
Key valuation signals for XSWX:UPST:
Quick Ratio: 2.91
GF Value™: CHF49.42 vs. price of CHF20.55 (58.4% below fair value)
Industry Position: 11.1% above the Credit Services median (#999999 of 423)
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 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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