UPWK NASDAQ
Upwork Inc.
1W: +3.7%
1M: +12.4%
3M: -4.8%
YTD: -54.3%
1Y: -43.3%
3Y: -16.9%
5Y: -84.6%
$9.07
-0.44 (-4.63%)
Pre-Market: $9.09 (+0.02, +0.17%)
Weekly Expected Move ±5.6%
$8
$9
$9
$10
$11
Credit Risk of going bust: higher than 78% of companies Debt: 24.9% of company value Bonds: none of note held by US funds details ▾
Of US companies ranked in the third-riskiest tenth, about 1 in 140 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $0.60 (down 93%), Upwork Inc. would be worth roughly what it owes.
Total debt $375.1M against a stock market value of $1.13B.
Distance to default 2.82 (Merton model): prices to 2026-10-27, balance sheet 2026-06-30, debt counted $367.9M (short-term plus half of long-term), stock volatility 61.7%; Altman Z'' 3.34. A ranking and a back-test, not a forecast.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
If the stock fell to about $0.60 (down 93%), Upwork Inc. would be worth roughly what it owes.
Total debt $375.1M against a stock market value of $1.13B.
Distance to default 2.82 (Merton model): prices to 2026-10-27, balance sheet 2026-06-30, debt counted $367.9M (short-term plus half of long-term), stock volatility 61.7%; Altman Z'' 3.34. A ranking and a back-test, not a forecast.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
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Balance Sheet Trends
Total Assets
$1.3B
+7.3% ▲
5Y CAGR: +19.7%
Total Liabilities
$669M
+5.2% ▲
5Y CAGR: +23.8%
Shareholders Equity
$630M
+9.5% ▲
5Y CAGR: +16.1%
Cash & Investments
$676M
+8.7% ▲
5Y CAGR: +31.9%
Total Debt
$381M
+3.2% ▲
5Y CAGR: +61.2%
Net Debt
$83M
+30.8% ▲
Assets vs Liabilities & Equity
Year-over-Year Growth
View Full Balance Sheet
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| — Assets — | |||||
| Cash | $187M | $129M | $80M | $306M | $298M |
| Short-Term Investments | $498M | $557M | $470M | $316M | $378M |
| Cash & ST Investments | $685M | $687M | $550M | $622M | $676M |
| Net Receivables | $67M | $65M | $103M | $75M | $76M |
| Inventory | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $161M | $161M | $230M | $213M | $202M |
| Total Current Assets | $930M | $931M | $883M | $911M | $951M |
| Property, Plant & Equip. | $32M | $30M | $31M | $36M | $49M |
| Goodwill & Intangibles | $118M | $118M | $121M | $134M | $186M |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 |
| Other Non-Current Assets | $1M | $1M | $1M | $2M | $1M |
| Total Non-Current Assets | $151M | $149M | $154M | $301M | $349M |
| Total Assets | $1.1B | $1.1B | $1.0B | $1.2B | $1.3B |
| — Liabilities — | |||||
| Accounts Payable | $5M | $8M | $5M | $6M | $189M |
| Short-Term Debt | $0 | $0 | $0 | $0 | $360M |
| Deferred Revenue | $22M | $25M | $17M | $7M | $8M |
| Other Current Liabilities | $24M | $19M | $27M | $32M | $94M |
| Total Current Liabilities | $234M | $248M | $293M | $268M | $650M |
| Long-Term Debt | $561M | $564M | $356M | $358M | $10M |
| Other Non-Current Liab. | $10M | $8M | $1M | $308K | -$317K |
| Total Non-Current Liabilities | $588M | $584M | $363M | $368M | $19M |
| Total Liabilities | $822M | $831M | $656M | $636M | $669M |
| — Equity — | |||||
| Common Stock | $13K | $13K | $14K | $14K | $13K |
| Retained Earnings | -$251M | -$341M | -$294M | -$78M | $37M |
| Accumulated OCI | -$528K | -$3M | $205K | $264K | $754K |
| Total Stockholders Equity | $260M | $249M | $381M | $575M | $630M |
| Total Liabilities & Equity | $1.1B | $1.1B | $1.0B | $1.2B | $1.3B |
| — Key Metrics — | |||||
| Total Debt | $584M | $582M | $368M | $369M | $381M |
| Net Debt | $397M | $453M | $288M | $63M | $83M |
| Total Investments | $498M | $557M | $470M | $316M | $378M |