Upstart Holdings Ownership

Who are the major shareholders and have insiders been buying or selling?

Recent Insider Transactions

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.

Ownership Breakdown

What is the ownership structure of UPSTD?
Owner Type	Number of Shares	Ownership Percentage
Individual Insiders	11,680,280	12.8%
General Public	29,094,537	31.9%
Institutions	50,453,209	55.3%

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 7.3%.

Top Shareholders

Top 25 shareholders own 53.98% of the company

Ownership	Name	Shares	Current Value	Change %	Portfolio %
11.8%	David Girouard	10,736,487	US$735.6m	0.29%	no data
8.14%	The Vanguard Group, Inc.	7,423,812	US$508.6m	1.71%	0.01%
6.34%	BlackRock, Inc.	5,786,693	US$396.4m	2.16%	0.01%
2.54%	D. E. Shaw & Co., L.P.	2,314,257	US$158.5m	160%	0.22%
2.48%	State Street Global Advisors, Inc.	2,265,371	US$155.2m	0.09%	0.01%
2.1%	Susquehanna International Group, LLP, Asset Management Arm	1,911,549	US$131.0m	25.2%	0.21%
1.99%	Geode Capital Management, LLC	1,816,774	US$124.5m	1.65%	0.01%
1.76%	Two Sigma Investments, LP	1,601,404	US$109.7m	296%	0.25%
1.65%	Goldman Sachs Group, Investment Banking and Securities Investments	1,501,722	US$102.9m	31.2%	0.05%
1.48%	Morgan Stanley, Investment Banking and Brokerage Investments	1,354,547	US$92.8m	-3.73%	0.01%
1.47%	Voloridge Investment Management, LLC	1,342,710	US$92.0m	24.9%	0.33%
1.37%	Fred Alger Management, LLC	1,246,839	US$85.4m	153%	0.37%
1.32%	Barclays PLC Private Banking & Investment Banking Investment	1,208,665	US$82.8m	713%	0.05%
1.29%	Mirae Asset Global Investments Co., Ltd.	1,175,324	US$80.5m	-7.06%	0.07%
1.17%	Renaissance Technologies LLC	1,071,700	US$73.4m	0%	0.11%
0.95%	Coatue Management, L.L.C.	870,947	US$59.7m	0%	0.2%
0.8%	Connor, Clark & Lunn Investment Management Ltd.	725,582	US$49.7m	63.8%	0.23%
0.78%	Bank of America Corporation, Asset Management Arm	715,848	US$49.0m	-28.4%	0.01%
0.74%	Northern Trust Global Investments	673,393	US$46.1m	3.77%	0.01%
0.74%	Paul Gu	673,128	US$46.1m	2.89%	no data
0.7%	Charles Schwab Investment Management, Inc.	642,876	US$44.0m	5.25%	0.01%
0.65%	Two Sigma Advisers, LP	589,000	US$40.4m	690%	0.09%
0.64%	UBS Asset Management AG	579,679	US$39.7m	11.6%	no data
0.58%	Citadel Advisors LLC	526,949	US$36.1m	5.98%	0.04%
0.53%	JPMorgan Chase & Co, Brokerage and Securities Investments	487,841	US$33.4m	2,490%	0.01%

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/26 16:02
End of Day Share Price	2024/12/24 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Upstart Holdings, Inc. is covered by 22 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Ishan Majumdar	Baptista Research
Ramsey El-Assal	Barclays
Nathaniel Schindler	BofA Global Research