Upstart Holdings, Inc.

NasdaqGS:UPST Stock Report

Market Cap: US$4.3b

Upstart Holdings Ownership

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

Recent Insider Transactions

NasdaqGS:UPST Recent Insider Transactions by Companies or Individuals
DateValueNameEntityRoleSharesMax Price
20 May 25SellUS$316,246Scott DarlingIndividual6,732US$46.98
20 May 25SellUS$634,674Sanjay DattaIndividual13,512US$46.97
20 May 25SellUS$35,874Natalia MirgorodskayaIndividual764US$46.96
20 Feb 25SellUS$948,826Paul GuIndividual12,007US$79.56
20 Feb 25SellUS$62,746Natalia MirgorodskayaIndividual794US$79.52
20 Feb 25SellUS$378,934Scott DarlingIndividual4,794US$79.58
20 Feb 25SellUS$1,269,865Sanjay DattaIndividual16,070US$79.59
20 Feb 25SellUS$357,444David GirouardIndividual4,524US$79.58
20 Nov 24SellUS$1,082,163Paul GuIndividual15,500US$70.45
20 Nov 24SellUS$305,248David GirouardIndividual4,374US$70.43
20 Nov 24SellUS$105,546Natalia MirgorodskayaIndividual1,511US$70.49
20 Nov 24SellUS$446,285Scott DarlingIndividual6,390US$70.50
20 Nov 24SellUS$1,300,002Sanjay DattaIndividual18,619US$70.50
30 Sep 24SellUS$38,667Natalia MirgorodskayaIndividual959US$40.32
20 Aug 24SellUS$739,872Sanjay DattaIndividual19,305US$38.93
20 Aug 24SellUS$615,487Paul GuIndividual16,064US$38.93
20 Aug 24SellUS$253,983Scott DarlingIndividual6,623US$38.94
20 Aug 24SellUS$48,481Natalia MirgorodskayaIndividual1,264US$38.36
20 Aug 24SellUS$128,879David GirouardIndividual3,361US$38.35

Insider Trading Volume

Insider Buying: UPST insiders have only sold shares in the past 3 months.

Ownership Breakdown

What is the ownership structure of UPST?
Owner TypeNumber of SharesOwnership Percentage
Individual Insiders11,974,71312.6%
General Public22,801,34424%
Institutions60,368,80163.4%

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Top 25 shareholders own 55.94% of the company
OwnershipNameSharesCurrent ValueChange %Portfolio %
11.3%
David Girouard
10,740,431US$486.1m0.04%no data
8.42%
The Vanguard Group, Inc.
8,014,656US$362.7m2.84%0.01%
6.84%
BlackRock, Inc.
6,510,083US$294.6m3.14%no data
2.11%
State Street Global Advisors, Inc.
2,008,749US$90.9m-1.12%no data
2.03%
Geode Capital Management, LLC
1,935,534US$87.6m4.83%0.01%
1.85%
Fred Alger Management, LLC
1,764,136US$79.8m-7.88%0.39%
1.64%
BNP Paribas Arbitrage Sa, Asset Management Arm
1,561,491US$70.7m-0.74%0.05%
1.58%
Two Sigma Investments, LP
1,499,186US$67.9m-22%0.15%
1.56%
Morgan Stanley, Investment Banking and Brokerage Investments
1,483,555US$67.1m-41.4%0.01%
1.55%
Two Sigma Advisers, LP
1,474,200US$66.7m-13.8%0.14%
1.52%
Renaissance Technologies LLC
1,441,600US$65.2m4.47%0.09%
1.3%
Invesco Ltd.
1,233,781US$55.8m109%0.01%
1.29%
Mirae Asset Global Investments Co., Ltd.
1,227,104US$55.5m5.11%0.04%
1.29%
D. E. Shaw & Co., L.P.
1,223,923US$55.4m-62.8%0.07%
1.28%
Driehaus Capital Management LLC
1,215,237US$55.0m71.5%0.34%
1.28%
Goldman Sachs Group, Investment Banking and Securities Investments
1,213,161US$54.9m-39.9%0.02%
1.24%
Qube Research & Technologies Ltd
1,178,408US$53.3m94.8%0.09%
1.07%
Bank of America Corporation, Asset Management Arm
1,016,277US$46.0m44.2%0.01%
1.04%
Susquehanna International Group, LLP, Asset Management Arm
987,638US$44.7m85.6%0.07%
1%
Voloridge Investment Management, LLC
952,701US$43.1m-7.22%0.16%
0.98%
UBS Asset Management AG
930,942US$42.1m31.5%no data
0.98%
Paul Gu
928,672US$42.0m5.69%no data
0.95%
Fuller & Thaler Asset Management, Inc.
907,581US$41.1m27.9%0.16%
0.95%
AHL Partners LLP
904,927US$41.0m52.9%0.36%
0.92%
Coatue Management, L.L.C.
870,947US$39.4m150%0.14%

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/05/27 17:25
End of Day Share Price 2025/05/27 00:00
Earnings2025/03/31
Annual Earnings2024/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

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 Github.

Analyst Sources

Upstart Holdings, Inc. is covered by 20 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ishan MajumdarBaptista Research
Ramsey El-AssalBarclays
Mihir BhatiaBofA Global Research