Upstart Holdings, Inc.

NasdaqGS:UPST Stock Report

Market Cap: US$3.0b

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
26 May 26SellUS$28,236Natalia MirgorodskayaIndividual974US$28.99
20 May 26SellUS$229,740Sanjay DattaIndividual7,985US$28.77
20 May 26SellUS$190,912Scott DarlingIndividual6,634US$28.78
20 May 26SellUS$15,134Natalia MirgorodskayaIndividual526US$28.77
15 May 26SellUS$208,703Andrea BlankmeyerIndividual7,044US$30.54
15 May 26SellUS$53,707Sanjay DattaIndividual1,817US$30.03
15 May 26SellUS$21,476Scott DarlingIndividual727US$29.99
13 May 26BuyUS$1,375,000Paul GuIndividual50,000US$27.50
06 May 26BuyUS$4,999,607David GirouardIndividual170,240US$29.76
20 Feb 26SellUS$205,192Scott DarlingIndividual6,868US$30.25
20 Feb 26SellUS$18,925Natalia MirgorodskayaIndividual633US$29.90
20 Feb 26SellUS$238,375Sanjay DattaIndividual7,982US$29.86
20 Nov 25SellUS$498,323Sanjay DattaIndividual13,624US$36.99
20 Nov 25SellUS$282,480Scott DarlingIndividual7,723US$37.03
11 Nov 25BuyUS$3,922,800Paul GuIndividual100,000US$39.23
20 Aug 25SellUS$823,452Sanjay DattaIndividual13,473US$61.12
20 Aug 25SellUS$410,358Scott DarlingIndividual6,714US$61.80
20 Aug 25SellUS$65,944Natalia MirgorodskayaIndividual1,079US$61.12

Insider Trading Volume

Insider Buying: UPST insiders have bought more shares than they have sold in the past 3 months.

Ownership Breakdown

What is the ownership structure of UPST?
Owner TypeNumber of SharesOwnership Percentage
Private Companies9,3830.0098%
Individual Insiders13,535,80014.1%
General Public18,217,39319%
Institutions63,948,99366.8%

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

Top Shareholders

Top 25 shareholders own 62.19% of the company
OwnershipNameSharesCurrent ValueChange %Portfolio %
12.3%
David Girouard
11,745,746US$369.5m9.36%no data
7.73%
BlackRock, Inc.
7,403,079US$232.9m4.43%no data
4.7%
Citadel Securities LLC
4,500,982US$141.6m0%34.06%
4.07%
Morgan Stanley
3,894,880US$122.5m-5.88%0.01%
3.92%
Vanguard Capital Management, LLC
3,752,050US$118.0m0%no data
3.91%
Vanguard Portfolio Management, LLC
3,743,541US$117.8m0%0.01%
3.43%
Marshall Wace LLP
3,280,110US$103.2m495%0.13%
2.22%
Geode Capital Management, LLC
2,124,078US$66.8m2.69%no data
2.15%
State Street Global Advisors, Inc.
2,053,086US$64.6m2.6%no data
1.62%
Clear Street LLC
1,555,206US$48.9m-24.6%0.22%
1.53%
Halter Ferguson Financial, Inc.
1,467,360US$46.2m253%17.32%
1.34%
The Goldman Sachs Group, Inc.
1,285,032US$40.4m-9.5%0.01%
1.32%
Barclays PLC
1,267,765US$39.9m46.9%0.02%
1.26%
Paul Gu
1,203,048US$37.8m4.37%no data
1.19%
Norges Bank Investment Management
1,141,425US$35.9m0%no data
1.16%
Baillie Gifford & Co.
1,108,295US$34.9m46%0.03%
1.11%
UBS Asset Management AG
1,060,851US$33.4m32.7%no data
1.07%
Dimensional Fund Advisors LP
1,022,780US$32.2m267%no data
1.05%
Tidal Investments LLC
1,000,638US$31.5m0%0.1%
0.91%
Coatue Management, L.L.C.
870,947US$27.4m0%0.09%
0.91%
Balyasny Asset Management L.P.
869,416US$27.4m4,310%0.07%
0.88%
Capital Fund Management S.A.
846,779US$26.6m26.1%0.3%
0.84%
Citigroup Inc.
806,341US$25.4m43.1%0.02%
0.79%
Northern Trust Global Investments
758,887US$23.9m1.98%no data
0.79%
Point72 Asset Management, L.P.
756,060US$23.8m104%0.05%

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/24 16:25
End of Day Share Price 2026/06/24 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

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 16 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ramsey El-AssalBarclays
Mihir BhatiaBofA Global Research
Harold GoetschB. Riley Securities, Inc.