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UPST · Upstart Holdings, Inc.
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UPST Upstart (UPST) Insider Trading, Ownership & Congress Trades

Financial Services · Finance services · CIK 0001647639
Quote by TradingView
C-suite buying · 1Form 144 · 10
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
197
13F, latest reported quarter
Conversions, 180 days
3
Codes C/M, not in net · $1.1M priced

What the filings say about UPST

Insiders, 180 days
+$2.1M net bought
2 buyers · 4 sellers · 14% of sales under a 10b5-1 plan
Planned sales (Form 144), 90 days
$4.4M
10 notices

Upstart insider trades (Form 4)

Form 4 buys and sells (codes P and S). Grants, option exercises and conversions excluded.

Over the last 180 days, Upstart Holdings, Inc. insiders bought a net $2.1M of stock across 1,347 Form 4 purchases and sales, with 2 insiders buying. Source: SEC Form 4 filings, as of 2026-10-27.

Insider
Filed
Shares
Value
Since filing
Gu Paul
Chief Executive Officer
BUY
2026-09-10 SEC
50,000
$1.3M
-10.1%
Context
  • 156 earlier Form 4 trades (code P or S) here by this insider (3 buys, 153 sales), the last on May 13, 2026.
  • +5.3% median (+5.3% mean) 90-day return after 2 previous buys.
  • The trade is 38.5% of the 130,000 shares held after it.
  • No other insider bought within 30 days.
  • 197 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Chief Executive Officer Gu Paul bought about $1.3M of UPST on Sep 10, 2026; 197 funds added in the latest 13F quarter.
Datta Sanjay
President, Capital& Enterprise
SELL
2026-09-10 SECtraded 2026-09-08
116,000
$3.2M
-10.1%
Context
  • 106 earlier Form 4 trades (code P or S) here by this insider (106 sales), the last on Aug 20, 2026.
  • The trade is 24.3% of the 476,578 shares held after it.
  • 3 other insiders sold within 30 days.
  • 197 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: President, Capital& Enterprise Datta Sanjay sold about $3.2M of UPST on Sep 8, 2026, the largest insider sale at the company since 2024; 3 other insiders sold within 30 days and 197 funds added in the latest 13F quarter.
Mirgorodskaya Natalia
See Remarks
SELL
2026-08-27 SECtraded 2026-08-25
913
$27.4K
-20.9%
Context
  • 64 earlier Form 4 trades (code P or S) here by this insider (64 sales), the last on Aug 20, 2026.
  • The trade is 2.5% of the 35,875 shares held after it.
  • 3 other insiders sold within 30 days.
  • 197 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: See Remarks Mirgorodskaya Natalia sold about $27.4K of UPST under a 10b5-1 plan on Aug 25, 2026; 3 other insiders sold within 30 days and 197 funds added in the latest 13F quarter.
Datta Sanjay
President, Capital& Enterprise
SELL
2026-08-21 SECtraded 2026-08-20
8,945
$251.3K
-23.1%
Context
  • 105 earlier Form 4 trades (code P or S) here by this insider (105 sales), the last on Aug 19, 2026.
  • The trade is 3.1% of the 292,578 shares held after it.
  • 3 other insiders sold within 30 days.
  • 197 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: President, Capital& Enterprise Datta Sanjay sold about $251.3K of UPST on Aug 20, 2026; 3 other insiders sold within 30 days and 197 funds added in the latest 13F quarter.
Darling Scott
Chief Legal Officer
SELL
2026-08-21 SECtraded 2026-08-20
7,696
$216.2K
-23.1%
Context
  • 104 earlier Form 4 trades (code P or S) here by this insider (104 sales), the last on Aug 17, 2026.
  • The trade is 10.5% of the 73,306 shares held after it.
  • 3 other insiders sold within 30 days.
  • 197 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Chief Legal Officer Darling Scott sold about $216.2K of UPST on Aug 20, 2026; 3 other insiders sold within 30 days and 197 funds added in the latest 13F quarter.
1,347 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
See all insider buying · insider selling
Showing the latest few. to see 1,342 more transactions and use the screener and CSV export. We store only your email; there is no password.
Seven facts, ranked against the sector · Rank is not a forecast
Insiders
net +$2.1M over 180 days
-$3.1M over 90 days · +$5.0M of it by a 10%+ holder
more than 93% of Financial Services
Congress
no House purchase disclosed in the last 12 months
Funds
197 funds bought in last quarter
more than 75% of Financial Services
Revenue
+64.0% year over year
more than 82% of Financial Services
Margin
5.1% net margin
below 52% of Financial Services
Buybacks
$100.1M repurchased, FY to 2026-06-30
more than 61% of Financial Services
Short interest
34.1% of the float short (float per yahoo 2026-10-26) · 6.2 days to cover · settled 2026-09-30
the highest in Financial Services
What changed in the last 30 days
Nothing new filed in the last 30 days

Watch UPST

A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.

The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
-54.3%12M
-55%-35%-15%+5%2025-102025-122026-022026-042026-062026-082026-10 2026-05-07 · Girouard Dave bought $5.0M2026-09-08 · Datta Sanjay sold $3.2M2025-11-11 · Gu Paul bought $3.1M2026-05-13 · Gu Paul bought $1.4M2026-09-10 · Gu Paul bought $1.3M2025-11-11 · Gu Paul bought $784.4K2025-11-20 · Datta Sanjay sold $461.3K2026-06-09 · Datta Sanjay sold $456.1K2025-12-12 · Darling Scott sold $369.6K2026-08-19 · Datta Sanjay sold $314.6K2025-11-20 · Darling Scott sold $267.7K2026-08-20 · Datta Sanjay sold $251.3K2026-02-20 · Datta Sanjay sold $238.3K2026-05-20 · Datta Sanjay sold $229.7K2026-08-20 · Darling Scott sold $216.2K2026-08-17 · Blankmeyer Andrea sold $210.6K2026-02-20 · Darling Scott sold $193.4K2026-05-20 · Darling Scott sold $190.9K2026-05-15 · Blankmeyer Andrea sold $125.7K2026-08-19 · Blankmeyer Andrea sold $88.0K2026-05-15 · Blankmeyer Andrea sold $79.9K2025-12-12 · Cooper Kerry Whorton sold $75.0K2026-08-17 · Datta Sanjay sold $59.7K2025-10-24 · Darling Scott sold $55.0K2026-01-05 · Darling Scott sold $50.0K2025-11-20 · Datta Sanjay sold $37.0K2026-05-15 · Datta Sanjay sold $30.4K2025-11-25 · Mirgorodskaya Natalia sold $29.6K2026-05-26 · Mirgorodskaya Natalia sold $28.2K2026-08-25 · Mirgorodskaya Natalia sold $27.4K2025-11-20 · Mirgorodskaya Natalia sold $27.1K2026-02-25 · Mirgorodskaya Natalia sold $24.9K2026-08-17 · Darling Scott sold $23.9K2026-05-15 · Datta Sanjay sold $23.3K2026-02-20 · Mirgorodskaya Natalia sold $18.9K2026-08-20 · Mirgorodskaya Natalia sold $16.5K2026-05-20 · Mirgorodskaya Natalia sold $15.1K2025-11-20 · Darling Scott sold $14.8K2026-05-15 · Darling Scott sold $13.2K2026-02-20 · Darling Scott sold $11.8K2026-03-02 · Mirgorodskaya Natalia sold $10.1K2026-05-07 · Girouard Dave bought $8.9K2026-09-08 · Datta Sanjay filed to sell $3.2M2026-08-25 · Mirgorodskaya Natalia filed to sell $27.4K2026-08-20 · Darling Scott filed to sell $216.2K2026-08-20 · Datta Sanjay filed to sell $251.3K2026-08-20 · Mirgorodskaya Natalia filed to sell $16.5K2026-08-19 · Blankmeyer Andrea filed to sell $88.0K2026-08-19 · Datta Sanjay filed to sell $314.6K2026-08-17 · Blankmeyer Andrea filed to sell $210.6K2026-08-17 · Darling Scott filed to sell $23.9K2026-08-17 · Datta Sanjay filed to sell $59.7K
Insider buyInsider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart. When a name files heavily, the largest trades are drawn first.

Who owns UPST: institutional holders (13F)

13F holdings, latest reported quarter
BlackRock, Inc.
7,878,717 sh
$279.1M
VANGUARD PORTFOLIO MANAGEMENT LLC
3,739,758 sh
$132.5M
VANGUARD CAPITAL MANAGEMENT LLC
3,698,553 sh
$131.0M
MORGAN STANLEY
2,414,712 sh
$85.6M
GOLDMAN SACHS GROUP INC
2,395,222 sh
$84.9M

Congress trades in UPST

No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.

Activist and 5% holders (13D/13G)

No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.

UPST planned insider sales (Form 144)

Notice of intent to sell, filed before any sale
Datta Sanjay
Filed 2026-09-08
$3.2M
Mirgorodskaya Natalia
Filed 2026-08-25
$27.4K
Darling Scott
Filed 2026-08-20
$216.2K
Datta Sanjay
Filed 2026-08-20
$251.3K
Mirgorodskaya Natalia
Filed 2026-08-20
$16.5K

UPST mutual fund holders (N-PORT)

Funds ranked by the share of their own portfolio in this stock (N-PORT).
ALGER WEATHERBIE SPECIALIZED GROWTH FUND
$4.6M position · as of 2026-07-31
1.9%
First Trust Nasdaq Artificial Intelligence and Robotics ETF
$11.4M position · as of 2026-06-30
1.6%
GATOR CAPITAL LONG/SHORT FUND
$1.0M position · as of 2026-07-31
1.3%
State Street(R) SPDR(R) FactSet Innovative Technology ETF
$468.7K position · as of 2026-06-30
0.7%
Global X FinTech ETF
$1.1M position · as of 2026-05-31
0.6%
WisdomTree U.S. SmallCap Quality Growth Fund
$43.0K position · as of 2026-06-30
0.4%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M · % is the share of the fund's own portfolio
Executive pay vs shareholder return · Dave Girouard
CEO pay, headline and as actually paid, against the company's return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$9.7M
$855.2K
$4.1M
+48%
+173%
2024
$7.1M
$26.7M
$3.8M
+109%
+120%
2023
$7.1M
$26.1M
$4.0M
+39%
+61%
2022
$9.6M
-$36.2M
$17.9M
-55%
+2%
2021
$15.0M
$70.4M
$6.0M
+413%
+42%
Tagged by the company under SEC Item 402(v). Returns are cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
Insiders are net buyers of their own stock.
The record shows a net $2.1M bought by insiders over 180 days, 197 funds added last quarter, $4.4M in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
Backtest this pattern Open the screener
Same sector, ranked by filing activity
Sector by SEC SIC code
MSTRCOINMORNIBKRCACCARESHOODRKTSCHWGSDAVELDI

UPST financials

Revenue growth
+64.0%
XBRL, annual
Net margin
5.1%
Complaints, 90 days
315
+9.8% YoY · CFPB
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$1.2B
four quarters, 2025-07-01 to 2026-06-30
Net margin, TTM
+4.8%
net income over revenue, 2025-07-01 to 2026-06-30
Free cash flow, TTM
-$289.0M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Debt to equity
n/a
no debt line filed
Cash flow to debt
n/a
no debt line filed
Return on equity
+7.9%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets
+2.1%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on invested capital
n/a
tax provision or pre-tax income not filed for the four quarters
Return on capital employed
n/a
assets or current liabilities not filed
P/E, trailing
46.94x
close 2026-10-26 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
Enterprise value
n/a
no debt line filed
FCF yield
-12.9%
TTM free cash flow over market value at close 2026-10-26
PEG, trailing
n/a
prior-year trailing EPS was a loss, growth undefined
Price as of 2026-10-26. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
2025-122024-122023-122022-12
Revenue$1.0B$636.5M$513.6M$907.3M
Operating income$42.6M-$172.9M-$256.5M-$113.9M
Net income$53.6M-$128.6M-$240.1M-$108.7M
EPS (diluted)0.45-1.44-2.87-1.31
Operating cash flow-$147.7M$186.3M-$111.7M-$657.9M
Cash$652.4M$788.4M$368.4Mn/a
Buybacksn/a$0$0$177.9M
SEC XBRL, fiscal years, as known on 2026-10-27

UPST Stock Sonar score 5/7 axes

Find similar shapesCompare

UPST ranks highest on insider conviction (87th percentile) and growth (82nd), and lowest on risk and compliance (7th), among Financial Services peers.

ProfitGrowthInsidersInstitutionsRisk
Profitability
56
Inputs
  • Return on equity+7.9% · 50 pct, sector of 205
  • Return on assets+2.1% · 61 pct, sector of 266
  • Return on invested capitaltax provision or pre-tax income not filed for the four quarters
  • Return on capital employedassets or current liabilities not filed
Growth
82
Inputs
  • Revenue growth, YoY+64.0% · 82 pct, sector of 245
  • Backlog growth, YoYno backlog line filed, or no year-earlier backlog
Insider conviction
87
Inputs
  • Net Form 4 buying (codes P and S), 180d$2.4M · 94 pct, sector of 161
  • Insider buyers, 180d2 · 81 pct, sector of 165
Institutional and government
75
Inputs
  • Funds adding, latest quarter197 · 75 pct, sector of 278
  • Congress net buyers, 365dno Congress trades in 365 days
  • Federal contracts, 180dno federal contracts in 180 days
  • Lobbying spend, 4 quartersno lobbying filings in the last four quarters
Risk and compliance
7
Inputs
  • Short interest, % of float+34.1% · 2 pct, sector of 390
  • Recalls per $1B revenue, 3ynot measured for this sector, almost no peer has an event
  • EPA cases per $1B revenue, 5ynot measured for this sector, almost no peer has an event
  • New text in Risk Factors, latest 10-K+61.0% · 11 pct, sector of 175
2 not measured: Financial health, US patents
  • Financial health needs 1 of 2 inputs, 0 present: no debt line filed
  • US patents needs 1 of 2 inputs, 0 present: patent data not loaded yet

5 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored

UPST filings, in plain words

Are Upstart insiders buying or selling UPST?

In the 180 days to 2026-10-27, Upstart insiders were net buyers, a net $2.1M: $7.7M of purchases and $5.6M of sales reported on Form 4, by 2 buyers and 4 sellers.

Are there planned insider sales of UPST?

Yes. 10 Form 144 notices of planned insider sales were filed in the 90 days to 2026-10-27, covering $4.4M of stock; the latest, by Datta Sanjay, was filed 2026-09-08.

Read the full summary

In the 180 days to 2026-10-27, Upstart insiders were net buyers of UPST, a net $2.1M across purchases and sales reported on Form 4 by 2 buyers and 4 sellers. Most of that figure, $5.0M, came from a holder of 10% or more rather than an officer or director. 14% of the 22 insider sales were made under a Rule 10b5-1 plan; the rest were not flagged as planned. Insiders filed 10 Form 144 notices of intent to sell in the 90 days to 2026-10-27, covering $4.4M of stock. Each figure is counted from SEC and House filings as of 2026-10-27, dated the day the filing was made public.

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