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WAVEMAN · COMPANY
UPST · Upstart Holdings, Inc.
> Ask across nine datasets ⌘K
LIVE
TEAM-0.32% 13F +439META+2.47% 13F +2,694RCG-2.04% CLUSTERUTHR-4.03% 13F +425CRWV+4.49% 13F +693CRM+2.92% 13F +1,018CVNA-0.98% 13F +794TPL-0.71% 13F +444NET-4.47% 13F +710MSTR-1.35% 13F +526DELL+4.91% 13F +1,203CRWD+5.68% 13F +1,382ANET+1.22% 13F +1,323COIN+10.14% 13F +475TEAM-0.32% 13F +439META+2.47% 13F +2,694RCG-2.04% CLUSTERUTHR-4.03% 13F +425CRWV+4.49% 13F +693CRM+2.92% 13F +1,018CVNA-0.98% 13F +794TPL-0.71% 13F +444NET-4.47% 13F +710MSTR-1.35% 13F +526DELL+4.91% 13F +1,203CRWD+5.68% 13F +1,382ANET+1.22% 13F +1,323COIN+10.14% 13F +475
← ALL COMPANIES

UPST

Upstart Holdings, Inc.
FINANCIAL SERVICES · FINANCE SERVICES · CIK 0001647639
C-SUITE BUYING · 1FORM 144 · 9☆ WATCH
INSIDER NET · 180D
$4.0M
open-market buys minus sells, Form 4 codes P and S
INSIDER BUYERS · 180D
2
CONGRESS BUYERS · 1Y
0
FUNDS ADDED · QTR
198
13F, latest reported quarter
REVENUE GROWTH
+64.0%
XBRL, annual
NET MARGIN
5.1%
CONVERSIONS · 180D
2
codes C/M, not in net · $699.3K priced
COMPLAINTS · 90D
384
+43.3% YoY · CFPB
SEVEN FACTS, RANKED AGAINST THE SECTOR · RANK IS NOT A FORECAST
INSIDERS
net +$4.0M over 180 days
-$1.7M over 90 days · +$5.0M of it by a 10%+ holder
more than 93% of Financial Services
CONGRESS
no member of Congress has reported trading it
FUNDS
198 funds added or opened last quarter
more than 75% of Financial Services
REVENUE
+64.0% year over year
more than 83% of Financial Services
MARGIN
5.1% net margin
more than 50% of Financial Services
BUYBACKS
$100.1M repurchased, FY to 2026-06-30
more than 62% of Financial Services
SHORT
no short interest reported
THE SITUATION · EVERY LINE IS ONE RULE OVER ONE DATASET
9 insiders have filed intent to sell ($1.2M) and have not sold yet.
198 funds added or opened positions in the latest 13F quarter, of 369 holders.
Consumer complaints are up 43% year over year.
The year, with the filings on it
Total return indexed to 100 over the last 12 months · every marker is a federal filing, placed at its date — hover any marker for the detail
TOTAL 12M RETURN -59.3%
-59.3%12M
-65%-43%-22%+0%2025-092025-102025-122026-032026-052026-072026-09 2026-05-07 · Girouard Dave bought $5.0M2025-11-11 · Gu Paul bought $3.1M2025-09-15 · Girouard Dave sold $2.3M2026-05-13 · Gu Paul bought $1.4M2025-11-11 · Gu Paul bought $784.4K2025-11-20 · Datta Sanjay sold $461.3K2026-06-09 · Datta Sanjay sold $456.1K2025-09-15 · Girouard Dave sold $447.5K2025-12-12 · Darling Scott sold $369.6K2026-08-19 · Datta Sanjay sold $314.6K2025-09-03 · Darling Scott sold $277.6K2025-11-20 · 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 $190.9K2025-09-02 · Gu Paul sold $182.0K2025-09-02 · Gu Paul sold $161.0K2026-05-15 · Blankmeyer Andrea sold $125.7K2025-09-02 · Mirgorodskaya Natalia sold $99.6K2026-08-19 · Blankmeyer Andrea sold $88.0K2026-05-15 · Blankmeyer Andrea sold $79.9K2025-12-12 · Cooper Kerry Whorton sold $75.0K2025-09-17 · Darling Scott sold $70.0K2026-08-17 · Datta Sanjay sold $59.7K2025-10-24 · Darling Scott sold $55.0K2025-10-01 · Darling Scott sold $54.6K2026-01-05 · Darling Scott sold $50.0K2025-11-20 · Datta Sanjay sold $37.0K2025-09-02 · Cooper Kerry Whorton sold $34.6K2026-05-15 · 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 $18.9K2026-08-25 · 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
INDEXED RETURN, DIVIDEND-ADJUSTED — NOT A PRICE CHART · LARGE TRADES DRAWN FIRST WHEN A NAME FILES HEAVILY
Live price
Daily candles from TradingView, on their licence — no filings are marked on this one
WHY THIS NAME IS ON THE DESK
Insiders are net buyers of their own stock.
The record shows a net $4.0M bought by insiders over 180 days, 198 funds added last quarter, $1.2M in planned Form 144 sales. Every figure is a federal filing, dated the day it became public.
Backtest this pattern Open the screener
Same sector, ranked by filing activity
Sector from the SEC's own SIC classification
MSTRCOINMORNIBKRCACCARESHOODRKTSCHWDAVEGSLDI
Insider transactions
Form 4 purchases and sales (codes P and S) — grants, option exercises and preferred conversions excluded

Over the last 180 days, Upstart Holdings, Inc. insiders bought a net $4.0M of stock across 1,345 Form 4 purchases and sales, with 2 insider(s) buying. Source: SEC Form 4 filings, as of 2026-09-05.

INSIDER
FILED
SHARES
VALUE
Mirgorodskaya Natalia
See Remarks
SELL
2026-08-25
913.0
$27.4K
Datta Sanjay
President, Capital& Enterprise
SELL
2026-08-20
8,945.0
$251.3K
Darling Scott
Chief Legal Officer
SELL
2026-08-20
7,696.0
$216.2K
Mirgorodskaya Natalia
See Remarks
SELL
2026-08-20
586.0
$16.5K
Blankmeyer Andrea
Chief Financial Officer
SELL
2026-08-19
3,000.0
$88.0K
1,345 TRANSACTIONS ON RECORD

Showing the most recent few. Create a free account to see 1,340 more transactions on record, the cross-source screener and CSV export. We store only your email address, and there is no password to create.

Institutional holders
13F · holdings as of the latest quarter funds have reported
BlackRock, Inc.
7,878,717.0 sh
$279.1M
VANGUARD PORTFOLIO MANAGEMENT LLC
3,739,758.0 sh
$132.5M
VANGUARD CAPITAL MANAGEMENT LLC
3,698,553.0 sh
$131.0M
MORGAN STANLEY
2,414,712.0 sh
$85.6M
GOLDMAN SACHS GROUP INC
2,395,222.0 sh
$84.9M
SCHEDULE 13D/G
No 5%+ ownership filings
Nobody has crossed 5% with a filing obligation. Absence is a fact here, not missing data.
Planned sales · Form 144
Filed before the sale — intent, not a trade
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
Blankmeyer Andrea
FILED 2026-08-19
$88.0K
Fund concentration
N-PORT · funds ranked by how much of THEMSELVES they put in this stock — the conviction number 13F cannot show
REX IncomeMax Option Strategy ETF
$725.9K POSITION · AS OF 2026-03-31
5.0%
ALGER WEATHERBIE SPECIALIZED GROWTH FUND
$7.4M POSITION · AS OF 2026-04-30
2.7%
First Trust Nasdaq Artificial Intelligence and Robotics ETF
$9.0M POSITION · AS OF 2026-03-31
1.5%
GATOR CAPITAL LONG/SHORT FUND
$1.2M POSITION · AS OF 2026-04-30
1.4%
Global X Robotics & Artificial Intelligence ETF
$30.0M POSITION · AS OF 2026-02-28
0.8%
Global X FinTech ETF
$1.5M POSITION · AS OF 2026-02-28
0.7%
SEC N-PORT, MONTHLY WITH A ~60-DAY PUBLIC LAG · FUNDS ≥ $10M · % = SHARE OF THE FUND'S OWN BOOK
Executive pay vs shareholder return · Dave Girouard
DEF 14A pay-versus-performance disclosure · both the headline pay and the SEC's mark-to-market figure, beside the return the company delivered and the return of the peer group it chose itself
FY
CEO TOTAL
ACTUALLY PAID
OTHER NEOs 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) · RETURN IS CUMULATIVE FROM THE START OF THE DISCLOSURE PERIOD · GREEN WHERE THE COMPANY BEAT ITS OWN PEER GROUP
Fundamentals
Annual figures from XBRL filings · pick a past date to see them exactly as the market knew them then — restatements and all
2025-122024-122023-122022-12
REVENUE$1.0B$636.5M$513.6M$842.4M
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$368.4M—
BUYBACKS—$0$0$177.9M
SEC XBRL · FISCAL-YEAR PERIODS · AS KNOWN ON 2026-09-05 · NOBODY ELSE SHOWS FUNDAMENTALS AS OF A PAST DATE
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Public filings, honestly analyzed. Official US government sources in one desk — every figure carries the date it was filed, and the methodology is published, backtest included.

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© 2026 WAVEMAN · SOURCE: SEC EDGAR & OFFICIAL GOVERNMENT DATA · NOT INVESTMENT ADVICE · CHART BY TRADINGVIEW · UPDATED 2026-09-05 ALL SYSTEMS LIVE FOR MACHINES →