Upstart Holdings, Inc.· UPST

🇺🇸 US · MidBroad USNASDAQ

Financial Services Financial - Credit Services Website

Price: $24.77
Day: -0.32%
Mkt Cap: $2.37B
52W Range: $23.97 – $71.38
Volume: 3.14M
Beta: 2.17

D55D FrameworkQuarterly Data

Holdings Analysis

Insider activity, institutional flows, and fund ownership.

Smart Money: 4.3 / 5 (Bullish), from 3 of 3 components
Institutions Q2 2026: 420 institutions hold; 197 added, 105 reduced
Insiders Q3 2026: 1 purchase ($1.3M), 10 sales ($4.4M)

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Upstart Holdings, Inc.

UPST|Financial Services|Financial - Credit Services

Current price: $25

Smart Money

Dimension 5 of 5

Insider selling pace · Q3 2026

1.7x

vs own 6-quarter average

Seller breadth · Q3 2026

4 sellers

vs 4.7 avg per quarter

Institutional net breadth · Q2 2026

+124

278 adding vs 154 reducing

Institutional ownership · Q2 2026

62.8%

420 institutions

Insider Selling Pace

Each quarter's selling vs this stock's own trailing 6-quarter average

Light <0.5xRoutineElevated >1.5xHeavy >3xBuying

Institutional Positions

Institutions adding above the line, reducing below, net as a line

NewIncreasedReducedClosedNet

Largest Institutional Holders, Q2 2026

By reported market value, and how each moved in the quarter

Holder

Change

BLACKROCK, INC.

7.9M

+6.8%

VANGUARD PORTFOLIO MANAGEMENT LLC

3.7M

+0.2%

VANGUARD CAPITAL MANAGEMENT LLC

3.7M

-1.1%

MORGAN STANLEY

2.4M

-39.0%

GOLDMAN SACHS GROUP INC

2.4M

+54.1%

MARSHALL WACE, LLP

2.4M

-27.5%

ETF & Fund Activity, Q2 2026

How the covering funds split between buying, holding and selling

142

51 buying142 unchanged23 selling

216 funds held UPST in Q2 2026, holding 26.3M shares between them, up 0.7% on the quarter.

Largest fund holders

JPMorgan Trust I22.1K sh

GOLDMAN SACHS VARIABLE INSURANCE TRUST18.0K sh

Bridge Builder Trust16.5K sh

Notable Insider Transactions, Q3 2026

Largest open-market purchases and sales by value in the last eight quarters

Purchase · May 7

Girouard Dave

$5.0M

Sale · Oct 14

Darling Scott

$3.8M

Sale · Sep 8

Datta Sanjay

$3.2M

Insider transactions from SEC Form 4 filings; institutional holdings from quarterly 13F filings, which are reported with a lag and can overlap between filers. 13F: quarterly institutional holdings report · ETF: Exchange-Traded Fund

See the complete picture

The full 5D Framework: Business Quality · Peer Comparison · Valuation · Analyst Sentiment · Smart Money

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Generated September 18, 2026

For educational purposes only. Not financial advice. Data may be delayed or incomplete.

Smart Money Sentiment

UPST Smart Money Sentiment Score

A weighted 1-5 sentiment score across three smart money signals.

Smart Money

4.3/5

Bullish

Weighted across 3 components

Component Breakdown (3 of 3 available)

Insider Activity

40% weight

+43

Institutional Flow

50% weight

+82

Fund Flow

10% weight

+60

Overall Smart Money sentiment of 4.3/5 (Bullish) based on a weighted combination of 3 components. Insider activity uses a relative-baseline comparison against the stock's own history; institutional flow tracks position momentum and 13F share changes; fund flow measures ETF / mutual-fund buying vs selling. Higher scores indicate stronger bullish sentiment from professional investors.Last updated September 18, 2026.

Insider Trading Activity

Insider trading analysis comparing the latest quarter against the stock's own historical baseline.

Insider Selling Pace for UPST

Each quarter's selling vs the stock's own trailing 6-quarter average; 1.0x is typical for this stock. Green triangles mark quarters with insider buying.

Bullish Signal

Insider buying in Q3 2026

Significant: 1 purchase totaling $1.3M (50.0K shares)

10 sales totaling $4.4M (157.2K shares)

Share volume is near the historical average

4 different insiders sold this quarter

1.7x

Selling pace

vs own 6-qtr average

Elevated

1.24%

Stake sold

of active insiders' holdings

4 sellers

Seller breadth

vs 4.7 avg per quarter

$1.3M

Insider buying

1 buyer in Q3 2026

Notable Recent Transactions, UPST

Top 8 highest-value insider trades from the last 8 quarters

Girouard Dave

10% Owner

Buy

169,940 shares at $29.37

≈2.0% of their stake after buying

May 7, 2026$4.99M

Darling Scott

General Counsel

Sell

75,000 shares at $50.02

≈31.8% of their stake at the time

Oct 14, 2024$3.75M

Datta Sanjay

President, Capital& Enterprise

Sell

116,000 shares at $27.29

≈19.6% of their stake at the time

Sep 8, 2026$3.17M

Gu Paul

Chief Technology Offier

Buy

80,000 shares at $39.23

≈100.0% of their stake after buying

Nov 11, 2025$3.14M

Girouard Dave

CEO

Sell

41,667 shares at $65.15

≈40.4% of their stake at the time

Nov 8, 2024$2.71M

Gu Paul

Chief Technology Offier

Sell

35,876 shares at $75.37

≈4.0% of their stake at the time

Dec 6, 2024$2.70M

Gu Paul

Chief Technology Offier

Sell

35,715 shares at $75.51

≈3.9% of their stake at the time

Nov 25, 2024$2.70M

Girouard Dave

CEO

Sell

41,667 shares at $60.11

≈44.2% of their stake at the time

Jun 11, 2025$2.50M

Institutional Ownership Analysis

Institutional ownership analysis with position momentum, 13F share flow, and ownership percentage trends.

Institutional Positions for UPST

Institutions adding (new + increased) above zero, reducing (reduced + closed) below, net as a line

New Increased Reduced Closed Net (adding − reducing)

Very Bullish

Institutions accumulating in Q2 2026

62.8% institutional ownership

Moderate accumulation: 278 adding vs 154 reducing

13F shares increased by 6.7%, a significant shift

Momentum improving from prior quarter

+124

Net breadth

278 adding vs 154 reducing

Accumulating

1.81

Add / reduce ratio

in Q2 2026

+32

New − closed

81 initiated, 49 exited

7 of 10

Top holders adding

largest holders with a known change

Position Changes

Q2 2026: how are institutions adjusting their positions?

+278 growing-154 shrinkingNet: +124

197

105

New (81)

Increased (197)

Reduced (105)

Closed (49)

Top Institutional Holders, UPST

Largest 8 institutional positions by ownership percentage as of Q2 2026

BLACKROCK, INC.

7.9M

$279.1M

Ownership

8.16%

+6.8%

VANGUARD PORTFOLIO MANAGEMENT LLC

3.7M

$132.5M

Ownership

3.87%

+0.2%

VANGUARD CAPITAL MANAGEMENT LLC

3.7M

$131.0M

Ownership

3.83%

-1.1%

MORGAN STANLEY

2.4M

$85.6M

Ownership

2.50%

-39.0%

GOLDMAN SACHS GROUP INC

2.4M

$84.9M

Ownership

2.48%

+54.1%

MARSHALL WACE, LLP

2.4M

$84.0M

Ownership

2.45%

-27.5%

GEODE CAPITAL MANAGEMENT, LLC

2.2M

$79.0M

Ownership

2.31%

+5.3%

STATE STREET CORP

2.1M

$75.1M

Ownership

2.19%

+3.5%

ETF and Mutual Fund Holdings

ETF and mutual fund activity breakdown showing buying vs selling funds, top fund holders, and detailed holdings.

Fund Activity

Q2 2026: 216 ETFs and mutual funds reporting

51 buying23 sellingNet: +28

142

Buying (51)

Unchanged (142)

Selling (23)

In total, funds bought 1.7M shares and sold 1.5M this quarter. Each fund counts once in the bar above, whatever the size of its move.

Very Bullish

Funds accumulating in Q2 2026

216 ETFs and mutual funds reporting

51 funds buying vs 23 selling

Top Fund Holders, UPST

Largest 8 ETF and mutual fund positions by shares held, each fund's latest filing

JPMorgan Trust I

22.1K

Weight

0.00%

Jun 30, 2026Decreased

GOLDMAN SACHS VARIABLE INSURANCE TRUST

18.0K

Weight

0.07%

Jun 30, 2026Increased

Bridge Builder Trust

16.5K

Weight

0.00%

Jun 30, 2026No change

Voya VARIABLE PORTFOLIOS INC

15.9K

Weight

0.12%

Jun 30, 2026Increased

Calvert Responsible Index Series, Inc.

15.5K

Weight

0.82%

Jun 30, 2026No change

RENAISSANCE CAPITAL GREENWICH FUNDS

15.1K

Weight

12.83%

Jun 30, 2026No change

VANGUARD VARIABLE INSURANCE FUNDS

14.9K

Weight

0.01%

Jun 30, 2026No change

Venerable Variable Insurance Trust

8.7K

Weight

0.02%

Jun 30, 2026Increased

Upstart Holdings, Inc.· UPST

Holdings Analysis

Insider Trading Activity

1.3Transaction History500Real market purchases and sales onlyShow All Types

Institutional Ownership Analysis

2.4Detailed Holdings136Most recent institutional positions with changes and valuations

ETF and Mutual Fund Holdings

3.3Fund Holdings Details25Most recent ETF and mutual fund holdings with share counts and weights

Search stocks

Holdings Analysis

Insider Trading Activity

1.3Transaction History500Real market purchases and sales onlyShow All Types

Institutional Ownership Analysis

2.4Detailed Holdings136Most recent institutional positions with changes and valuations

ETF and Mutual Fund Holdings

3.3Fund Holdings Details25Most recent ETF and mutual fund holdings with share counts and weights