$UPST

$23.00 -$0.78 (3.28%) Close

$UPST Overview Financial Statements SEC Filings Executives News Red Flags Capital Raising Ownership Insider Transactions Congressional Trades

Ownership

13F as of Q2 2026 · 97.3M shares outstanding

Who owns UPST?

By type of holder

Institutions 59.0% Insiders 11.7% Everyone else 29.2%

Concentration Top 10 holders own 38.8%

Girouard Dave 9.3% · BlackRock, Inc. 8.1%

Institutional ownership

59.0%

+0.9 pts vs last qtr

Institutional holders

366

+28 vs last qtr

Net shares bought

+873.6K

by institutions in Q2 2026

New / sold out

76 / 48

positions opened vs closed

How is ownership changing?

Institutions, last 8 quarters

Biggest buyers in Q2 2026

Bank Of America Corp /de/ +1.0M
Goldman Sachs Group Inc +835.7K

Biggest sellers in Q2 2026

Morgan Stanley −1.6M
Marshall Wace, LLP −909.4K

Who is planning to sell?

Notices of proposed sale, last 12 months

$10.7M

31 notices from 5 people

Shares covered

247.4K

0.25% of the company

Arranged in advance

38%

of the value is under a 10b5-1 plan

Under a 10b5-1 plan No plan

Largest proposed sellers

Datta Sanjay Officer $5.27M
Darling Scott Officer $4.69M

Every notice on Red Flags →

A Form 144 is notice of a planned sale, not the sale itself. What insiders actually sold is on Insider Transactions.

Is your stake being diluted?

Diluted share count, FY2019–FY2025

+649.8%

+39.90% a year

Each share's claim on the business

−86.7%

shrank without buying or selling a share

Spent on buybacks vs paid in stock

$178M vs $655M

over 7 fiscal years

Diluted shares, split-adjusted

Buybacks Stock-based comp

How patient are the owners?

Institutional shares by how long they've been held

5+ years61% 3–5 years6% 1–3 years14% Under 1 year19%

Quarterly turnover

15.5%

of institutional shares changed hands

Top 10 managers, median time held

5 years

Super Investors

Investment managers reporting UPST on Form 13F

Holder	Shares	% of company	Change vs last qtr	Held since	% of their book
B BlackRock, Inc.	7.9M	8.10%	+475.6K (+6.4%)	≤2021	0.0%
Shares held by quarter Peak holding7.9M (Q2'26) Change over 8 quarters+2.1M Share of the company8.100% BlackRock, Inc.'s full portfolio →
MS Morgan Stanley	2.4M	2.48%	−1.6M (−39.3%)	≤2021	0.0%
Shares held by quarter Peak holding4.2M (Q4'25) Change over 8 quarters+986.6K Share of the company2.480% Morgan Stanley's full portfolio →

BlackRock, Inc.

7.9M

% of company

8.10%

Change vs last qtr

+475.6K (+6.4%)

Held since

≤2021

Morgan Stanley

2.4M

% of company

2.48%

Change vs last qtr

−1.6M (−39.3%)

Held since

≤2021

28 more super investors behind a free account

See every manager holding Upstart Holdings Inc, how their position has changed, and how long they've held it.

Institutional Funds

Mutual funds and ETFs reporting UPST on Form N-PORT; together they hold 17.5% of the company

Fund	Position value	Shares	% of company	% of the fund	As of
VT Vanguard Total Stock Market Index Fund Vanguard Index Funds	$91.3M	2.6M	2.65%	0.00%	June 30, 2026
IR iShares Russell 2000 ETF iShares Trust	$77.8M	2.2M	2.26%	0.09%	June 30, 2026

Vanguard Total Stock Market Index Fund

Vanguard Index Funds

Position value

$91.3M

% of company

2.65%

% of the fund

0.00%

As of

June 30, 2026

iShares Russell 2000 ETF

iShares Trust

Position value

$77.8M

% of company

2.26%

% of the fund

0.09%

As of

June 30, 2026

23 more funds behind a free account

See every fund holding Upstart Holdings Inc and how much of the fund the position is.

Insiders and 5%+ holders

From Forms 3/4/5 and Schedules 13D/G

Holder	Shares	% of company	Change vs last qtr	8 quarters	Held since	% of their book
GD Girouard Dave Insider	9.1M	9.34%	—	—	—	—
Insider holdings come from Form 3/4/5 filings, which are not quarterly. Share of the company9.340% Girouard Dave's insider activity →
GP Gu Paul Insider	1.3M	1.34%	—	—	—	—
Insider holdings come from Form 3/4/5 filings, which are not quarterly. Share of the company1.340% Gu Paul's insider activity →

Girouard Dave

Insider

9.1M

% of company

9.34%

Change vs last qtr

—

Held since

—

Gu Paul

Insider

1.3M

% of company

1.34%

Change vs last qtr

—

Held since

—

12 more holders behind a free account

See every insider and 5%+ holder of Upstart Holdings Inc.

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