Insider Cluster (3 insiders) ·Filed Feb 20, 2026

UPST

Upstart Holdings, Inc.
BEARISH
Impact 7/10
Horizondays Processed7mo ago
Actionable Insight ▼ Bearish

Traders should watch for downward pressure on UPST ahead of the next earnings report or corporate announcement. The concentration of sales among C-suite executives increases the signal strength — consider reducing long exposure or hedging with puts if no fundamental catalysts are imminent.

DirectionBearish
Confidencehigh
Horizondays
Final — all horizons settled through T+60d
UPST ▼ -4.61% at T+60d
SHORT call ✓ call won +4.61% · α vs SPY +11.74% · entry $29.29 → $27.94
Entry anchored
Feb 19, 04:53 PM ET
via exchange tick
T+1d
-6.93%
call +6.93% · α +5.92%
$27.26
settled 7mo ago
T+5d
-7.03%
call +7.03% · α +6.58%
$27.23
settled 7mo ago
T+20d
-11.30%
call +11.30% · α +5.35%
$25.98
settled 7mo ago
T+60d
-4.61%
call +4.61% · α +11.74%
$27.94
settled 5mo ago

Price Chart

Loading chart...

Executive Summary

Three Upstart insiders, including the CFO and Chief Legal Officer, sold shares in a coordinated cluster over a single day, totaling nearly $451,000. The sales represent material divestitures by senior executives, with the CFO accounting for over half the value. This suggests a lack of confidence in near-term stock performance, especially given the absence of any offsetting insider buys.

Key Financial Metrics

Direction
selling
Total Value
$450.7K
Insiders
3

Key Facts

  • CFO Sanjay Datta sold $238,375 worth of shares, representing a significant portion of the total insider selling.
  • Chief Legal Officer Scott Darling sold $193,394 worth of shares on the same day.
  • All three trades occurred on 2026-02-20, indicating a coordinated timing window.
  • Total value of insider sales in the past 7 days: $450,694.322.
  • No insider purchases were reported in the same period.

Financial Impact

$450.7K in insider selling over 7 days, all on the same day by senior executives

insider sentimentinvestor confidencepotential dilution signal

Risk Factors

  • Insiders may be selling for personal liquidity needs unrelated to company prospects.
  • Lack of accompanying filing context (e.g., 10-K, 8-K) limits ability to tie this directly to a material business change.

Market Snapshot

Exchange
Nasdaq

Investment Themes

Artificial IntelligenceFintech & Payments

Documents Analyzed

This report is based on 1 SEC document filed with EDGAR.

DocumentAccession Number
CONTEXT: Insider Cluster Data (3 trades, 7d window)cluster-UPST-1771969667362
12 reports for UPST
Performance horizon
100% Hit rate 3 of 3 directional calls best @ T+20▲ +13.11%Aug 21, 2026
Filters
Rows
Reports for UPST — sortable, filterable
TypeNow
Sep 10, 2026
21d ago
Insider Cluster
MIXED ★ 5/10
$25.59 $25.00▼ −2.31%▼ −2.08%$22.81 (−10.86%)
Aug 27, 2026
5w ago
Insider Cluster
NEUTRAL ★ 3/10
$29.08 $28.05▼ −3.54%▼ −3.65%$22.81 (−21.56%)
Aug 21, 2026
5w ago
Insider Cluster
BEARISH ★ 4/10
$29.89 $28.68▲ +4.05%▲ +4.52%$22.81 (+23.69%)
Aug 19, 2026
6w ago
Insider Cluster
NEUTRAL ★ 2/10
$30.60 $30.47▼ −0.42%▼ −0.04%$22.81 (−25.46%)
May 27, 2026
18w ago
Insider Cluster
NEUTRAL ★ 2/10
$32.69 $32.27▼ −1.28%▼ −1.60%$22.81 (−30.22%)
May 20, 2026
19w ago
144
NEUTRAL ★ 2/10
$28.85 $32.69▲ +13.31%▲ +11.71%$22.81 (−20.94%)
May 19, 2026
19w ago
8-K
NEUTRAL ★ 3/10
$28.08 $30.45▲ +8.44%▲ +6.19%$22.81 (−18.77%)
May 18, 2026
19w ago
Insider Cluster
BULLISH ★ 6/10
$28.08 $30.45▲ +8.44%▲ +6.19%$22.81 (−18.77%)
May 15, 2026
19w ago
144
NEUTRAL ★ 2/10
$27.94 $30.62▲ +9.59%▲ +7.97%$22.81 (−18.36%)
May 7, 2026
21w ago
Insider Cluster
BULLISH ★ 6/10
$29.00 $29.71▲ +2.45%▲ +0.15%$22.81 (−21.34%)
Showing 10 of 12

US Market Status

Market Closed — Opens Mon (65h 29m)

Subscribe to SecBot

Get Real-Time SEC Filing Intelligence

Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.

Try SecBot Free Coming soon: SecBot Pro with alerts, watchlists, and API access
Report published Feb 24, 2026