Market Cap
$2.2B
UPST
Upstart Holdings, Inc.
$23.02 ▲ +0.31%
Prev close $22.95Market cap$2.2B
ConsensusBuy
12-mo target$40.00 (+73.8%)
▲ Bullish
Analyst conviction 6/10
Insider Selling Cluster (5 insiders)High Impact Filing (7/10)30 New Institutional Positions20 Institutional ExitsCongressional Activity (2) Artificial IntelligenceFintech & Payments
Snapshot
The big-picture read on UPST right now — valuation, ownership and activity at a glance.
Cap Size
Mid Cap
Analyst Consensus
Buy (62%)
Inst. Holders
50 funds
Inst. Value
$2.2B
Inst. Activity
30 buys / 20 sells
Insider Activity
$7.7M buy / $6.1M sell
Insider Net $
$1.6M
Social Sentiment
45° Neutral
SEC Reports
12
Congressional
3 trades
Price chart 30d -18.3%
Daily candles (open–high–low–close) with volume. Green = up day, red = down day.
No data for this timeframe.
Vol
Recent activity
The latest filings, insider trades, analyst actions, press and options flow — newest first.
Oct 1, 2026 short_volume
Sep 10, 2026 SEC Short Volume: UPST — 60.5% short (1.3M / 2.2M)
Short: 1,327,951 | Exempt: 2,241 | TRF Vol: 2,196,207 | Short Ratio: 60.5% | Off-exchange volume (da
Upstart Holdings saw a mixed insider cluster with CEO Paul Gu buying $1.28M in open-market shares on Sept 10, while Pres
CLUSTER — Impact 5/10
Sep 10, 2026 Insider
Gu Paul bought 50,000 shares
Chief Executive Officer @ $25.55 ($1.3M)
Sep 8, 2026 Insider
Datta Sanjay acquired via exercise 300,000 shares
President, Capital& Enterprise @ $1.35 ($405.0K)
Sep 8, 2026 Insider
Aug 27, 2026 SEC Datta Sanjay sold 116,000 shares
President, Capital& Enterprise @ $27.29 ($3.2M)
Four Upstart insiders, including the CFO, CLO, and President of Capital & Enterprise, sold a total of ~$583K in shares o
CLUSTER — Impact 3/10
Four Upstart insiders, including the CFO and President of Capital & Enterprise, sold a total of ~$1.18M in open-market s
CLUSTER — Impact 4/10
Aug 14, 2026 Congress
Tony Wied sell
$15,001 - $50,000 — House
Analyst ratings buy % +3.3%
How Wall Street rates the stock today, and the latest firm-by-firm actions.
62% rate it Buy or better · 21 analysts
Recent analyst actions
| Date | Firm | Action | Rating | Firm rating |
|---|---|---|---|---|
| Sep 22, 2026 | BTIG | REITERATE | Buy | 53% |
| Sep 9, 2026 | Loop Capital | INITIATE | Hold | 54% |
| Aug 5, 2026 | Needham | MAINTAIN | Buy | 50% |
| Aug 5, 2026 | Piper Sandler | MAINTAIN | Overweight | 54% |
| Aug 5, 2026 | BTIG | REITERATE | Buy | 53% |
| Jul 22, 2026 | Citigroup | MAINTAIN | Buy | 55% |
| Jul 9, 2026 | Goldman Sachs | MAINTAIN | Neutral | 54% |
| Jul 7, 2026 | Needham | MAINTAIN | Buy | 50% |
| Jul 7, 2026 | BTIG | REITERATE | Buy | 53% |
| Jun 15, 2026 | Needham | REITERATE | Buy | 50% |
Monthly consensus history
| Period | Str. Buy | Buy | Hold | Sell | Str. Sell | Buy % | Distribution |
|---|---|---|---|---|---|---|---|
| Sep 1, 2026 | 4 | 9 | 7 | 1 | 0 | 62% | |
| Aug 1, 2026 | 4 | 9 | 7 | 1 | 0 | 62% | |
| Jul 1, 2026 | 4 | 9 | 7 | 1 | 0 | 62% | |
| Jun 1, 2026 | 4 | 9 | 7 | 1 | 0 | 62% | |
| May 1, 2026 | 4 | 9 | 7 | 1 | 0 | 62% | |
| Apr 1, 2026 | 4 | 9 | 7 | 1 | 0 | 62% | |
| Mar 1, 2026 | 3 | 10 | 8 | 1 | 0 | 59% | |
| Feb 1, 2026 | 3 | 10 | 7 | 1 | 0 | 62% |
Price targets
Where 16 covering analysts think UPST trades over the next 12 months.
$40.00 +73.8% upside Strong Buy
Current$23.02 Low$20.00 Median$39.50 High$61.00 16 analysts
$20.00$61.00
Analyst rating Buy· 2.2/5 as of Oct 2, 2026
Social media sentiment mood +0.0%
Retail-investor mood aggregated across social media. 0° = very bearish, 100° = very bullish.
45°
Neutral
BearishNeutralBullish
Recent posts
Reports & filings
AI-scored summaries of recent SEC filings and press releases, with sentiment and impact.
12 SEC filing reports analyzed · 2 bullish, 2 bearish, 1 mixed, 7 neutral · avg impact 3.8/10.
MIXEDCLUSTER5/10
Upstart Holdings saw a mixed insider cluster with CEO Paul Gu buying $1.28M in open-market shares on
Sep 10, 2026
NEUTRALCLUSTER3/10
Four Upstart insiders, including the CFO, CLO, and President of Capital & Enterprise, sold a total o
Aug 27, 2026
BEARISHCLUSTER4/10
Four Upstart insiders, including the CFO and President of Capital & Enterprise, sold a total of ~$1.
Aug 21, 2026
NEUTRALCLUSTER2/10
Three Upstart insiders — CFO, President of Capital & Enterprise, and Chief Legal Officer — sold a to
Aug 20, 2026
Upcoming & catalyst events
Scheduled dates plus disclosed catalysts — earnings, dividends, enforcement, FDA and clinical-trial events. Colored dot = impact.
Oct 1, 2026
short_volume
Short Volume: UPST — 60.5% short (1.3M / 2.2M)
Short: 1,327,951 | Exempt: 2,241 | TRF Vol: 2,196,207 | Short Ratio: 60.5% | Off-exchange volume (dark pool + OTC)
Sep 30, 2026
short_volume
Short Volume: UPST — 62.1% short (0.8M / 1.3M)
Short: 796,196 | Exempt: 706 | TRF Vol: 1,281,681 | Short Ratio: 62.1% | Off-exchange volume (dark pool + OTC)
Sep 25, 2026
short_volume
Short Volume: UPST — 63.7% short (1.2M / 1.9M)
Short: 1,196,690 | Exempt: 4,129 | TRF Vol: 1,879,600 | Short Ratio: 63.7% | Off-exchange volume (dark pool + OTC)
Sep 23, 2026
short_volume
Short Volume: UPST — 56.3% short (1.4M / 2.5M)
Short: 1,426,386 | Exempt: 833 | TRF Vol: 2,531,859 | Short Ratio: 56.3% | Off-exchange volume (dark pool + OTC)
Sep 18, 2026
short_volume
Short Volume: UPST — 66.9% short (1.4M / 2.1M)
Short: 1,381,085 | Exempt: 902 | TRF Vol: 2,063,226 | Short Ratio: 66.9% | Off-exchange volume (dark pool + OTC)
Earnings estimates
Forecast earnings per share and revenue by period — and whether estimates are rising.
| Period | EPS Est. | Range | Growth | 30d Rev | Up/Dn | Revenue | # |
|---|---|---|---|---|---|---|---|
| Current Q | $0.65 | $0.45–$0.88 | 25.6% | +0.5% | 2↑ 3↓ | $0.4B | 6 |
| Next Q | $0.74 | $0.66–$0.89 | 50.1% | +1.8% | 1↑ 5↓ | $0.4B | 6 |
| Current FY | $2.30 | $2.04–$2.50 | 21.6% | +0.0% | 0↑ 7↓ | $1.4B | 8 |
| Next FY | $3.48 | $2.40–$4.51 | 51.4% | +6.2% | 3↑ 3↓ | $1.9B | 9 |
Current-quarter EPS estimate — revision history
| When | EPS estimate | Change vs now |
|---|---|---|
| Current | $0.653 | — |
| 7d ago | $0.645 | +0.008 |
| 30d ago | $0.650 | +0.003 |
| 60d ago | $0.669 | -0.016 |
| 90d ago | $0.673 | -0.020 |
Institutional ownership
Which big funds own UPST (from quarterly 13F filings) and who is adding or trimming.
50 institutional holders with $2.2B total value (62,035,419 shares) as of 2026-Q2. Top holders: BlackRock,, VANGUARD, VANGUARD. Net buying activity: 30 institutions added/increased vs 20 reduced.
Top holders — 2026-Q2
| Fund | Shares | Value | % Tracked | Last move |
|---|---|---|---|---|
| BlackRock, Inc. | 7,878,717 | $279.1M | 12.7% | — |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 3,739,758 | $132.5M | 6.0% | — |
| VANGUARD CAPITAL MANAGEMENT LLC | 3,698,553 | $131.0M | 6.0% | — |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | 3,059,600 | $108.4M | 4.9% | DOUBLED +182.2% |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | 2,589,500 | $91.7M | 4.2% | DOUBLED +182.2% |
| MORGAN STANLEY | 2,414,712 | $85.6M | 3.9% | TRIM -39.3% |
| GOLDMAN SACHS GROUP INC | 2,395,222 | $84.9M | 3.9% | ADD +53.6% |
| MARSHALL WACE, LLP | 2,370,690 | $84.0M | 3.8% | TRIM -27.7% |
| GEODE CAPITAL MANAGEMENT, LLC | 2,228,631 | $79.0M | 3.6% | — |
| STATE STREET CORP | 2,118,467 | $75.1M | 3.4% | — |
Recent position changes
| Fund | Action | Prev | Current | Change | Value |
|---|---|---|---|---|---|
| MORGAN STANLEY | TRIM | 3,975,059 | 2,414,712 | -39.3% | $85.6M |
| GOLDMAN SACHS GROUP INC | ADD | 1,559,486 | 2,395,222 | +53.6% | $84.9M |
| MARSHALL WACE, LLP | TRIM | 3,280,110 | 2,370,690 | -27.7% | $84.0M |
| BANK OF AMERICA CORP /DE/ | DOUBLED | 505,978 | 1,512,356 | +198.9% | $53.6M |
| UBS Group AG | ADD | 881,867 | 1,503,436 | +70.5% | $53.3M |
| CITIGROUP INC | ADD | 806,341 | 1,135,682 | +40.8% | $40.2M |
| CITADEL ADVISORS LLC | ADD | 631,162 | 955,585 | +51.4% | $33.9M |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | DOUBLED | 326,106 | 920,253 | +182.2% | $32.6M |
| FMR LLC | DOUBLED | 14,736 | 706,548 | +4694.7% | $25.0M |
| BALYASNY ASSET MANAGEMENT L.P. | TRIM | 869,416 | 556,759 | -36.0% | $19.7M |
Insider activity
Buying and selling by company executives and directors (SEC Form 4).
12 insiders, 49 transactions. Net $1.6M — $7.7M bought, $6.1M sold.
| Date | Insider | Title | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| Sep 10, 2026 | Gu Paul | Chief Executive Officer | BUY | 50,000 | $25.55 | $1.3M |
| Sep 8, 2026 | Datta Sanjay | President, Capital& Enterprise | EXERCISE | 300,000 | $1.35 | $405.0K |
| Sep 8, 2026 | Datta Sanjay | President, Capital& Enterprise | SELL | 116,000 | $27.29 | $3.2M |
| Aug 25, 2026 | Mirgorodskaya Natalia | See Remarks | SELL | 913 | $30.03 | $27.4K |
| Aug 20, 2026 | Mirgorodskaya Natalia | See Remarks | SELL | 586 | $28.09 | $16.5K |
| Aug 20, 2026 | Darling Scott | Chief Legal Officer | SELL | 7,696 | $28.09 | $216.2K |
| Aug 20, 2026 | Datta Sanjay | President, Capital& Enterprise | SELL | 8,945 | $28.09 | $251.3K |
| Aug 19, 2026 | Blankmeyer Andrea | Chief Financial Officer | SELL | 3,000 | $29.33 | $88.0K |
| Aug 19, 2026 | Datta Sanjay | President, Capital& Enterprise | SELL | 10,000 | $31.46 | $314.6K |
| Aug 17, 2026 | Darling Scott | Chief Legal Officer | SELL | 814 | $29.36 | $23.9K |
Congressional trades
UPST trades disclosed by members of Congress, with disclosure delay.
1 members · 1 buys / 2 sells
| Date | Member | Party | Chamber | Type | Amount | Asset | Disclosed |
|---|---|---|---|---|---|---|---|
| Aug 14, 2026 | Tony Wied | R | HOUSE | SELL | $15,001 - $50,000 | UPSTART HOLDINGS INC | Sep 7, 2026(25d) |
| Jul 14, 2026 | Tony Wied | R | HOUSE | BUY | $15,001 - $50,000 | UPSTART HOLDINGS INC | Aug 19, 2026(37d) |
| Jun 9, 2026 | Tony Wied | R | HOUSE | SELL | $15,001 - $50,000 | UPSTART HOLDINGS INC | Aug 10, 2026(63d) |
Short interest & halts
FINRA semi-monthly short positions, Reg SHO threshold status, and recent trading halts for UPST.
Shares short
27,649,788
Settlement Sep 15, 2026
Change vs prior
+6.6%
Semi-monthly cycle
Days to cover
6.9
At avg daily volume
Of shares outstanding
≈28.4%
Estimate — not % of float
All UPST filing & press-release reports (12)
- CLUSTER reportSep 10, 2026
- CLUSTER reportAug 27, 2026
- CLUSTER reportAug 21, 2026
- CLUSTER reportAug 20, 2026
- CLUSTER reportMay 27, 2026
- 144 reportMay 20, 2026
- 8-K reportMay 19, 2026
- CLUSTER reportMay 18, 2026
- 144 reportMay 15, 2026
- CLUSTER reportMay 14, 2026
- CLUSTER reportFeb 27, 2026
- CLUSTER, CLUSTER reportFeb 24, 2026