UPST

Upstart Holdings, Inc.

Nasdaq · Finance Services · Inc. DE · CIK 0001647639
$30.50 -4.06% $2.9B
Insider Selling Cluster (3 insiders)High Impact Filing (7/10)23 New Institutional Positions12 Institutional Exits
Vol
Market Cap$2.9B
Cap SizeMid Cap
Analyst ConsensusBuy (62%)
Inst. Holders50 funds
Inst. Value$1.4B
Inst. Activity23 buys / 12 sells
Insider Activity2B / 12S
Insider Net $$4.9M
Reddit Sentiment49° Neutral
SEC Reports8
Exchange Nasdaq·Sector Finance Services·Inc. DE·CIK 0001647639·Prev Close $31.79

Recent Activity

Jun 11, 2026 short_volume
Short Volume: UPST — 59.8% short (0.9M / 1.6M)
Short: 940,230 | Exempt: 1,797 | TRF Vol: 1,570,995 | Short Ratio: 59.8% | Off-exchange volume (dark
Jun 9, 2026 Insider
Datta Sanjay sold 15,000 shares
President, Capital& Enterprise @ $30.41 ($456.1K)
May 29, 2026 Insider
O'Kelly Ciaran was granted 6,476 shares
Director
May 29, 2026 Insider
Bernard Peter J was granted 6,476 shares
Director
May 27, 2026 SEC
Three UPST insiders, including the Chief Legal Officer and President of Capital & Enterprise, sold a total of ~$449K in
CLUSTER — Impact 2/10
May 20, 2026 SEC
Insider (officer) Scott Darling filed Form 144 on May 20, 2026, indicating intent to sell 6,634 shares of Upstart Holdin
144 — Impact 2/10
May 19, 2026 SEC
Upstart announced the election of Tim Wennes, former CEO of Santander Holdings USA, to its Board of Directors effective
8-K — Impact 3/10
Inst.
MARSHALL WACE, LLP — DOUBLED
3,280,110 shares ($84.1M)

Price Targets

$40.13 +31.6% upside Strong Buy
Current $30.50 Low $20.00 Median $37.00 High $80.00 15 analysts
$20.00 $80.00

Analyst Ratings

Buy62% buy · 21 analysts
4Strong Buy
9Buy
7Hold
1Sell
0Strong Sell
Recent Analyst Actions
DateFirmActionRating
May 6, 2026 Piper Sandler MAINTAIN Overweight → Overweight
May 6, 2026 Needham MAINTAIN Buy → Buy
May 6, 2026 BTIG REITERATE Buy → Buy
Apr 9, 2026 BTIG REITERATE Buy → Buy
Mar 26, 2026 Mizuho MAINTAIN Outperform → Outperform

Earnings Estimates

PeriodEPS Est.RangeGrowth#
Current Q $0.60 ▲ +2.9% $0.41 — $0.74 68% YoY 7
Next Q $0.67 $0.61 — $0.75 29% YoY 7
Current FY $2.39 ▲ +1.6% $2.30 — $2.53 27% YoY 9
Next FY $3.42 ▲ +1.9% $2.95 — $4.19 43% YoY 9

Top Institutional Holders

FundValueMove
BlackRock, Inc.$189.9M
MORGAN STANLEY$102.0MDOUBLED
SUSQUEHANNA INTERNATIONAL GROUP, LLP$97.7M
VANGUARD CAPITAL MANAGEMENT LLC$96.2M
VANGUARD PORTFOLIO MANAGEMENT LLC$96.0M

Recent Insider Trades

DateInsiderTypeValue
Jun 9, 2026Datta SanjaySELL$456.1K
May 29, 2026O'Kelly CiaranA$0.00
May 29, 2026Bernard PeterA$0.00
May 29, 2026Cooper KerryA$0.00
May 29, 2026Wennes TimothyA$0.00

Reddit Sentiment

49°
Neutral
Bearish Neutral Bullish
37 mentions 13 bullish 14 bearish
50 institutional holders with $1.4B total value (54,100,676 shares) as of 2026-Q1. Top holders: BlackRock,, MORGAN, SUSQUEHANNA. Net buying activity: 23 institutions added/increased vs 12 reduced.

Top Institutional Holders — 2026-Q1

#FundSharesValue% of TrackedLast Move
1BlackRock, Inc.7,403,079$189.9M13.7%
2MORGAN STANLEY3,975,059$102.0M7.3%DOUBLED +154.6%
3SUSQUEHANNA INTERNATIONAL GROUP, LLP3,809,800$97.7M7.0%
4VANGUARD CAPITAL MANAGEMENT LLC3,752,050$96.2M6.9%
5VANGUARD PORTFOLIO MANAGEMENT LLC3,743,541$96.0M6.9%
6MARSHALL WACE, LLP3,280,110$84.1M6.1%DOUBLED +495.1%
7SUSQUEHANNA INTERNATIONAL GROUP, LLP2,664,700$68.3M4.9%
8CITADEL ADVISORS LLC2,332,500$59.8M4.3%
9STATE STREET CORP2,053,086$52.7M3.8%
10GOLDMAN SACHS GROUP INC1,559,486$40.0M2.9%
11Clear Street Group Inc.1,555,206$39.9M2.9%DOUBLED +260.9%
12BARCLAYS PLC1,272,286$32.6M2.3%
13CITADEL ADVISORS LLC1,206,600$30.9M2.2%
14BAILLIE GIFFORD & CO1,108,295$28.4M2.0%ADD +46.0%
15DIMENSIONAL FUND ADVISORS LP1,022,780$26.2M1.9%DOUBLED +267.1%
16D. E. Shaw & Co., Inc.916,600$23.5M1.7%DOUBLED +150.5%
17COATUE MANAGEMENT LLC870,947$22.3M1.6%NEW
18BALYASNY ASSET MANAGEMENT L.P.869,416$22.3M1.6%DOUBLED +4310.6%
19CAPITAL FUND MANAGEMENT S.A.846,779$21.7M1.6%ADD +26.1%
20CITIGROUP INC806,341$20.7M1.5%

Recent Position Changes

FundActionPrev SharesCurr SharesChange %ValueQuarter
MARSHALL WACE, LLPDOUBLED551,1683,280,110+495.1%$84.1M2026-Q1
BAILLIE GIFFORD & COADD758,9291,108,295+46.0%$28.4M2026-Q1
DIMENSIONAL FUND ADVISORS LPDOUBLED278,5901,022,780+267.1%$26.2M2026-Q1
COATUE MANAGEMENT LLCNEW870,947$22.3M2026-Q1
BALYASNY ASSET MANAGEMENT L.P.DOUBLED19,712869,416+4310.6%$22.3M2026-Q1
CAPITAL FUND MANAGEMENT S.A.ADD671,345846,779+26.1%$21.7M2026-Q1
Point72 Asset Management, L.P.DOUBLED370,179756,060+104.2%$19.4M2026-Q1
FRED ALGER MANAGEMENT, LLCTRIM1,006,130559,525-44.4%$14.4M2026-Q1
BANK OF AMERICA CORP /DE/NEAR_EXIT2,538,426505,978-80.1%$13.0M2026-Q1
HSBC HOLDINGS PLCADD210,145288,044+37.1%$7.4M2026-Q1
PEAK6 LLCDOUBLED87,617242,030+176.2%$6.2M2026-Q1
VOLORIDGE INVESTMENT MANAGEMENT, LLCTRIM347,881215,345-38.1%$5.5M2026-Q1
Connor, Clark & Lunn Investment Management Ltd.NEAR_EXIT850,839180,606-78.8%$4.6M2026-Q1
Holocene Advisors, LPDOUBLED9,042134,934+1392.3%$3.5M2026-Q1
Marex Group plcNEAR_EXIT1,178,997116,308-90.1%$3.0M2026-Q1
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd.NEAR_EXIT1,208,201115,008-90.5%$2.9M2026-Q1
Banco Santander, S.A.DOUBLED40,523109,300+169.7%$2.8M2026-Q1
Universal- Beteiligungs- und Servicegesellschaft mbHADD50,38270,797+40.5%$1.8M2026-Q1
Mariner, LLCADD25,01436,899+47.5%$946.5K2026-Q1
Centiva Capital, LPADD15,18726,180+72.4%$671.5K2026-Q1
AMERIPRISE FINANCIAL INCTRIM37,70819,781-47.5%$507.4K2026-Q1
CANADA PENSION PLAN INVESTMENT BOARDADD11,10018,300+64.9%$469.4K2026-Q1
PRUDENTIAL FINANCIAL INCDOUBLED5,34513,630+155.0%$349.6K2026-Q1
Phoenix Financial Ltd.ADD8,48212,312+45.2%$315.6K2026-Q1
STATE OF WISCONSIN INVESTMENT BOARDADD4,6988,559+82.2%$219.5K2026-Q1
12 unique insiders with 30 transactions. Net insider value: $4.9M ($6.4M bought, $1.5M sold).

Insider Transactions

DateInsiderTitleTypeSharesPriceValue
Jun 9, 2026Datta SanjayPresident, Capital& EnterpriseSELL15,000$30.41$456.1K
May 29, 2026O'Kelly CiaranDirectorAWARD6,476
May 29, 2026Bernard Peter JDirectorAWARD6,476
May 29, 2026Cooper Kerry WhortonDirectorAWARD6,476
May 29, 2026Wennes Timothy HDirectorAWARD6,476
May 29, 2026Terry Hilliard C. IIIDirectorAWARD6,476
May 29, 2026Hentges MaryDirectorAWARD6,476
May 26, 2026Mirgorodskaya NataliaSee RemarksSELL974$28.99$28.2K
May 20, 2026Datta SanjayPresident, Capital& EnterpriseSELL7,985$28.77$229.7K
May 20, 2026Darling ScottChief Legal OfficerSELL6,634$28.78$190.9K
May 15, 2026Datta SanjayPresident, Capital& EnterpriseSELL806$28.96$23.3K
May 15, 2026Darling ScottChief Legal OfficerSELL286$28.84$8.2K
May 15, 2026Blankmeyer AndreaChief Financial OfficerSELL2,759$28.96$79.9K
May 15, 2026Mirgorodskaya NataliaSee RemarksEXERCISE4,600$1.35$6.2K
May 13, 2026Gu PaulChief Executive OfficerBUY50,000$27.50$1.4M
May 7, 2026Girouard DaveDirectorBUY169,940$29.37$5.0M
May 7, 2026Girouard DaveDirectorEXERCISE835,075$0.8300$693.1K
Mar 31, 2026Blankmeyer AndreaChief Financial OfficerAWARD169,427
Mar 31, 2026Blankmeyer AndreaChief Financial OfficerAWARD148,006
Mar 2, 2026Mirgorodskaya NataliaSee RemarksSELL390$26.02$10.1K
Feb 28, 2026Mirgorodskaya NataliaSee RemarksAWARD9,375
Feb 28, 2026Datta SanjaySee RemarksAWARD61,670
Feb 28, 2026Darling ScottChief Legal OfficerAWARD24,668
Feb 28, 2026Darling ScottChief Legal OfficerAWARD74,003
Feb 28, 2026Mirgorodskaya NataliaSee RemarksAWARD5,938
Feb 28, 2026Datta SanjaySee RemarksAWARD185,008
Feb 25, 2026Mirgorodskaya NataliaSee RemarksSELL866$28.79$24.9K
Feb 20, 2026Mirgorodskaya NataliaSee RemarksSELL633$29.90$18.9K
Feb 20, 2026Datta SanjayChief Financial OfficerSELL7,982$29.86$238.4K
Feb 20, 2026Darling ScottChief Legal OfficerSELL6,478$29.85$193.4K

No press releases analyzed yet. Press releases are collected from GlobeNewsWire and analyzed by the LLM pipeline.

Current analyst consensus: Buy (62% buy). Based on 21 analysts: 4 strong buy, 9 buy, 7 hold, 1 sell, 0 strong sell.

Analyst Price Targets

$40.13 mean target +31.6% upside Strong Buy (2.13)
$20.00 Low $80.00 High
MetricValue
Current Price$30.50
Target Low$20.00
Target Mean$40.13
Target Median$37.00
Target High$80.00
# Analysts15
RecommendationStrong Buy (2.13)

Earnings Estimates & Revisions

PeriodEPS AvgEPS LowEPS HighEPS Growth30d Rev.Up/DownRev. AvgRev. GrowthAnalysts
Current Q
2026-06-30
$0.60 $0.41 $0.74 67.6% +2.9% 2↑ 3↓ $0.3B 34.8% 7
Next Q
2026-09-30
$0.67 $0.61 $0.75 28.8% +0.2% 4↑ 1↓ $0.4B 30.8% 7
Current FY
2026-12-31
$2.39 $2.30 $2.53 26.7% +1.6% 6↑ 2↓ $1.4B 35.6% 9
Next FY
2027-12-31
$3.42 $2.95 $4.19 43.2% +1.9% 6↑ 1↓ $1.9B 31.2% 9

Current Quarter EPS Revision History

TimepointEPS EstimateChange
Current$0.603
7d ago$0.612-0.009
30d ago$0.586+0.017
60d ago$0.603+0.000
90d ago$0.592+0.011
8 analyst firms have rated this stock: 3 upgrades, 1 downgrades, 1 initiations.

Individual Analyst Actions

DateAnalyst FirmActionPrevious RatingNew Rating
May 6, 2026 Piper Sandler MAINTAIN Overweight Overweight
May 6, 2026 Needham MAINTAIN Buy Buy
May 6, 2026 BTIG REITERATE Buy Buy
Apr 9, 2026 BTIG REITERATE Buy Buy
Mar 26, 2026 Mizuho MAINTAIN Outperform Outperform
Mar 16, 2026 BTIG UPGRADE Neutral Buy
Mar 11, 2026 Needham REITERATE Buy Buy
Mar 4, 2026 Needham MAINTAIN Buy Buy
Feb 18, 2026 Citizens REITERATE Market Underperform Market Underperform
Feb 17, 2026 Compass Point UPGRADE Sell Neutral
Feb 13, 2026 Goldman Sachs UPGRADE Sell Neutral
Feb 13, 2026 Citizens DOWNGRADE Market Perform Market Underperform
Feb 11, 2026 Needham REITERATE Buy Buy
Feb 11, 2026 Truist Securities MAINTAIN Buy Buy
Jan 6, 2026 Truist Securities INITIATE Buy

Monthly Consensus History

PeriodStrong BuyBuyHoldSellStrong SellBuy %Distribution
Jun 1, 20264971062%
May 1, 20264971062%
Apr 1, 20264971062%
Mar 1, 202631081059%
Feb 1, 202631071062%
Jan 1, 20263971060%
Strong BuyBuyHoldSellStrong Sell

No congressional trading data available for this ticker. Data is sourced from Senate and House financial disclosure filings.

49°
Neutral
Bearish Neutral Bullish
37 mentions 13 bullish 14 bearish 27 time periods

Reddit Sentiment History

DateMentionsSentimentBullishBearishThreads
Jun 9, 2026160° Warm101
Jun 9, 2026160° Warm101
Jun 8, 2026150° Neutral001
Jun 8, 2026150° Neutral001
Jun 5, 2026336° Cool023
Jun 5, 2026140° Cool011
Jun 4, 2026160° Warm101
Jun 4, 2026160° Warm101
Jun 3, 2026258° Warm102
Jun 3, 2026258° Warm102
May 22, 2026620° Bearish066
May 22, 2026140° Cool011
May 20, 2026160° Warm101
May 20, 2026160° Warm101
May 19, 2026140° Cool011
May 19, 2026140° Cool011
May 18, 2026140° Cool011
May 18, 2026140° Cool011
May 15, 2026150° Neutral001
May 15, 2026150° Neutral001
May 15, 2026150° Neutral001
May 15, 2026150° Neutral001
May 14, 2026267° Warm202
May 14, 2026160° Warm101
Apr 15, 2026160° Warm101
Apr 15, 2026160° Warm101
Mar 24, 2026144° Neutral001

Recent Reddit Threads

r/wallstreetbets Bullish 3d 14h ago
UPST May Be On Its Last Leg
▲ 1 💬 0 ⚡ 0.5
r/wallstreetbets Neutral 5d 5h ago
I went all in on UPST last december
▲ 1 💬 0 ⚡ 0.5
r/wallstreetbets Bearish 8d 8h ago
The ugly truth about UPST: Bias "AI", insider dumping, and a class-action lawsuit.
▲ 1 💬 0 ⚡ 0.5
r/wallstreetbets Neutral 8d 8h ago
The ugly truth about UPST
▲ 1 💬 0 ⚡ 0.5
r/wallstreetbets Bullish 9d 8h ago
The Even More Bear Case for UPST
▲ 1 💬 0 ⚡ 0.5
r/wallstreetbets Bullish 10d 2h ago
UPST Is Not What You Think It Is
▲ 1 💬 0 ⚡ 0.5
r/stocks Neutral 10d 2h ago
Why UPST is a Short Opportunity and may see $0.
▲ 1 💬 0 ⚡ 0.5
r/wallstreetbets Bullish 10d 2h ago
Why UPST is a Short Opportunity and may see $0.
▲ 1 💬 0 ⚡ 0.5
r/wallstreetbets Bearish 21d 13h ago
UPST Bear Case: Buyback Theater, Insider Selling, Margin Pressure, and AI Lending Risk
▲ 1 💬 0 ⚡ 0.5
r/wallstreetbets Bearish 21d 13h ago
UPST Bear Case: Buyback Theater, Insider Selling, Margin Pressure, and AI Lending Risk
▲ 1 💬 0 ⚡ 0.5
r/wallstreetbets Bearish 21d 13h ago
UPST Bear Case: Buyback Theater, Insider Selling, Margin Pressure, and AI Lending Risk
▲ 1 💬 0 ⚡ 0.5
r/wallstreetbets Bullish 23d 17h ago
UPST could double in a few weeks
▲ 1 💬 1 ⚡ 0.5
Jun 11, 2026
short_volume
Short Volume: UPST — 59.8% short (0.9M / 1.6M)
Short: 940,230 | Exempt: 1,797 | TRF Vol: 1,570,995 | Short Ratio: 59.8% | Off-exchange volume (dark pool + OTC)
Jun 10, 2026
short_volume
Short Volume: UPST — 56.9% short (0.6M / 1.0M)
Short: 579,931 | Exempt: 370 | TRF Vol: 1,019,485 | Short Ratio: 56.9% | Off-exchange volume (dark pool + OTC)
Jun 2, 2026
short_volume
Short Volume: UPST — 62.7% short (1.2M / 1.9M)
Short: 1,167,974 | Exempt: 14,593 | TRF Vol: 1,861,906 | Short Ratio: 62.7% | Off-exchange volume (dark pool + OTC)
May 21, 2026
short_volume
Short Volume: UPST — 55.8% short (0.8M / 1.5M)
Short: 837,016 | Exempt: 100 | TRF Vol: 1,498,967 | Short Ratio: 55.8% | Off-exchange volume (dark pool + OTC)
May 18, 2026
short_volume
Short Volume: UPST — 62.3% short (1.4M / 2.2M)
Short: 1,363,923 | Exempt: 1,132 | TRF Vol: 2,188,809 | Short Ratio: 62.3% | Off-exchange volume (dark pool + OTC)
May 15, 2026
short_volume
Short Volume: UPST — 60.8% short (1.3M / 2.1M)
Short: 1,282,101 | Exempt: 6,800 | TRF Vol: 2,109,990 | Short Ratio: 60.8% | Off-exchange volume (dark pool + OTC)
May 13, 2026
short_volume
Short Volume: UPST — 68.3% short (1.3M / 1.9M)
Short: 1,297,563 | Exempt: 23,148 | TRF Vol: 1,899,856 | Short Ratio: 68.3% | Off-exchange volume (dark pool + OTC)
May 8, 2026
short_interest
FTD: UPST — 253,494 shares ($7.4M) failed to deliver
Settlement: 20260508, Price: $29.00, FTD Value: $7,351,326, UPSTART HLDGS INC COM
May 6, 2026
short_interest
FTD: UPST — 300,323 shares ($9.4M) failed to deliver
Settlement: 20260506, Price: $31.17, FTD Value: $9,361,067.91, UPSTART HLDGS INC COM
May 5, 2026
earnings_calendar
UPST Q1 2026 Earnings Scheduled — 2026-05-05
May 5, 2026
short_volume
Short Volume: UPST — 67.6% short (1.9M / 2.8M)
Short: 1,869,725 | Exempt: 1,857 | TRF Vol: 2,764,023 | Short Ratio: 67.6% | Off-exchange volume (dark pool + OTC)
May 4, 2026
short_interest
FTD: UPST — 16,640 shares ($0.5M) failed to deliver
Settlement: 20260504, Price: $32.74, FTD Value: $544,793.6, UPSTART HLDGS INC COM
May 1, 2026
short_volume
Short Volume: UPST — 55.6% short (0.9M / 1.5M)
Short: 859,089 | Exempt: 4,052 | TRF Vol: 1,545,789 | Short Ratio: 55.6% | Off-exchange volume (dark pool + OTC)
Apr 30, 2026
short_volume
Short Volume: UPST — 57.5% short (1.1M / 1.9M)
Short: 1,078,839 | Exempt: 4,446 | TRF Vol: 1,874,690 | Short Ratio: 57.5% | Off-exchange volume (dark pool + OTC)
Apr 30, 2026
short_interest
FTD: UPST — 115,028 shares ($3.5M) failed to deliver
Settlement: 20260430, Price: $30.48, FTD Value: $3,506,053.44, UPSTART HLDGS INC COM