Upstart Holdings, Inc.

UPST

Upstart Holdings, Inc.

UPST

Insider Sentiment (TTM):

Last Purchase:2026-05-13Last Sale:2026-06-09Shares Purchased (TTM):320,240Shares Sold (TTM):220,347

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:55,659,885Shares Outstanding:96,901,974Institutional Ownership Pct.:57.44%

Earnings Market Reaction:

Filing Date:2026-05-05Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Cash	-	-	-	-	-	-	445	375	301	368	517	444
Property Plant And Equipment Net	48	44	44	44	42	39	38	40	41	43	48	47
Operating Lease Right Of Use Asset	14	16	35	38	41	43	46	49	52	55	77	80
Notes Receivable Fair Value Disclosure	105	-	-	-	-	-	-	-	-	-	-	-
Equity Securities Without Readily Determinable Fai…	41	41	41	41	41	41	41	41	41	41	41	41
Goodwill	67	67	67	67	67	67	67	67	67	67	67	67
Other Assets	155	255	335	300	234	160	173	144	145	146	144	152
Assets	2,962	2,975	2,905	2,478	2,296	2,367	1,809	1,820	1,928	2,017	2,002	1,764
Liabilities And Stockhold…
Liabilities
Accounts Payable Current And Noncurrent	-	-	-	-	-	-	-	-	-	13	7	7
Debt Longterm And Shortterm Combined Amount	1,922	1,829	1,856	1,428	1,335	1,402	887	913	1,005	1,040	1,003	931
Accrued Liabilities And Other Liabilities	125	171	116	127	79	134	112	77	62	84	52	48
Operating Lease Liability	18	21	41	44	47	50	53	56	59	62	93	96
Stockholders Equity
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	1,097	1,156	1,120	1,130	1,090	1,044	1,004	996	960	918	881	838
Retained Earnings Accumulated Deficit	-364	-358	-376	-408	-414	-411	-408	-402	-347	-283	-240	-200
Liabilities And Stockholders Equity	2,962	2,975	2,905	2,478	2,296	2,367	1,809	1,820	1,928	2,017	2,002	1,764
Variable Interest Entity Primary Beneficiary	2	1	1	-0	0	1	2	-1	1	2	-1	-12
Other Assets Fair Value Disclosure	46	139	229	195	131	51	71	51	46	49	43	48
Common Stock Par Or Stated Value Per Share	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	700	700	700	700	700	700	700	700	700	700	700	700
Common Stock Shares Issued	96	98	97	96	95	93	91	89	88	86	85	84
Shares Outstanding	96	98	97	96	95	93	91	89	88	86	85	84
Variable Interest Entity …
Assets
Cash And Cash Equivalents At Carrying Value	473	652	490	396	600	788	-	-	-	368	-	-
Restricted Cash	458	405	347	306	240	188	210	186	139	99	98	66
Notes Receivable Net	1,014	985	1,230	1,020	815	806	656	821	1,081	1,156	972	838
Liabilities	2,229	2,176	2,161	1,756	1,620	1,734	1,213	1,226	1,315	1,382	1,361	1,126
Stockholders Equity	733	799	744	722	677	633	596	595	613	635	641	638

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10‑Q10‑K

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Interactive Financial Visualizations

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	8.41%	7.99%	-	-	-	-	-	-	-	-	-	-
2025	-8.23%	23.40%	62.51%	-11.30%	-30.59%	-36.23%	-2.77%	2.66%	-2.05%	-28.70%	-34.34%	-15.97%
2024	6.97%	2.08%	12.98%	27.63%	22.67%	51.89%	-2.73%	-16.07%	-16.74%	-34.86%	-57.78%	-39.24%
2023	55.88%	88.77%	243.60%	-3.17%	-16.13%	-32.32%	51.40%	91.11%	52.57%	0.85%	-9.04%	-10.92%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	0.41	0.45	0.23	-0.72	-1.96	-4.46	-6.51	-5.78	-4.99	-7.35	-10.55	-14.84
Per Share Metrics
Diluted EPS TTM	0.51	0.50	0.29	-0.06	-0.70	-1.44	-1.87	-2.28	-2.02	-2.87	-3.00	-3.23
Free Cash Flow Per Share TTM	-2.79	-1.54	-3.80	-0.69	1.36	2.07	1.67	-1.54	0.08	-1.35	-2.63	-2.61
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	103.07%	103.03%	103.21%	103.88%	105.09%	106.35%	110.35%	110.39%	108.70%	108.18%	104.87%	103.58%
Operating Profit Margin TTM	3.48%	4.08%	1.96%	-5.85%	-15.22%	-27.16%	-41.18%	-42.17%	-36.66%	-49.95%	-51.40%	-53.07%
Net Profit Margin TTM	4.34%	5.13%	3.33%	-0.75%	-9.20%	-20.20%	-32.13%	-39.71%	-33.47%	-46.76%	-48.61%	-50.65%
Growth Metrics
Net Revenue Growth (1Y)	57.69%	63.99%	84.65%	67.62%	37.75%	23.94%	0.59%	-4.29%	-18.80%	-39.04%	-49.93%	-52.20%
Net Income Growth (1Y)	-174.37%	-141.69%	-119.15%	-96.85%	-62.14%	-46.45%	-33.51%	-24.96%	-35.16%	120.98%	-4,665.08%	-395.90%
EPS Growth (1Y)	-172.35%	-138.83%	-117.85%	-97.09%	-65.05%	-49.86%	-37.72%	-29.46%	-38.97%	118.36%	-4,517.28%	-398.40%
Valuation Metrics
P/E TTM	50.31	78.35	152.48	-972.56	-65.32	-42.83	-21.43	-10.34	-13.34	-14.25	-9.52	-11.07
P/B TTM	3.39	5.26	6.60	8.56	6.41	8.70	6.05	3.51	3.82	5.39	3.76	4.66
P/S TTM	2.18	4.02	5.08	7.25	6.01	8.65	6.89	4.11	4.46	6.66	4.63	5.61
Market Cap	2.49B	4.20B	4.91B	6.18B	4.34B	5.51B	3.61B	2.09B	2.34B	3.42B	2.41B	2.98B
Enterprise Value	1.55B	3.55B	4.07B	5.48B	3.74B	4.72B	2.95B	1.53B	1.90B	2.95B	1.79B	2.47B
Calculated Values
Free Cash Flow TTM	-270.63M	-148.07M	-367.39M	-65.47M	128.36M	185.49M	150.58M	-136.49M	7.25M	-113.24M	-222.01M	-217.04M
Net Debt	-931.33M	-652.39M	-836.91M	-701.46M	-599.78M	-788.42M	-655.77M	-560.62M	-439.15M	-467.79M	-615.03M	-509.89M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-09Sale

Owner: Datta, Sanjay

Title: President, Capital& Enterprise

Shares: 15,000

Price/Share: $30.41

Value: $456,150.00

Shares Owned: 313,556

Relationship: Officer

Ownership: Direct

2026-05-26Sale

Owner: Mirgorodskaya, Natalia

Title: See Remarks

Shares: 974

Price/Share: $28.99

Value: $28,236.26

Shares Owned: 37,374

Relationship: Officer

Ownership: Direct

2026-05-20Sale

Owner: Datta, Sanjay

Title: President, Capital& Enterprise

Shares: 7,985

Price/Share: $28.77

Value: $229,728.45

Shares Owned: 328,556

Relationship: Officer

Ownership: Direct

2026-05-20Sale

Owner: Darling, Scott

Title: Chief Legal Officer

Shares: 6,634

Price/Share: $28.78

Value: $190,926.52

Shares Owned: 88,728

Relationship: Officer

Ownership: Direct

2026-05-20Sale

Owner: Mirgorodskaya, Natalia

Title: See Remarks

Shares: 526

Price/Share: $28.77

Value: $15,133.02

Shares Owned: 38,348

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-09	Datta, Sanjay	Officer	President, Capital& Enterprise	Direct	Sale	15,000	30.41	$456,150.00	313,556	4
2026-05-26	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	974	28.99	$28,236.26	37,374	4
2026-05-20	Datta, Sanjay	Officer	President, Capital& Enterprise	Direct	Sale	7,985	28.77	$229,728.45	328,556	4
2026-05-20	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	6,634	28.78	$190,926.52	88,728	4
2026-05-20	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	526	28.77	$15,133.02	38,348	4
2026-05-15	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	727	29.42	$21,388.34	102,609	4
2026-05-15	Blankmeyer, Andrea	Officer	Chief Financial Officer	Direct	Sale	7,044	29.85	$210,263.40	162,383	4
2026-05-15	Datta, Sanjay	Officer	President, Capital& Enterprise	Direct	Sale	1,817	29.50	$53,601.50	336,541	4
2026-05-13	Gu, Paul	Director,Officer	Chief Executive Officer	Indirect	Purchase	50,000	27.50	$1,375,000.00	70,000	4
2026-05-07	Girouard, Dave	Director,TenPercentOwner	-	Indirect	Purchase	170,240	29.56	$5,032,294.40	8,512,941	4
2026-03-02	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	390	26.02	$10,147.80	34,274	4
2026-02-25	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	866	28.79	$24,932.14	25,289	4
2026-02-20	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	633	29.90	$18,926.70	26,155	4
2026-02-20	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	6,478	29.85	$193,368.30	86,120	4
2026-02-20	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	7,982	29.86	$238,342.52	276,688	4
2026-01-05	Darling, Scott	Officer	Chief Legal Officer	Indirect	Sale	1,000	50.00	$50,000.00	17,435	4
2025-12-12	Darling, Scott	Officer	Chief Legal Officer	Indirect	Sale	7,392	50.00	$369,600.00	17,435	4
2025-12-12	Cooper, Kerry Whorton	Director	-	Indirect	Sale	1,500	50.00	$75,000.00	23,934	4
2025-11-25	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	762	38.91	$29,649.42	26,398	4
2025-11-20	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	13,624	36.76	$500,818.24	284,280	4
2025-11-20	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	7,723	36.79	$284,129.17	97,990	4
2025-11-20	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	821	36.76	$30,179.96	27,160	4
2025-11-11	Gu, Paul	Director,Officer	Chief Technology Offier	Indirect	Purchase	100,000	39.22	$3,922,000.00	80,000	4
2025-10-24	Darling, Scott	Officer	Chief Legal Officer	Indirect	Sale	1,000	55.01	$55,010.00	123,148	4
2025-10-01	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	1,000	54.64	$54,640.00	123,898	4
2025-09-17	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	1,000	70.01	$70,010.00	123,898	4
2025-09-15	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	41,667	65.12	$2,713,355.04	52,614	4
2025-09-03	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	4,000	69.41	$277,640.00	123,898	4
2025-09-02	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	1,439	69.21	$99,593.19	21,081	4
2025-09-02	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	5,000	68.63	$343,150.00	1,147,156	4
2025-09-02	Cooper, Kerry Whorton	Director	-	Indirect	Sale	500	69.21	$34,605.00	25,434	4
2025-08-25	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	1,024	68.00	$69,632.00	22,520	4
2025-08-25	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	6,402	68.00	$435,336.00	123,898	4
2025-08-20	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	6,853	62.08	$425,434.24	130,300	4
2025-08-20	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	13,473	61.12	$823,469.76	297,904	4
2025-08-20	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	1,079	61.12	$65,948.48	23,544	4
2025-08-15	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	41,667	63.57	$2,648,771.19	52,614	4
2025-08-01	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	365	77.97	$28,459.05	24,623	4
2025-08-01	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	4,000	78.96	$315,840.00	137,014	4
2025-07-15	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	41,667	75.24	$3,135,025.08	52,614	4
2025-07-08	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	5,000	80.04	$400,200.00	137,014	4
2025-07-08	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	4,000	80.07	$320,280.00	24,623	4
2025-07-02	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	5,000	70.04	$350,200.00	137,014	4
2025-07-02	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	6,533	70.06	$457,701.98	24,623	4
2025-06-20	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	41,667	60.05	$2,502,103.35	52,614	4
2025-06-11	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	41,667	60.11	$2,504,603.37	52,614	4
2025-06-11	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	3,000	60.00	$180,000.00	137,014	4
2025-06-03	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	7,383	50.01	$369,223.83	137,014	4
2025-06-02	Cooper, Kerry Whorton	Director	-	Indirect	Sale	500	46.92	$23,460.00	25,934	4
2025-05-23	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	1,340	44.19	$59,214.60	24,623	4
2025-05-20	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	764	46.96	$35,877.44	25,963	4
2025-05-20	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	13,512	46.97	$634,658.64	311,356	4
2025-05-20	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	6,732	46.98	$316,269.36	143,397	4
2025-05-01	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	1,000	50.16	$50,160.00	150,129	4
2025-03-03	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	2,000	67.89	$135,780.00	150,129	4
2025-03-03	Cooper, Kerry Whorton	Director	-	Indirect	Sale	500	68.09	$34,045.00	18,156	4
2025-02-25	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	1,309	69.00	$90,321.00	19,757	4
2025-02-20	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	12,007	79.28	$951,914.96	1,006,599	4
2025-02-20	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	794	79.26	$62,932.44	21,985	4
2025-02-20	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	4,524	79.29	$358,707.96	52,614	4
2025-02-20	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	4,794	79.31	$380,212.14	143,406	4
2025-02-20	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	16,070	79.30	$1,274,351.00	295,537	4
2025-02-18	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	41,667	84.66	$3,527,528.22	57,138	4
2025-01-15	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	41,667	62.81	$2,617,104.27	57,138	4
2024-12-16	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	41,667	83.30	$3,470,861.10	57,138	4
2024-12-06	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	40,226	75.78	$3,048,326.28	863,065	4
2024-12-02	Cooper, Kerry Whorton	Director	-	Indirect	Sale	500	74.59	$37,295.00	17,961	4
2024-12-02	Singh, Cassidy Sukhinder	Director	-	Direct	Sale	14,992	72.20	$1,082,422.40	8,278	4
2024-12-02	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	87,600	70.44	$6,170,544.00	863,065	4
2024-11-25	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	58,786	76.45	$4,494,189.70	863,065	4
2024-11-25	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	1,411	77.37	$109,169.07	18,596	4
2024-11-25	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	3,000	76.43	$229,290.00	147,781	4
2024-11-21	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	21,214	75.03	$1,591,686.42	863,065	4
2024-11-20	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	4,374	70.00	$306,180.00	57,138	4
2024-11-20	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	6,390	70.05	$447,619.50	150,781	4
2024-11-20	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	18,619	70.04	$1,304,074.76	310,974	4
2024-11-20	Mirgorodskaya, Natalia	Officer	See Remarks	Direct	Sale	1,511	70.06	$105,860.66	20,007	4
2024-11-18	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,500	68.56	$102,840.00	329,593	4
2024-11-15	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	65,000	67.41	$4,381,650.00	878,565	4
2024-11-15	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	41,667	65.99	$2,749,605.33	61,512	4
2024-11-11	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,500	79.54	$119,310.00	331,093	4
2024-11-08	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	41,667	65.15	$2,714,605.05	61,512	4
2024-11-04	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,500	48.66	$72,990.00	332,593	4
2024-11-01	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	10,891	48.58	$529,084.78	157,171	4
2024-10-28	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,500	51.70	$77,550.00	334,093	4
2024-10-21	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,500	53.81	$80,715.00	335,593	4
2024-10-14	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,500	48.68	$73,020.00	337,093	4
2024-10-14	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	84,000	50.02	$4,201,680.00	152,043	4
2024-10-14	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	3,000	50.00	$150,000.00	21,518	4
2024-10-14	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	20,000	50.26	$1,005,200.00	878,565	4
2024-10-07	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,500	41.29	$61,935.00	338,593	4
2024-10-04	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	1,300	40.01	$52,013.00	161,043	4
2024-10-04	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	8,800	40.10	$352,880.00	878,565	4
2024-10-01	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	6,200	39.53	$245,086.00	161,043	4
2024-10-01	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	36,200	39.50	$1,429,900.00	878,565	4
2024-09-30	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	959	40.32	$38,666.88	21,518	4
2024-09-30	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,500	40.32	$60,480.00	340,093	4
2024-09-23	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,500	40.00	$60,000.00	341,593	4
2024-09-16	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,500	34.42	$51,630.00	343,093	4
2024-09-09	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,500	34.85	$52,275.00	344,593	4
2024-09-03	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	5,000	41.26	$206,300.00	22,477	4
2024-09-03	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	11,327	41.28	$467,578.56	161,043	4
2024-09-03	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,500	41.77	$62,655.00	346,093	4
2024-09-03	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	45,000	40.48	$1,821,600.00	878,565	4
2024-08-29	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	2,000	45.00	$90,000.00	22,477	4
2024-08-29	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	39,000	45.00	$1,755,000.00	164,870	4
2024-08-26	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,500	42.44	$63,660.00	347,593	4
2024-08-23	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	2,080	40.02	$83,241.60	22,477	4
2024-08-23	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	3,000	40.00	$120,000.00	173,870	4
2024-08-20	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	1,264	38.36	$48,487.04	24,557	4
2024-08-20	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	7,190	39.15	$281,488.50	176,870	4
2024-08-20	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	3,361	38.35	$128,894.35	61,512	4
2024-08-20	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	19,305	38.62	$745,559.10	349,093	4
2024-08-20	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	16,064	38.62	$620,391.68	878,565	4
2024-08-15	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	35,000	37.38	$1,308,300.00	894,629	4
2024-08-12	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,500	35.39	$53,085.00	369,898	4
2024-08-07	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	12,000	35.00	$420,000.00	192,493	4
2024-08-07	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	2,500	35.00	$87,500.00	25,821	4
2024-08-05	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	20.98	$20,980.00	371,398	4
2024-07-29	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	26.31	$26,310.00	372,398	4
2024-07-22	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	28.15	$28,150.00	373,398	4
2024-07-15	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	10,000	30.05	$300,500.00	894,629	4
2024-07-15	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	27.80	$27,800.00	374,398	4
2024-07-11	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	10,000	25.88	$258,800.00	894,629	4
2024-07-08	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	23.41	$23,410.00	375,398	4
2024-07-01	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	5,000	23.52	$117,600.00	894,629	4
2024-07-01	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	23.63	$23,630.00	376,398	4
2024-06-24	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	21.68	$21,680.00	377,398	4
2024-06-17	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	22.22	$22,220.00	378,398	4
2024-06-10	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	24.00	$24,000.00	379,398	4
2024-06-03	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	3,000	25.44	$76,320.00	196,993	4
2024-06-03	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	15,000	25.20	$378,000.00	894,629	4
2024-06-03	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	25.49	$25,490.00	380,398	4
2024-05-28	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	23.71	$23,710.00	381,398	4
2024-05-23	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	2,156	24.27	$52,326.12	25,821	4
2024-05-20	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	4,383	25.62	$112,292.46	199,993	4
2024-05-20	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	15,131	25.61	$387,504.91	894,629	4
2024-05-20	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	18,138	25.61	$464,514.18	382,398	4
2024-05-20	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	1,188	25.61	$30,424.68	27,977	4
2024-05-20	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	2,997	25.62	$76,783.14	64,873	4
2024-05-15	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	80,000	29.52	$2,361,600.00	893,596	4
2024-04-01	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	60,000	26.31	$1,578,600.00	893,596	4
2024-03-11	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	27.50	$27,500.00	400,536	4
2024-03-04	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	26.21	$26,210.00	401,536	4
2024-03-01	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	30,000	25.90	$777,000.00	893,596	4
2024-03-01	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	2,500	25.48	$63,700.00	29,165	4
2024-02-26	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	1,000	25.42	$25,420.00	173,775	4
2024-02-26	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	24.13	$24,130.00	341,335	4
2024-02-23	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	1,919	24.30	$46,631.70	28,246	4
2024-02-21	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	536	24.52	$13,142.72	174,775	4
2024-02-20	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	1,423	25.29	$35,987.67	30,165	4
2024-02-20	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	12,510	25.32	$316,753.20	342,335	4
2024-02-20	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	16,423	25.28	$415,173.44	832,395	4
2024-02-20	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	4,158	25.29	$105,155.82	67,870	4
2024-02-15	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	30,000	26.50	$795,000.00	848,818	4
2024-02-12	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	33.84	$33,840.00	354,090	4
2024-02-05	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	31.70	$31,700.00	355,090	4
2024-01-29	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	1,298	35.38	$45,923.24	169,527	4
2024-01-29	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	32.62	$32,620.00	356,090	4
2024-01-25	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	60	35.06	$2,103.60	170,437	4
2024-01-22	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	33.71	$33,710.00	357,090	4
2024-01-16	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	31.04	$31,040.00	358,090	4
2024-01-08	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	34.14	$34,140.00	359,090	4
2024-01-02	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	39.62	$39,620.00	360,090	4
2024-01-02	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	60,000	39.84	$2,390,400.00	848,063	4
2023-12-27	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	672	46.23	$31,066.56	172,527	4
2023-12-26	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	2,043	45.18	$92,302.74	172,527	4
2023-12-26	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	44.55	$44,550.00	361,090	4
2023-12-18	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	43.99	$43,990.00	362,090	4
2023-12-13	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	10,000	40.03	$400,300.00	848,063	4
2023-12-11	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	37.76	$37,760.00	363,090	4
2023-12-08	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	594	36.40	$21,621.60	175,527	4
2023-12-06	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	4,206	36.09	$151,794.54	175,527	4
2023-12-06	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	10,000	35.04	$350,400.00	848,063	4
2023-12-04	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	31.51	$31,510.00	364,090	4
2023-12-01	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	40,000	28.13	$1,125,200.00	848,063	4
2023-11-28	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	800	25.30	$20,240.00	175,527	4
2023-11-27	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	23.80	$23,800.00	365,090	4
2023-11-24	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	2,444	23.25	$56,823.00	30,833	4
2023-11-21	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	6,061	24.03	$145,645.83	176,527	4
2023-11-21	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	1,437	23.99	$34,473.63	33,277	4
2023-11-21	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	19,513	23.99	$468,116.87	848,063	4
2023-11-21	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	4,265	24.01	$102,402.65	72,028	4
2023-11-21	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	21,674	24.01	$520,392.74	366,090	4
2023-11-15	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	15,000	25.01	$375,150.00	867,576	4
2023-11-13	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	20.57	$20,570.00	388,764	4
2023-11-06	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	31.00	$31,000.00	389,764	4
2023-11-02	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	480	26.66	$12,796.80	182,588	4
2023-10-30	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	23.73	$23,730.00	390,764	4
2023-10-24	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	520	25.37	$13,192.40	183,068	4
2023-10-23	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	23.97	$23,970.00	391,764	4
2023-10-16	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	27.35	$27,350.00	392,764	4
2023-10-10	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	5,000	30.05	$150,250.00	867,576	4
2023-10-09	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	26.73	$26,730.00	393,764	4
2023-10-02	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	15,000	28.50	$427,500.00	867,576	4
2023-10-02	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	28.74	$28,740.00	394,764	4
2023-09-25	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	26.00	$26,000.00	395,764	4
2023-09-25	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	1,000	26.58	$26,580.00	183,588	4
2023-09-18	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	29.50	$29,500.00	396,764	4
2023-09-11	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	31.09	$31,090.00	397,764	4
2023-09-06	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	5,000	35.02	$175,100.00	867,576	4
2023-09-06	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	200	35.08	$7,016.00	184,588	4
2023-09-05	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	1,000	32.53	$32,530.00	398,764	4
2023-09-01	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	20,000	32.33	$646,600.00	867,576	4
2023-08-30	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	5,604	32.16	$180,224.64	34,714	4
2023-08-28	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	1,670	30.20	$50,434.00	184,588	4
2023-08-24	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	1,421	33.00	$46,893.00	37,318	4
2023-08-22	Girouard, Dave	Director,Officer,TenPercentOwner	Chief Executive Officer	Direct	Sale	3,620	32.92	$119,170.40	76,293	4
2023-08-22	Gu, Paul	Director,Officer	Chief Technology Offier	Direct	Sale	18,003	32.86	$591,578.58	867,576	4
2023-08-22	Datta, Sanjay	Officer	Chief Financial Officer	Direct	Sale	20,013	32.88	$658,027.44	399,764	4
2023-08-22	Darling, Scott	Officer	Chief Legal Officer	Direct	Sale	4,211	32.88	$138,457.68	186,258	4
2023-07-19	Mirgorodskaya, Natalia	Officer	Corporate Controller	Direct	Sale	2,000	60.00	$120,000.00	39,470	4
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Institutional Ownership

No data available for chart

2026-03-31

57.44%

Inst. Shares: 55,659,885

Shares Outstanding: 96,901,974

2025-12-31

65.40%

Inst. Shares: 62,801,430

Shares Outstanding: 96,030,558

2025-09-30

64.28%

Inst. Shares: 62,149,050

Shares Outstanding: 96,682,774

2025-06-30

63.00%

Inst. Shares: 60,182,995

Shares Outstanding: 95,526,364

2025-03-31

61.34%

Inst. Shares: 57,831,485

Shares Outstanding: 94,274,538

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	55,659,885	96,901,974	57.44%
2025-12-31	62,801,430	96,030,558	65.40%
2025-09-30	62,149,050	96,682,774	64.28%
2025-06-30	60,182,995	95,526,364	63.00%
2025-03-31	57,831,485	94,274,538	61.34%
2024-12-31	57,368,409	89,450,038	64.13%
2024-09-30	47,418,486	90,119,481	52.62%
2024-06-30	38,222,809	88,435,893	43.22%
2024-03-31	36,477,846	87,030,695	41.91%
2023-12-31	40,571,914	83,765,896	48.43%
2023-09-30	36,692,052	84,404,966	43.47%
2023-06-30	34,836,977	83,130,638	41.91%
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Upstart Holdings, Inc. (UPST) — SEC Financial Statements & Analysis

Upstart Holdings, Inc. (UPST) is a finance services company, incorporated in DE. Upstart Holdings, Inc. trades on UPST: Nasdaq as: UPST. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), Upstart Holdings, Inc. reported a 57.69% year-over-year revenue growth, a Gross Profit Margin of 103.07% (TTM), a Price-to-Sales (P/S) ratio of 2.18x (TTM), a Price-to-Book (P/B) ratio of 3.39 (TTM), at a market cap of $2.49B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 57.69%
Gross Profit Margin TTM: 103.07%
P/S TTM: 2.18x
P/B TTM: 3.39
Market Cap: $2.49B

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Upstart Holdings, Inc. in?

Upstart Holdings, Inc. (UPST) operates in the Finance Services industry.

What is UPST's market cap?

Upstart Holdings, Inc. (UPST) has a market capitalization of $2.49B as of 2026-03-31.

What is UPST's P/E ratio?

Upstart Holdings, Inc. (UPST)'s trailing twelve month P/E ratio is 50.31x as of 2026-03-31.

What exchange does UPST trade on?

Upstart Holdings, Inc. (UPST) trades on the UPST: Nasdaq.

Where is Upstart Holdings, Inc. incorporated?

Upstart Holdings, Inc. is incorporated in DE.