XOOMAR

Upstart Holdings, Inc. (UPST)

Every FINRA and SEC series the site collects for Upstart Holdings, Inc.: short interest with days to cover, daily short sale volume, fails to deliver and Form 4 insider trades. Listed on Nasdaq, classified by the SEC as finance services.

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24.8M

Short interest

settlement 2026-08-14

4.7

Days to cover

-1.8% vs prior

53.7%

Short share of volume

2026-09-11

18,400

Fails to deliver

settlement 2026-08-12

-$1.2M

Insider flow, 90 days

0 buys, 9 sells

As of 2026-09-11.

Short interest

FINRA, twice a month; the last 12 months shown, all 48 settlements in the JSON

As of 14 August 2026, short interest in UPST is 24,779,256 shares, down 1,397,726 shares over the last month. Over the last 48 readings it ranged from 16,724,984 shares (28 February 2025) to 29,590,889 shares (31 October 2025). At the reported average volume of 5.3M shares a day that is 4.7 days to cover.

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SettlementShares shortChangeAvg daily volumeDays to cover
2026-08-1424,779,256-1.8%5,333,1964.65
2026-07-3125,223,623-3.6%3,449,0707.31
2026-07-1526,176,982+1.3%3,672,3057.13
2026-06-3025,838,509-3.7%4,635,3595.57
2026-06-1526,825,714-3.0%4,675,8715.74
2026-05-2927,642,739+3.6%4,784,6185.78
2026-05-1526,674,083-1.1%5,322,6725.01
2026-04-3026,979,293-3.2%4,176,8706.46
2026-04-1527,872,978+0.8%4,213,1346.62
2026-03-3127,640,735-0.5%4,880,4335.66
2026-03-1327,767,282+11.5%5,375,5865.17
2026-02-2724,910,913+5.8%5,268,1314.73
2026-02-1323,542,832+3.1%7,329,7003.21
2026-01-3022,841,180+0.9%3,033,2217.53
2026-01-1522,640,954-15.1%4,610,9544.91
2025-12-3126,676,885+16.1%4,578,8125.83
2025-12-1522,975,403-2.7%4,149,3745.54
2025-11-2823,623,685-6.4%5,343,7164.42
2025-11-1425,236,882-14.7%8,783,3012.87
2025-10-3129,590,889+3.2%6,173,7444.79
2025-10-1528,675,988+12.8%6,949,9504.13
2025-09-3025,429,938+16.0%8,652,3832.94
2025-09-1521,928,168+3.9%6,771,3123.24
2025-08-2921,098,496-6.0%5,921,6653.56

Daily short volume

FINRA Reg SHO, last 60 sessions. JSON

As of 11 September 2026, the short share of UPST volume is 53.7%, up 16.4 points over the last five sessions. Over the last 52 readings it ranged from 37.4% (3 September 2026) to 62.8% (22 July 2026). The latest reading is 5.1 points above the 30-session average of 48.6%, on 1.2M shares reported.

DateShort volumeTotal volumeShort shareExempt
2026-09-11619K1.2M53.7%0
2026-09-10934K1.6M59.3%9,368
2026-09-091.2M1.9M60.8%652
2026-09-08961K2.1M45.9%7,513
2026-09-04601K1.1M54.9%3,436
2026-09-03442K1.2M37.4%2,469
2026-09-02502K1.1M43.9%360
2026-09-011.2M2.0M58.8%809
2026-08-31773K1.4M56.2%13
2026-08-281.2M2.1M55.2%213
2026-08-27471K1.0M46.9%4,189
2026-08-26446K993K44.9%2,188
2026-08-25345K815K42.3%4,697
2026-08-24503K1.2M42.2%3,683
2026-08-21780K1.7M45.3%70
2026-08-201.7M3.2M54.4%2,505
2026-08-19925K2.1M43.4%13,213
2026-08-18655K1.4M46.6%5,015
2026-08-17731K1.6M45.4%449
2026-08-14618K1.3M47.2%74
2026-08-13853K1.8M46.6%1,450
2026-08-12770K1.9M41.5%21,585
2026-08-11627K1.4M45.1%8,167
2026-08-10674K1.6M41.7%8,770
2026-08-07750K1.6M46.6%2,852
2026-08-06936K2.1M43.6%10,923
2026-08-052.8M5.3M52.2%44,186
2026-08-041.6M2.6M61.6%2,067
2026-08-03886K1.8M48.6%21,328
2026-07-31550K1.2M46.2%2,504

Fails to deliver

SEC, by settlement date. JSON

As of 12 August 2026, the fails-to-deliver balance in UPST is 18,400 shares, up 14,295 shares over the last settlement date. Over the last 52 readings it ranged from 5 shares (6 August 2026) to 459,257 shares (31 March 2026). The latest reading sits at the bottom of that range.

SettlementShares failedPriceValue
2026-08-1218,400$29.89$550K
2026-08-104,105$31.09$128K
2026-08-065$30.20$151
2026-08-0552$30.32$2K
2026-08-0475,432$29.43$2.2M
2026-08-035,223$27.44$143K
2026-07-3150$27.04$1K
2026-07-273,769$26.93$101K
2026-07-23164$28.64$5K
2026-07-22114$29.27$3K
2026-07-2129$28.82$836
2026-07-20938$29.51$28K
2026-07-17224$30.88$7K
2026-07-167,398$31.59$234K
2026-07-1495$31.46$3K
2026-07-089,214$33.06$305K
2026-07-061,556$34.78$54K
2026-07-025,237$35.74$187K
2026-07-01152$35.43$5K
2026-06-30888$35.03$31K
2026-06-292,505$33.66$84K
2026-06-231,850$31.32$58K
2026-06-224,908$32.43$159K
2026-06-1894,600$30.46$2.9M
2026-06-17290$32.24$9K
2026-06-152,779$30.50$85K
2026-06-1239,345$31.79$1.3M
2026-06-1150$30.30$2K
2026-06-106,846$31.06$213K
2026-06-05812$32.27$26K

Insider trades

SEC Form 4, newest first, 50 of 100 shown. JSON

Insiders at UPST reported 9 open-market sells worth $1.2M in the last 90 days and no open-market buys. Sells alone are a weak signal; insiders sell for tax, diversification and estate reasons all the time. Latest filing: Mirgorodskaya Natalia (See Remarks) on 2026-08-25.

DateInsiderTitleTypeSharesPriceValueOwned after
2026-08-25Mirgorodskaya NataliaSee RemarksSell913$30.03$27K36K
2026-08-20Mirgorodskaya NataliaSee RemarksSell586$28.09$16K37K
2026-08-20Datta SanjayPresident, Capital&amp; EnterpriseSell9K$28.09$251K293K
2026-08-20Darling ScottChief Legal OfficerSell8K$28.09$216K73K
2026-08-19Datta SanjayPresident, Capital&amp; EnterpriseSell10K$31.46$315K302K
2026-08-19Blankmeyer AndreaChief Financial OfficerSell3K$29.33$88K152K
2026-08-17Datta SanjayPresident, Capital&amp; EnterpriseSell2K$29.36$60K312K
2026-08-17Darling ScottChief Legal OfficerSell814$29.36$24K87K
2026-08-17Blankmeyer AndreaChief Financial OfficerSell7K$29.36$211K155K
2026-06-09Datta SanjayPresident, Capital&amp; EnterpriseSell15K$30.41$456K314K
2026-05-29Wennes Timothy Hn/aGrant6K$0.00$06K
2026-05-29Terry Hilliard C. IIIn/aGrant6K$0.00$037K
2026-05-29O'Kelly Ciarann/aGrant6K$0.00$039K
2026-05-29Hentges Maryn/aGrant6K$0.00$037K
2026-05-29Cooper Kerry Whortonn/aGrant6K$0.00$06K
2026-05-29Bernard Peter Jn/aGrant6K$0.00$011K
2026-05-26Mirgorodskaya NataliaSee RemarksSell974$28.99$28K37K
2026-05-20Mirgorodskaya NataliaSee RemarksSell526$28.77$15K38K
2026-05-20Datta SanjayPresident, Capital&amp; EnterpriseSell8K$28.77$230K329K
2026-05-20Darling ScottChief Legal OfficerSell7K$28.78$191K89K
2026-05-15Mirgorodskaya NataliaSee RemarksOption exercise5K$1.35$6K39K
2026-05-15Datta SanjayPresident, Capital&amp; EnterpriseSell1K$30.03$30K337K
2026-05-15Datta SanjayPresident, Capital&amp; EnterpriseSell806$28.96$23K338K
2026-05-15Darling ScottChief Legal OfficerSell441$29.99$13K103K
2026-05-15Darling ScottChief Legal OfficerSell286$28.84$8K104K
2026-05-15Blankmeyer AndreaChief Financial OfficerSell101$30.54$3K162K
2026-05-15Blankmeyer AndreaChief Financial OfficerSell4K$30.05$126K162K
2026-05-15Blankmeyer AndreaChief Financial OfficerSell3K$28.96$80K167K
2026-05-13Gu PaulChief Executive OfficerBuy50K$27.50$1.4M70K
2026-05-07Girouard Daven/aOption exercise835K$0.83$693K9.3M
2026-05-07Girouard Daven/aBuy300$29.76$9K8.5M
2026-05-07Girouard Daven/aBuy170K$29.37$5.0M8.5M
2026-03-31Blankmeyer AndreaChief Financial OfficerGrant169K$0.00$0169K
2026-03-02Mirgorodskaya NataliaSee RemarksSell390$26.02$10K34K
2026-02-28Mirgorodskaya NataliaSee RemarksGrant9K$0.00$035K
2026-02-28Datta SanjaySee RemarksGrant62K$0.00$0338K
2026-02-28Darling ScottChief Legal OfficerGrant25K$0.00$0104K
2026-02-25Mirgorodskaya NataliaSee RemarksSell866$28.79$25K25K
2026-02-20Mirgorodskaya NataliaSee RemarksSell633$29.90$19K26K
2026-02-20Datta SanjayChief Financial OfficerSell8K$29.86$238K277K
2026-02-20Darling ScottChief Legal OfficerSell6K$29.85$193K86K
2026-01-22Darling ScottChief Legal OfficerOption exercise8K$13.22$100K25K
2026-01-12O'Kelly Ciarann/aGrant1K$0.00$033K
2026-01-12Cooper Kerry Whortonn/aGrant1K$0.00$025K
2026-01-12Bernard Peter Jn/aGrant834$0.00$05K
2026-01-05Darling ScottChief Legal OfficerOption exercise1K$13.22$13K94K
2025-12-12Darling ScottChief Legal OfficerOption exercise2K$13.22$26K95K
2025-12-12Cooper Kerry Whortonn/aSell2K$50.00$75K24K
2025-11-25Mirgorodskaya NataliaSee RemarksSell762$38.91$30K26K
2025-11-20Mirgorodskaya NataliaSee RemarksSell80$36.95$3K27K

Form 4 filings are due within two business days of the trade. Insiders sell for many reasons that say nothing about the company; open-market buys are the rarer, stronger signal.

Planned sales (Form 144)

Newest first. JSON

10 Form 144 notices on file for UPST worth $4.4M at the prices reported; 10 in the last 90 days worth $4.4M. Latest: Datta Sanjay filed on 2026-09-08 to sell 116,000 shares ($3.2M) from 2026-09-08.

FiledSellerSharesMarket valueOf outstandingSale fromBroker
2026-09-08Datta SanjayOfficer116K$3.2M0.119%2026-09-08Charles Schwab & Co., Inc.
2026-08-25Mirgorodskaya NataliaOfficer913$27K0.001%2026-08-25Charles Schwab & Co., Inc.
2026-08-20Mirgorodskaya NataliaOfficer586$16K0.001%2026-08-20Charles Schwab & Co., Inc.
2026-08-20Datta SanjayOfficer9K$251K0.009%2026-08-20Charles Schwab & Co., Inc.
2026-08-20Darling ScottOfficer8K$216K0.008%2026-08-20Charles Schwab & Co., Inc.
2026-08-19Datta SanjayOfficer10K$315K0.010%2026-08-19Charles Schwab & Co., Inc.
2026-08-19Blankmeyer AndreaOfficer3K$88K0.003%2026-08-19Charles Schwab & Co., Inc.
2026-08-17Datta SanjayOfficer2K$60K0.002%2026-08-17Charles Schwab & Co., Inc.
2026-08-17Darling ScottOfficer814$24K0.001%2026-08-17Charles Schwab & Co., Inc.
2026-08-17Blankmeyer AndreaOfficer7K$211K0.007%2026-08-17Charles Schwab & Co., Inc.

13F holders

Tracked managers holding UPST at their latest 13F. JSON

11 of the 30 tracked managers held UPST at their latest 13F, $378.9M in total at quarter-end prices. Citadel Advisors is the largest at $122.4M (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 4 added shares and 5 cut.

FundQuarterSharesValueOf portfolioChange in shares
Citadel Advisors2026-06-303.5M$122.4M0.01%-10.5M
D. E. Shaw & Co.2026-06-3049.9M$57.2M0.03%+7.5M
Point72 Asset Management2026-06-301.2M$41.9M0.05%+294K
D. E. Shaw & Co.2026-06-301.2M$40.9M0.02%-33.2M
Coatue Management2026-06-30871K$30.9M0.06%0
Millennium Management2026-06-30860K$30.5M0.01%-18.6M
D. E. Shaw & Co.2026-06-3034.4M$28.2M0.01%-15.5M
Millennium Management2026-06-3019.4M$16.0M0.01%new or n/a
Two Sigma Investments2026-06-305.5M$6.3M0.00%+500K
AQR Capital Management2026-06-30110K$3.9M0.00%+24K
Two Sigma Investments2026-06-3019K$673K0.00%-5.5M

Only the 30 tracked managers on the funds hub; a 13F reports long positions in US listed stock at quarter end, 45 days late, and says nothing about shorts or positions sold since.

Financials

SEC XBRL, as filed. JSON

In Q2 2026 (quarter ended 2026-06-30) Upstart Holdings, Inc. reported revenue of $364.7M, up 41.7% from the same quarter a year earlier, and net income of $16.5M (0.16 diluted EPS). In FY 2025 it generated -$147.7M of operating cash flow.

Cash
$456.0M
Equity
$797.5M
Total assets
$3.17B
Shares outstanding
97,313,046

Quarterly, last 8 quarters

QuarterPeriod endRevenueNet incomeMarginDiluted EPS
Q2 20262026-06-30$364.7M$16.5M4.5%0.16
Q1 20262026-03-31$308.2M-$6.6M-2.2%-0.07
Q4 2025derived2025-12-31$296.1Mn/an/an/a
Q3 20252025-09-30$277.1M$31.8M11.5%0.23
Q2 20252025-06-30$257.3M$5.6M2.2%0.05
Q1 20252025-03-31$213.4M-$2.4M-1.1%-0.03
Q4 2024derived2024-12-31$219.0Mn/an/an/a
Q3 20242024-09-30$162.1M-$6.8M-4.2%-0.07

Fiscal years, with buybacks and dividends

Fiscal yearEndsRevenueNet incomeOperating cash flowCapexBuybacksDividends
FY 20252025-12-31$1.04Bn/a-$147.7M$347Kn/an/a
FY 20242024-12-31$636.5Mn/a$186.3M$837K$0n/a
FY 20232023-12-31$513.6Mn/a-$111.7M$1.5M$0n/a
FY 20222022-12-31$907.3Mn/a-$657.9M$8.8M$177.9Mn/a
FY 20212021-12-31$801.3Mn/a$168.4M$8.4M$0n/a

Quarters are the three-month figures the company reports; a fourth quarter marked derived is the fiscal year less the three reported quarters, since companies report it only inside the 10-K. Fiscal years are the annual figures. Buybacks are cash paid to repurchase common stock in the year (XBRL PaymentsForRepurchaseOfCommonStock), not authorizations. Balance sheet lines are as of 2026-06-30; shares outstanding as of 2026-07-28 from the cover page.

What this page is

Upstart Holdings, Inc. in the regulatory record

Regulators publish company data in separate files that never sit next to each other: FINRA's twice-monthly short interest, its daily short sale volume, the SEC's fails-to-deliver counts, and each insider's Form 4. A company page pulls every series the site collects for one ticker onto one URL, keyed by the SEC's own ticker list, so the short position, the daily flow, the settlement fails and what insiders are doing can be read together.

Each section has its own history table, a summary sentence built from the rows (last value, change, range with dates) and its own JSON and CSV links. Nothing on the page is written by a model; the sentences change only when the data does. A page exists only for companies with data in at least two series, and every section says when its source last updated.

This page follows Upstart Holdings, Inc. (UPST), SEC CIK 1647639, listed on Nasdaq, classified by the SEC as finance services. The cross-market tables live on the short interest and insider transactions hubs.

Source and method

Short interest
FINRA consolidated short interestTwice a month, about eight business days after settlement. Latest 2026-08-14.JSON and CSV
Daily short volume
FINRA Reg SHO daily filesEvery trading day, loaded the following morning. Latest 2026-09-11.JSON and CSV
Fails to deliver
SEC fails-to-deliver dataTwice a month, a few weeks after the half month ends. Latest 2026-08-12.JSON and CSV
Planned sales
SEC EDGAR Form 144EDGAR read every 30 minutes; a notice is filed on or before the sell order. Latest 2026-09-08.JSON and CSV
13F holders
SEC EDGAR Form 13F-HRQuarterly, filed within 45 days of quarter end; 30 tracked managers. Latest 2026-06-30.JSON and CSV
Financials
SEC XBRL company factsRefreshed weekly from the SEC's structured data; values are as filed in the 10-Q and 10-K. Latest 2026-06-30.JSON and CSV
Insider trades
SEC EDGAR Form 4EDGAR read every 30 minutes; filings are due two business days after the trade. Latest 2026-08-25.JSON and CSV
Company record
EDGAR filing index for CIK 1647639Ticker, name and exchange from the SEC's company list, refreshed weekly.
Rate limits
30 requests a minute without a key, 120 a minute with a key from a free account.

Data checks. Every dataset is checked against its source once a day. This dataset passed the last run, 13 Sep 09:50 UTC.

How to read it

  • Read the position against the flow: rising short interest with a high daily short share is new shorting; rising short interest with a normal short share is old shorts holding on.
  • Insider buys next to a crowded short are the combination that has historically preceded squeezes; insider sells next to a crowded short are common and mean little.
  • Fails to deliver matter relative to the float, not in absolute shares; a million failed shares in a mega cap is noise.

Analysis of what the data shows, not advice. XOOMAR does not recommend buying, selling or holding anything.

Datasets

Frequently Asked Questions

How much of UPST is sold short?
24,779,256 shares were held short at the 2026-08-14 settlement, 4.7 days of average volume. FINRA publishes the next count about eight business days after the 15th and the last business day of the month.
What is UPST's daily short volume?
On 2026-09-11, 619,022 of the 1,152,320 UPST shares reported to FINRA were sold short, 53.7% of the day's reported volume. Short volume is a flow for one day, not a position.
Does UPST have fails to deliver?
The SEC's latest file shows 18,400 UPST shares failed to deliver at settlement 2026-08-12. Fails are reported per settlement date and published twice a month with a lag.
Are UPST insiders buying or selling?
Insiders at UPST reported 9 open-market sells worth $1.2M in the last 90 days and no open-market buys. Sells alone are a weak signal; insiders sell for tax, diversification and estate reasons all the time. Latest filing: Mirgorodskaya Natalia (See Remarks) on 2026-08-25.
Have UPST insiders filed to sell?
10 Form 144 notices on file for UPST worth $4.4M at the prices reported; 10 in the last 90 days worth $4.4M. Latest: Datta Sanjay filed on 2026-09-08 to sell 116,000 shares ($3.2M) from 2026-09-08.
What did UPST report last quarter?
In Q2 2026 (quarter ended 2026-06-30) Upstart Holdings, Inc. reported revenue of $364.7M, up 41.7% from the same quarter a year earlier, and net income of $16.5M (0.16 diluted EPS). In FY 2025 it generated -$147.7M of operating cash flow.
Which funds hold UPST?
11 of the 30 tracked managers held UPST at their latest 13F, $378.9M in total at quarter-end prices. Citadel Advisors is the largest at $122.4M (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 4 added shares and 5 cut.

Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.