Upstart Holdings (UPST)
Upstart Holdings on one page: short interest, daily short volume, fails to deliver, planned sales, large holders, 13F holders, financials, earnings dates and insider trades. Listed on Nasdaq, classified by the SEC as finance services.
26.9M
Short interest
settlement 2026-10-15
6.4
Days to cover
+0.2 days vs prior
38.8%
Short share of volume
2026-10-28
218,789
Fails to deliver
settlement 2026-09-29
Tue 3 Nov
Next earnings
estimated date
-$3.1M
Insider flow, 90 days
1 buys, 10 sells
As of 2026-10-28.
Short interest
FINRA, twice a month. The newest 48 settlements in the table, 48 in the chart. JSONAs of 15 October 2026, short interest in UPST is 26,885,428 shares, down 764,360 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 4.2M shares a day that is 6.4 days to cover.
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| Settlement | Shares short | Change | Avg daily volume | Days to cover |
|---|---|---|---|---|
| 2026-10-15 | 26,885,428 | -5.9% | 4,191,660 | 6.41 |
| 2026-09-30 | 28,569,957 | +3.3% | 4,587,517 | 6.23 |
| 2026-09-15 | 27,649,788 | +6.6% | 4,028,630 | 6.86 |
| 2026-08-31 | 25,946,861 | +4.7% | 4,168,492 | 6.22 |
| 2026-08-14 | 24,779,256 | -1.8% | 5,333,196 | 4.65 |
| 2026-07-31 | 25,223,623 | -3.6% | 3,449,070 | 7.31 |
| 2026-07-15 | 26,176,982 | +1.3% | 3,672,305 | 7.13 |
| 2026-06-30 | 25,838,509 | -3.7% | 4,635,359 | 5.57 |
| 2026-06-15 | 26,825,714 | -3.0% | 4,675,871 | 5.74 |
| 2026-05-29 | 27,642,739 | +3.6% | 4,784,618 | 5.78 |
| 2026-05-15 | 26,674,083 | -1.1% | 5,322,672 | 5.01 |
| 2026-04-30 | 26,979,293 | -3.2% | 4,176,870 | 6.46 |
| 2026-04-15 | 27,872,978 | +0.8% | 4,213,134 | 6.62 |
| 2026-03-31 | 27,640,735 | -0.5% | 4,880,433 | 5.66 |
| 2026-03-13 | 27,767,282 | +11.5% | 5,375,586 | 5.17 |
| 2026-02-27 | 24,910,913 | +5.8% | 5,268,131 | 4.73 |
| 2026-02-13 | 23,542,832 | +3.1% | 7,329,700 | 3.21 |
| 2026-01-30 | 22,841,180 | +0.9% | 3,033,221 | 7.53 |
| 2026-01-15 | 22,640,954 | -15.1% | 4,610,954 | 4.91 |
| 2025-12-31 | 26,676,885 | +16.1% | 4,578,812 | 5.83 |
| 2025-12-15 | 22,975,403 | -2.7% | 4,149,374 | 5.54 |
| 2025-11-28 | 23,623,685 | -6.4% | 5,343,716 | 4.42 |
| 2025-11-14 | 25,236,882 | -14.7% | 8,783,301 | 2.87 |
| 2025-10-31 | 29,590,889 | +3.2% | 6,173,744 | 4.79 |
| 2025-10-15 | 28,675,988 | +12.8% | 6,949,950 | 4.13 |
| 2025-09-30 | 25,429,938 | +16.0% | 8,652,383 | 2.94 |
| 2025-09-15 | 21,928,168 | +3.9% | 6,771,312 | 3.24 |
| 2025-08-29 | 21,098,496 | -6.0% | 5,921,665 | 3.56 |
| 2025-08-15 | 22,455,083 | +28.1% | 9,498,111 | 2.36 |
| 2025-07-31 | 17,534,938 | -5.8% | 5,106,362 | 3.43 |
| 2025-07-15 | 18,605,362 | -12.3% | 6,243,139 | 2.98 |
| 2025-06-30 | 21,206,131 | -0.1% | 6,392,452 | 3.32 |
| 2025-06-13 | 21,227,345 | +0.5% | 5,239,703 | 4.05 |
| 2025-05-30 | 21,123,022 | +3.7% | 4,390,948 | 4.81 |
| 2025-05-15 | 20,374,240 | -12.9% | 9,964,442 | 2.04 |
| 2025-04-30 | 23,398,319 | +0.8% | 4,535,408 | 5.16 |
| 2025-04-15 | 23,219,751 | +13.8% | 8,090,121 | 2.87 |
| 2025-03-31 | 20,405,456 | +11.6% | 4,295,542 | 4.75 |
| 2025-03-14 | 18,284,118 | +9.3% | 5,458,121 | 3.35 |
| 2025-02-28 | 16,724,984 | -6.1% | 6,131,527 | 2.73 |
| 2025-02-14 | 17,819,437 | -0.6% | 10,243,622 | 1.74 |
| 2025-01-31 | 17,923,658 | -7.3% | 3,478,643 | 5.15 |
| 2025-01-15 | 19,324,814 | -2.7% | 4,659,830 | 4.15 |
| 2024-12-31 | 19,854,238 | -2.7% | 4,955,324 | 4.01 |
| 2024-12-13 | 20,413,198 | -5.4% | 7,390,165 | 2.76 |
| 2024-11-29 | 21,574,420 | -3.2% | 5,928,610 | 3.64 |
| 2024-11-15 | 22,289,255 | -0.8% | 11,914,968 | 1.87 |
| 2024-10-31 | 22,480,084 | -8.8% | 5,554,217 | 4.05 |
Daily short volume
FINRA Reg SHO, the last 30 sessions. JSONAs of 28 October 2026, the short share of UPST volume is 38.8%, down 22.4 points over the last five sessions. Over the last 30 readings it ranged from 38.8% (28 October 2026) to 66.9% (18 September 2026). The latest reading sits at the bottom of that range. The latest reading is 16.5 points below the 30-session average of 55.3%, on 1.2M shares reported.
| Date | Short volume | Total volume | Short share | Exempt |
|---|---|---|---|---|
| 2026-10-28 | 471K | 1.2M | 38.8% | 16 |
| 2026-10-27 | 496K | 1.2M | 42.0% | 1,752 |
| 2026-10-26 | 559K | 1.2M | 47.8% | 3,560 |
| 2026-10-23 | 670K | 1.1M | 63.6% | 1,378 |
| 2026-10-22 | 508K | 1.0M | 50.2% | 2,011 |
| 2026-10-21 | 577K | 942K | 61.3% | 840 |
| 2026-10-20 | 809K | 1.6M | 51.9% | 82 |
| 2026-10-19 | 556K | 1.0M | 53.1% | 1,522 |
| 2026-10-16 | 843K | 1.5M | 57.3% | 928 |
| 2026-10-15 | 1.2M | 2.0M | 57.1% | 489 |
| 2026-10-14 | 1.1M | 1.9M | 59.6% | 2,631 |
| 2026-10-13 | 721K | 1.2M | 62.6% | 1,933 |
| 2026-10-12 | 519K | 928K | 56.0% | 1,265 |
| 2026-10-09 | 482K | 924K | 52.1% | 5,013 |
| 2026-10-08 | 742K | 1.3M | 56.7% | 1,341 |
| 2026-10-07 | 732K | 1.2M | 62.2% | 2,698 |
| 2026-10-06 | 734K | 1.5M | 48.3% | 9,253 |
| 2026-10-05 | 1.4M | 2.4M | 57.6% | 13,376 |
| 2026-10-02 | 863K | 1.6M | 55.6% | 789 |
| 2026-10-01 | 1.3M | 2.2M | 60.5% | 2,241 |
| 2026-09-30 | 796K | 1.3M | 62.1% | 706 |
| 2026-09-29 | 749K | 1.5M | 51.6% | 150 |
| 2026-09-28 | 951K | 1.8M | 53.0% | 101 |
| 2026-09-25 | 1.2M | 1.9M | 63.7% | 4,129 |
| 2026-09-24 | 882K | 1.8M | 49.9% | 55 |
| 2026-09-23 | 1.4M | 2.5M | 56.3% | 833 |
| 2026-09-22 | 712K | 1.4M | 50.1% | 4,337 |
| 2026-09-21 | 841K | 1.8M | 47.4% | 130 |
| 2026-09-18 | 1.4M | 2.1M | 66.9% | 902 |
| 2026-09-17 | 784K | 1.2M | 64.6% | 5,543 |
Fails to deliver
SEC, the last 30 settlement dates with a fail. JSONAs of 29 September 2026, the fails-to-deliver balance in UPST is 218,789 shares, up 203,328 shares over the last settlement date. Over the last 30 readings it ranged from 5 shares (6 August 2026) to 218,789 shares (29 September 2026). The latest reading sits at the top of that range.
| Settlement | Shares failed | Price | Value |
|---|---|---|---|
| 2026-09-29 | 218,789 | $23.03 | $5.0M |
| 2026-09-28 | 15,461 | $23.81 | $368K |
| 2026-09-22 | 186 | $25.58 | $5K |
| 2026-09-21 | 3,412 | $25.00 | $85K |
| 2026-09-18 | 905 | $24.77 | $22K |
| 2026-09-10 | 13,500 | $25.89 | $350K |
| 2026-09-09 | 220 | $26.98 | $6K |
| 2026-09-08 | 169,653 | $28.05 | $4.8M |
| 2026-09-04 | 2,851 | $28.52 | $81K |
| 2026-08-26 | 17,979 | $30.58 | $550K |
| 2026-08-25 | 15 | $29.89 | $448 |
| 2026-08-24 | 3,175 | $30.30 | $96K |
| 2026-08-20 | 8,987 | $30.60 | $275K |
| 2026-08-19 | 3,305 | $29.11 | $96K |
| 2026-08-17 | 7,510 | $30.43 | $229K |
| 2026-08-12 | 18,400 | $29.89 | $550K |
| 2026-08-10 | 4,105 | $31.09 | $128K |
| 2026-08-06 | 5 | $30.20 | $151 |
| 2026-08-05 | 52 | $30.32 | $2K |
| 2026-08-04 | 75,432 | $29.43 | $2.2M |
| 2026-08-03 | 5,223 | $27.44 | $143K |
| 2026-07-31 | 50 | $27.04 | $1K |
| 2026-07-27 | 3,769 | $26.93 | $101K |
| 2026-07-23 | 164 | $28.64 | $5K |
| 2026-07-22 | 114 | $29.27 | $3K |
| 2026-07-21 | 29 | $28.82 | $836 |
| 2026-07-20 | 938 | $29.51 | $28K |
| 2026-07-17 | 224 | $30.88 | $7K |
| 2026-07-16 | 7,398 | $31.59 | $234K |
| 2026-07-14 | 95 | $31.46 | $3K |
Insider trades
SEC Form 4, newest first. JSONOver the last 90 days UPST insiders reported 1 open-market buy ($1.3M) against 10 sells ($4.4M), so the dollar flow leans toward selling. Latest filing: Gu Paul (Chief Executive Officer) on 2026-09-10.
| Date | Insider | Title | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|---|
| 2026-09-10 | Gu Paul | Chief Executive Officer | Buy | 50K | $25.55 | $1.3M | 130K |
| 2026-09-08 | Datta Sanjay | President, Capital& Enterprise | Sell | 116K | $27.29 | $3.2M | 477K |
| 2026-09-08 | Datta Sanjay | President, Capital& Enterprise | Exercise or conversion | 300K | $1.35 | $405K | 593K |
| 2026-08-25 | Mirgorodskaya Natalia | See Remarks | Sell | 913 | $30.03 | $27K | 36K |
| 2026-08-20 | Mirgorodskaya Natalia | See Remarks | Sell | 586 | $28.09 | $16K | 37K |
| 2026-08-20 | Datta Sanjay | President, Capital& Enterprise | Sell | 9K | $28.09 | $251K | 293K |
| 2026-08-20 | Darling Scott | Chief Legal Officer | Sell | 8K | $28.09 | $216K | 73K |
| 2026-08-19 | Datta Sanjay | President, Capital& Enterprise | Sell | 10K | $31.46 | $315K | 302K |
| 2026-08-19 | Blankmeyer Andrea | Chief Financial Officer | Sell | 3K | $29.33 | $88K | 152K |
| 2026-08-17 | Datta Sanjay | President, Capital& Enterprise | Sell | 2K | $29.36 | $60K | 312K |
| 2026-08-17 | Darling Scott | Chief Legal Officer | Sell | 814 | $29.36 | $24K | 87K |
| 2026-08-17 | Blankmeyer Andrea | Chief Financial Officer | Sell | 7K | $29.36 | $211K | 155K |
| 2026-06-09 | Datta Sanjay | President, Capital& Enterprise | Sell | 15K | $30.41 | $456K | 314K |
| 2026-05-29 | Wennes Timothy H | Director | Grant | 6K | $0.00 | $0 | 6K |
| 2026-05-29 | Terry Hilliard C. III | Director | Grant | 6K | $0.00 | $0 | 37K |
| 2026-05-29 | O'Kelly Ciaran | Director | Grant | 6K | $0.00 | $0 | 39K |
| 2026-05-29 | Hentges Mary | Director | Grant | 6K | $0.00 | $0 | 37K |
| 2026-05-29 | Cooper Kerry Whorton | Director | Grant | 6K | $0.00 | $0 | 6K |
| 2026-05-29 | Bernard Peter J | Director | Grant | 6K | $0.00 | $0 | 11K |
| 2026-05-26 | Mirgorodskaya Natalia | See Remarks | Sell | 974 | $28.99 | $28K | 37K |
| 2026-05-20 | Mirgorodskaya Natalia | See Remarks | Sell | 526 | $28.77 | $15K | 38K |
| 2026-05-20 | Datta Sanjay | President, Capital& Enterprise | Sell | 8K | $28.77 | $230K | 329K |
| 2026-05-20 | Darling Scott | Chief Legal Officer | Sell | 7K | $28.78 | $191K | 89K |
| 2026-05-15 | Mirgorodskaya Natalia | See Remarks | Exercise or conversion | 5K | $1.35 | $6K | 39K |
| 2026-05-15 | Datta Sanjay | President, Capital& Enterprise | Sell | 1K | $30.03 | $30K | 337K |
| 2026-05-15 | Datta Sanjay | President, Capital& Enterprise | Sell | 806 | $28.96 | $23K | 338K |
| 2026-05-15 | Darling Scott | Chief Legal Officer | Sell | 441 | $29.99 | $13K | 103K |
| 2026-05-15 | Darling Scott | Chief Legal Officer | Sell | 286 | $28.84 | $8K | 104K |
| 2026-05-15 | Blankmeyer Andrea | Chief Financial Officer | Sell | 101 | $30.54 | $3K | 162K |
| 2026-05-15 | Blankmeyer Andrea | Chief Financial Officer | Sell | 4K | $30.05 | $126K | 162K |
| 2026-05-15 | Blankmeyer Andrea | Chief Financial Officer | Sell | 3K | $28.96 | $80K | 167K |
| 2026-05-13 | Gu Paul | Chief Executive Officer | Buy | 50K | $27.50 | $1.4M | 70K |
| 2026-05-07 | Girouard Dave | Director, 10% owner | Exercise or conversion | 835K | $0.83 | $693K | 9.3M |
| 2026-05-07 | Girouard Dave | Director, 10% owner | Buy | 300 | $29.76 | $9K | 8.5M |
| 2026-05-07 | Girouard Dave | Director, 10% owner | Buy | 170K | $29.37 | $5.0M | 8.5M |
| 2026-03-31 | Blankmeyer Andrea | Chief Financial Officer | Grant | 169K | $0.00 | $0 | 169K |
| 2026-03-02 | Mirgorodskaya Natalia | See Remarks | Sell | 390 | $26.02 | $10K | 34K |
| 2026-02-28 | Mirgorodskaya Natalia | See Remarks | Grant | 9K | $0.00 | $0 | 35K |
| 2026-02-28 | Datta Sanjay | See Remarks | Grant | 62K | $0.00 | $0 | 338K |
| 2026-02-28 | Darling Scott | Chief Legal Officer | Grant | 25K | $0.00 | $0 | 104K |
| 2026-02-25 | Mirgorodskaya Natalia | See Remarks | Sell | 866 | $28.79 | $25K | 25K |
| 2026-02-20 | Darling Scott | Chief Legal Officer | Other transaction | 7K | price not stated in the filing | not stated | 79K |
| 2026-02-20 | Darling Scott | Chief Legal Officer | Other transaction | 7K | price not stated in the filing | not stated | 32K |
| 2026-02-20 | Darling Scott | Chief Legal Officer | Sell | 390 | $30.25 | $12K | 32K |
| 2026-02-20 | Mirgorodskaya Natalia | See Remarks | Sell | 633 | $29.90 | $19K | 26K |
| 2026-02-20 | Datta Sanjay | Chief Financial Officer | Sell | 8K | $29.86 | $238K | 277K |
| 2026-02-20 | Darling Scott | Chief Legal Officer | Sell | 6K | $29.85 | $193K | 86K |
| 2026-01-22 | Darling Scott | Chief Legal Officer | Exercise or conversion | 8K | $13.22 | $100K | 25K |
| 2026-01-12 | O'Kelly Ciaran | Director | Grant | 1K | $0.00 | $0 | 33K |
| 2026-01-12 | Cooper Kerry Whorton | Director | Grant | 1K | $0.00 | $0 | 25K |
| 2026-01-12 | Bernard Peter J | Director | Grant | 834 | $0.00 | $0 | 5K |
| 2026-01-05 | Darling Scott | Chief Legal Officer | Other transaction | 1K | price not stated in the filing | not stated | 93K |
| 2026-01-05 | Darling Scott | Chief Legal Officer | Other transaction | 1K | price not stated in the filing | not stated | 18K |
| 2026-01-05 | Darling Scott | Chief Legal Officer | Sell | 1K | $50.00 | $50K | 17K |
| 2026-01-05 | Darling Scott | Chief Legal Officer | Exercise or conversion | 1K | $13.22 | $13K | 94K |
| 2025-12-12 | Darling Scott | Chief Legal Officer | Other transaction | 2K | price not stated in the filing | not stated | 93K |
| 2025-12-12 | Darling Scott | Chief Legal Officer | Sell | 7K | $50.00 | $370K | 17K |
| 2025-12-12 | Darling Scott | Chief Legal Officer | Other transaction | 2K | price not stated in the filing | not stated | 25K |
| 2025-12-12 | Darling Scott | Chief Legal Officer | Exercise or conversion | 2K | $13.22 | $26K | 95K |
| 2025-12-12 | Cooper Kerry Whorton | Director | Sell | 2K | $50.00 | $75K | 24K |
| 2025-11-25 | Mirgorodskaya Natalia | See Remarks | Sell | 762 | $38.91 | $30K | 26K |
| 2025-11-20 | Darling Scott | Chief Legal Officer | Other transaction | 5K | price not stated in the filing | not stated | 93K |
| 2025-11-20 | Darling Scott | Chief Legal Officer | Other transaction | 5K | price not stated in the filing | not stated | 23K |
| 2025-11-20 | Mirgorodskaya Natalia | See Remarks | Sell | 80 | $36.95 | $3K | 27K |
| 2025-11-20 | Mirgorodskaya Natalia | See Remarks | Sell | 741 | $36.58 | $27K | 27K |
| 2025-11-20 | Mirgorodskaya Natalia | See Remarks | Exercise or conversion | 7K | $35.58 | $246K | 28K |
| 2025-11-20 | Datta Sanjay | Chief Financial Officer | Sell | 1K | $36.99 | $37K | 284K |
| 2025-11-20 | Datta Sanjay | Chief Financial Officer | Sell | 13K | $36.54 | $461K | 285K |
| 2025-11-20 | Darling Scott | Chief Legal Officer | Sell | 400 | $37.02 | $15K | 98K |
| 2025-11-20 | Darling Scott | Chief Legal Officer | Sell | 7K | $36.55 | $268K | 98K |
| 2025-11-11 | Gu Paul | Chief Technology Offier | Buy | 80K | $39.23 | $3.1M | 80K |
| 2025-11-11 | Gu Paul | Chief Technology Offier | Buy | 20K | $39.22 | $784K | 20K |
| 2025-10-24 | Darling Scott | Chief Legal Officer | Sell | 1K | $55.01 | $55K | 123K |
| 2025-10-24 | Darling Scott | Chief Legal Officer | Exercise or conversion | 1K | $13.22 | $13K | 124K |
| 2025-10-01 | Darling Scott | Chief Legal Officer | Sell | 1K | $54.64 | $55K | 124K |
| 2025-10-01 | Darling Scott | Chief Legal Officer | Exercise or conversion | 1K | $13.22 | $13K | 125K |
| 2025-09-17 | Darling Scott | Chief Legal Officer | Sell | 1K | $70.01 | $70K | 124K |
| 2025-09-17 | Darling Scott | Chief Legal Officer | Exercise or conversion | 1K | $13.22 | $13K | 125K |
| 2025-09-15 | Girouard Dave | Chief Executive Officer | Sell | 7K | $65.41 | $448K | 53K |
| 2025-09-15 | Girouard Dave | Chief Executive Officer | Sell | 35K | $64.84 | $2.3M | 59K |
| 2025-09-15 | Girouard Dave | Chief Executive Officer | Exercise or conversion | 42K | $0.83 | $35K | 94K |
| 2025-09-03 | Darling Scott | Chief Legal Officer | Sell | 4K | $69.41 | $278K | 124K |
| 2025-09-03 | Darling Scott | Chief Legal Officer | Exercise or conversion | 4K | $13.22 | $53K | 128K |
| 2025-09-02 | Gu Paul | Chief Technology Offier | Exercise or conversion | 3K | $8.88 | $22K | 1.2M |
| 2025-09-02 | Mirgorodskaya Natalia | See Remarks | Sell | 1K | $69.21 | $100K | 21K |
| 2025-09-02 | Gu Paul | Chief Technology Offier | Sell | 2K | $68.91 | $161K | 1.1M |
| 2025-09-02 | Gu Paul | Chief Technology Offier | Sell | 3K | $68.35 | $182K | 1.1M |
| 2025-09-02 | Gu Paul | Chief Technology Offier | Exercise or conversion | 3K | $3.80 | $10K | 1.1M |
| 2025-09-02 | Cooper Kerry Whorton | Director | Sell | 500 | $69.21 | $35K | 25K |
| 2025-08-25 | Mirgorodskaya Natalia | See Remarks | Sell | 1K | $68.00 | $70K | 23K |
| 2025-08-25 | Darling Scott | Chief Legal Officer | Sell | 6K | $68.00 | $435K | 124K |
| 2025-08-22 | Mirgorodskaya Natalia | See Remarks | Sell | 365 | $70.00 | $26K | 24K |
| 2025-08-22 | Mirgorodskaya Natalia | See Remarks | Exercise or conversion | 365 | $25.90 | $9K | 24K |
| 2025-08-20 | Mirgorodskaya Natalia | See Remarks | Sell | 1K | $61.12 | $66K | 24K |
| 2025-08-20 | Datta Sanjay | Chief Financial Officer | Sell | 13K | $61.12 | $823K | 298K |
| 2025-08-20 | Darling Scott | Chief Legal Officer | Sell | 139 | $63.31 | $9K | 130K |
| 2025-08-20 | Darling Scott | Chief Legal Officer | Sell | 1 | $61.80 | $62 | 130K |
| 2025-08-20 | Darling Scott | Chief Legal Officer | Sell | 7K | $61.12 | $410K | 130K |
| 2025-08-15 | Girouard Dave | Chief Executive Officer | Sell | 3K | $63.91 | $185K | 53K |
| 2025-08-15 | Girouard Dave | Chief Executive Officer | Sell | 39K | $63.23 | $2.5M | 56K |
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 rarer.
Planned sales (Form 144)
Newest first. JSON35 Form 144 notices on file for UPST worth $13.6M 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.
| Filed | Seller | Shares | Market value | Of outstanding | Sale from | Broker |
|---|---|---|---|---|---|---|
| 2026-09-08 | Datta SanjayOfficer | 116K | $3.2M | 0.119% | 2026-09-08 | Charles Schwab & Co., Inc. |
| 2026-08-25 | Mirgorodskaya NataliaOfficer | 913 | $27K | 0.001% | 2026-08-25 | Charles Schwab & Co., Inc. |
| 2026-08-20 | Mirgorodskaya NataliaOfficer | 586 | $16K | 0.001% | 2026-08-20 | Charles Schwab & Co., Inc. |
| 2026-08-20 | Datta SanjayOfficer | 9K | $251K | 0.009% | 2026-08-20 | Charles Schwab & Co., Inc. |
| 2026-08-20 | Darling ScottOfficer | 8K | $216K | 0.008% | 2026-08-20 | Charles Schwab & Co., Inc. |
| 2026-08-19 | Datta SanjayOfficer | 10K | $315K | 0.010% | 2026-08-19 | Charles Schwab & Co., Inc. |
| 2026-08-19 | Blankmeyer AndreaOfficer | 3K | $88K | 0.003% | 2026-08-19 | Charles Schwab & Co., Inc. |
| 2026-08-17 | Datta SanjayOfficer | 2K | $60K | 0.002% | 2026-08-17 | Charles Schwab & Co., Inc. |
| 2026-08-17 | Darling ScottOfficer | 814 | $24K | 0.001% | 2026-08-17 | Charles Schwab & Co., Inc. |
| 2026-08-17 | Blankmeyer AndreaOfficer | 7K | $211K | 0.007% | 2026-08-17 | Charles Schwab & Co., Inc. |
| 2026-06-09 | Datta SanjayOfficer | 15K | $456K | 0.016% | 2026-06-09 | Charles Schwab & Co., Inc. |
| 2026-05-26 | Mirgorodskaya NataliaOfficer | 974 | $28K | 0.001% | 2026-05-26 | Charles Schwab & Co., Inc. |
| 2026-05-20 | Mirgorodskaya NataliaOfficer | 526 | $15K | 0.001% | 2026-05-20 | Charles Schwab & Co., Inc. |
| 2026-05-20 | Datta SanjayOfficer | 8K | $230K | 0.008% | 2026-05-20 | Charles Schwab & Co., Inc. |
| 2026-05-20 | Darling ScottOfficer | 7K | $191K | 0.007% | 2026-05-20 | Charles Schwab & Co., Inc. |
| 2026-05-15 | Datta SanjayOfficer | 2K | $54K | 0.002% | 2026-05-15 | Charles Schwab & Co., Inc. |
| 2026-05-15 | Darling ScottOfficer | 727 | $21K | 0.001% | 2026-05-15 | Charles Schwab & Co., Inc. |
| 2026-05-15 | Blankmeyer AndreaOfficer | 7K | $209K | 0.007% | 2026-05-15 | Charles Schwab & Co., Inc. |
| 2026-03-02 | Mirgorodskaya NataliaOfficer | 390 | $10K | 0.000% | 2026-03-02 | Charles Schwab & Co., Inc. |
| 2026-02-25 | Mirgorodskaya NataliaOfficer | 866 | $25K | 0.001% | 2026-02-25 | Charles Schwab & Co., Inc. |
| 2026-02-20 | Mirgorodskaya NataliaOfficer | 633 | $19K | 0.001% | 2026-02-20 | Charles Schwab & Co., Inc. |
| 2026-02-20 | Datta SanjayOfficer | 8K | $238K | 0.008% | 2026-02-20 | Charles Schwab & Co., Inc. |
| 2026-02-20 | Darling ScottOfficer | 6K | $193K | 0.007% | 2026-02-20 | Charles Schwab & Co., Inc. |
| 2026-02-20 | Darling ScottOfficer | 390 | $12K | 0.000% | 2026-02-20 | Charles Schwab & Co., Inc. |
| 2026-01-05 | Darling ScottOfficer | 1K | $50K | 0.001% | 2026-01-05 | Charles Schwab & Co., Inc. |
| 2025-12-12 | Darling ScottOfficer | 7K | $3.7M | 0.008% | 2025-12-12 | Charles Schwab & Co., Inc. |
| 2025-12-12 | Cooper Kerry WhortonDirector | 2K | $75K | 0.002% | 2025-12-12 | Charles Schwab & Co., Inc. |
| 2025-11-25 | Mirgorodskaya NataliaOfficer | 762 | $30K | 0.001% | 2025-11-25 | Charles Schwab & Co., Inc. |
| 2025-11-20 | Mirgorodskaya NataliaOfficer | 821 | $30K | 0.001% | 2025-11-20 | Charles Schwab & Co., Inc. |
| 2025-11-20 | Datta SanjayOfficer | 14K | $498K | 0.014% | 2025-11-20 | Charles Schwab & Co., Inc. |
| 2025-11-20 | Darling ScottOfficer | 8K | $282K | 0.008% | 2025-11-20 | Charles Schwab & Co., Inc. |
| 2025-10-24 | Darling ScottOfficer | 1K | $55K | 0.001% | 2025-10-24 | Charles Schwab & Co., Inc. |
| 2025-10-01 | Darling ScottOfficer | 1K | $55K | 0.001% | 2025-10-01 | Charles Schwab & Co., Inc. |
| 2025-09-17 | Darling ScottOfficer | 1K | $70K | 0.001% | 2025-09-17 | Charles Schwab & Co., Inc. |
| 2025-09-15 | Girouard DaveOfficer, Director, 10% Stockholder | 42K | $2.7M | 0.043% | 2025-09-15 | Charles Schwab & Co., Inc. |
Large holders (13D and 13G)
One row per reporting person with its latest filing, newest first. JSONNo holder on file reports 5% or more of UPST in its latest filing.
| Filed | Form | Holder | Shares | Of class | Event |
|---|---|---|---|---|---|
| 2026-07-13 | 13G/Ano. 1 | Josh Resnickparent holding company, individual | 0 | 0.0% | 2026-03-31 |
| 2026-07-13 | 13G/Ano. 1 | Jericho Capital Asset Management L.P.investment adviser, partnership | 0 | 0.0% | 2026-03-31 |
| 2026-03-27 | 13G/Ano. 3 | The Vanguard Groupinvestment adviser | 0 | 0.0% | 2026-03-13 |
| 2026-02-13 | 13G/Ano. 1 | G1 Execution Services, LLCbroker-dealer, other entity | 4.6M | 4.6% | 2025-12-31 |
| 2026-02-13 | 13G/Ano. 1 | SIG Brokerage, LPbroker-dealer, partnership | 4.6M | 4.6% | 2025-12-31 |
| 2026-02-13 | 13G/Ano. 1 | Susquehanna Portfolio Strategies, LLCother entity | 4.6M | 4.6% | 2025-12-31 |
| 2026-02-13 | 13G/Ano. 1 | Susquehanna Securities, LLCbroker-dealer, other entity | 4.6M | 4.6% | 2025-12-31 |
| 2025-10-09 | 13G | Citadel Securities Group LPparent holding company, partnership | 4.5M | 4.7% | 2025-10-02 |
| 2025-10-09 | 13G | Kenneth Griffinparent holding company, individual | 4.5M | 4.7% | 2025-10-02 |
| 2025-10-09 | 13G | Citadel Securities GP LLCparent holding company, other entity | 4.5M | 4.7% | 2025-10-02 |
| 2025-10-09 | 13G | Citadel Securities LLCbroker-dealer, other entity | 3.0M | 3.1% | 2025-10-02 |
| 2025-10-09 | 13G | Citadel Advisors LLCinvestment adviser, parent holding company, other entity | 0 | 0.0% | 2025-10-02 |
| 2025-10-09 | 13G | Citadel Advisors Holdings LPparent holding company, partnership | 0 | 0.0% | 2025-10-02 |
| 2025-10-09 | 13G | Citadel GP LLCparent holding company, other entity | 0 | 0.0% | 2025-10-02 |
13F holders
Tracked managers holding UPST at their latest 13F. JSON6 of the 30 tracked managers held UPST at their latest 13F, $127.5M in total at quarter-end prices. Citadel Advisors is the largest at $33.9M (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 4 added shares and 1 cut.
| Fund | Quarter | Shares | Value | Of portfolio | Change in shares |
|---|---|---|---|---|---|
| Citadel Advisors | 2026-06-30 | 956K | $33.9M | 0.00% | +324K |
| Point72 Asset Management | 2026-06-30 | 885K | $31.4M | 0.03% | +129K |
| Coatue Management | 2026-06-30 | 871K | $30.9M | 0.06% | 0 |
| Millennium Management | 2026-06-30 | 765K | $27.1M | 0.01% | +97K |
| AQR Capital Management | 2026-06-30 | 110K | $3.9M | 0.00% | +24K |
| Two Sigma Investments | 2026-06-30 | 13K | $443K | 0.00% | -23K |
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. JSONIn Q2 FY 2026 (quarter ended 2026-06-30) Upstart Holdings 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
| Quarter | Period end | Revenue | Net income | Margin | Diluted EPS |
|---|---|---|---|---|---|
| Q2 FY 2026 | 2026-06-30 | $364.7M | $16.5M | 4.5% | 0.16 |
| Q1 FY 2026 | 2026-03-31 | $308.2M | -$6.6M | -2.2% | -0.07 |
| Q4 FY 2025derived | 2025-12-31 | $296.1M | $18.6M | 6.3% | n/a |
| Q3 FY 2025 | 2025-09-30 | $277.1M | $31.8M | 11.5% | 0.23 |
| Q2 FY 2025 | 2025-06-30 | $257.3M | $5.6M | 2.2% | 0.05 |
| Q1 FY 2025 | 2025-03-31 | $213.4M | -$2.4M | -1.1% | -0.03 |
| Q4 FY 2024derived | 2024-12-31 | $219.0M | -$2.8M | -1.3% | n/a |
| Q3 FY 2024 | 2024-09-30 | $162.1M | -$6.8M | -4.2% | -0.07 |
Fiscal years, with buybacks and dividends
| Fiscal year | Ends | Revenue | Net income | Operating cash flow | Capex | Buybacks | Dividends |
|---|---|---|---|---|---|---|---|
| FY 2025 | 2025-12-31 | $1.04B | $53.6M | -$147.7M | $347K | n/a | n/a |
| FY 2024 | 2024-12-31 | $636.5M | -$128.6M | $186.3M | $837K | $0 | n/a |
| FY 2023 | 2023-12-31 | $513.6M | -$240.1M | -$111.7M | $1.5M | $0 | n/a |
| FY 2022 | 2022-12-31 | $907.3M | -$108.7M | -$657.9M | $8.8M | $177.9M | n/a |
| FY 2021 | 2021-12-31 | $801.3M | $135.4M | $168.4M | $8.4M | $0 | n/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 the cash the company paid to repurchase its common stock in the year, not the amount authorized. 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 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 puts those series for one ticker on one URL, with planned sales, large holders, 13F holders and financials beside them, 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 one-line summary of the latest figures and its own JSON and CSV links, and says when its source last updated.
This page follows Upstart Holdings (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 updates
- Short interest
- FINRA consolidated short interestSource: FINRA.Twice a month, about eight business days after settlement. Latest 2026-10-15.JSON and CSV
- Daily short volume
- FINRA Reg SHO daily filesSource: FINRA.Every trading day, the morning after FINRA posts it. Latest 2026-10-28.JSON and CSV
- Fails to deliver
- SEC fails-to-deliver dataSource: SEC.Twice a month, a few weeks after the half month ends. Latest 2026-09-29.JSON and CSV
- Planned sales
- SEC EDGAR Form 144Source: SEC.New notices appear shortly after the SEC posts them; a notice is filed on or before the sale. Latest 2026-09-08.JSON and CSV
- Large holders
- SEC EDGAR Schedule 13D and 13GSource: SEC.New filings appear shortly after the SEC posts them. A 13D is due within five business days of crossing 5%; a 13G follows the passive schedule. Latest 2026-07-13.JSON and CSV
- 13F holders
- SEC EDGAR Form 13F-HRSource: SEC.Quarterly, filed within 45 days of quarter end; 30 tracked managers. Latest 2026-06-30.JSON and CSV
- Financials
- SEC EDGAR 10-K and 10-Q filingsSource: SEC.Weekly; values are as filed in the 10-Q and 10-K. Latest 2026-06-30.JSON and CSV
- Earnings dates
- SEC EDGAR 8-K filings (Item 2.02)Source: SEC.Twice a day. Reported dates come from the company's 8-K filings; the next date is marked as an estimate until the 8-K arrives. Latest 2026-08-04.JSON and CSV
- Insider trades
- SEC EDGAR Form 4Source: SEC.New filings appear shortly after the SEC posts them; they're due two business days after the trade. Latest 2026-09-10.JSON and CSV
- Company record
- EDGAR filing index for CIK 1647639Ticker, name and exchange from the SEC's company list, refreshed weekly.
- Rate limits
- 10 requests a minute without a key, 30 with a free key from a free account.
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 large short position are rare and stand out; insider sells next to one 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.
Other companies the SEC classifies as finance services
Other company pages
Datasets
Frequently Asked Questions
How much of UPST is sold short?
26,885,428 shares were held short at the 2026-10-15 settlement, 6.4 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 2026-10-28, 470,869 of the 1,212,277 UPST shares reported to FINRA were sold short, 38.8% 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 218,789 UPST shares failed to deliver at settlement 2026-09-29. Fails are reported per settlement date and published twice a month with a lag.
Are UPST insiders buying or selling?
Over the last 90 days UPST insiders reported 1 open-market buy ($1.3M) against 10 sells ($4.4M), so the dollar flow leans toward selling. Latest filing: Gu Paul (Chief Executive Officer) on 2026-09-10.
Have UPST insiders filed to sell?
35 Form 144 notices on file for UPST worth $13.6M 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.
Who owns 5% or more of UPST?
No holder on file reports 5% or more of UPST in its latest filing.
What did UPST report last quarter?
In Q2 FY 2026 (quarter ended 2026-06-30) Upstart Holdings 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 tracked 13F managers own UPST?
6 of the 30 tracked 13F managers held UPST shares at their latest filing, $127.5M in all. The largest: Ken Griffin's Citadel Advisors (956K shares, $33.9M), Steve Cohen's Point72 Asset Management (885K shares, $31.4M), Philippe Laffont's Coatue Management (871K shares, $30.9M), Izzy Englander's Millennium Management (765K shares, $27.1M), Cliff Asness's AQR Capital Management (110K shares, $3.9M), Two Sigma Investments (13K shares, $443K).
Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.