UPST

Upstart Holdings Inc

23.02

Oct 30 • 3:59 PM ET -1.82 (-7.33%)

23.14

Aftermarket • 7:59 PM ET +0.12 (0.52%)

Financial Credit Services USA Mid NASD

Peers: HAPN ENVA SOFI OMF AFRM OPFI PGY OPRT SEZL KLAR

| Held by: VTI IWM VB FESM VBK VXF IWO DFAS VTWO SCHA

Scroll to Statements

Index	RUT
Market Cap	2.24B
Enterprise Value	3.28B
Income	60.33M
Sales	1.25B
Book/sh	8.20
Cash/sh	10.09
Dividend Est.	-
Dividend TTM	-
Dividend Ex-Date	-
Dividend Gr. 3/5Y	- -
Payout	0.00%
Employees	1405
IPO	Dec 16, 2020

P/E	41.92
Forward P/E	11.91
PEG	0.41
P/S	1.80
P/B	2.81
P/C	2.28
P/FCF	-
EV/EBITDA	43.62
EV/Sales	2.63
Quick Ratio	2.91
Current Ratio	2.91
Debt/Eq	2.54
LT Debt/Eq	2.45
Option/Short	Yes / Yes

EPS (ttm)	0.55
EPS next Y	1.93
EPS next Q	0.21
EPS this Y	-61.01%
EPS next Y	199.31%
EPS next 5Y	29.27%
EPS past 3/5Y	- 40.90%
Sales past 3/5Y	7.41% 34.93%
EPS Y/Y TTM	963.52%
Sales Y/Y TTM	46.30%
EPS Q/Q	185.50%
Sales Q/Q	41.75%
Earnings	Nov 03 BMO
EPS/Sales Surpr.	-10.21% 2.81%

Insider Own	14.47%
Insider Trans	0.52%
Inst Own	60.25%
Inst Trans	-1.18%
ROA	2.14%
ROE	7.94%
ROIC	2.19%
Gross Margin	-
Oper. Margin	3.99%
Profit Margin	4.84%
SMA20	-3.29%
SMA50	-9.12%
SMA200	-22.95%
Trades

Shs Outstand	97.31M
Shs Float	83.24M
Short Float	32.30%
Short Ratio	6.24
Short Interest	26.89M
52W High	52.10 -55.82%
52W Low	22.21 3.65%
Volatility	4.38% 4.51%
ATR (14)	1.14
RSI (14)	43.12
Beta	2.49
Rel Volume	0.99
Avg Volume	4.31M
Volume	4,282,295

Perf Week	-3.20%
Perf Month	0.31%
Perf Quarter	-21.78%
Perf Half Y	-29.69%
Perf YTD	-47.36%
Perf Year	-48.80%
Perf 3Y	-1.29%
Perf 5Y	-92.85%
Perf 10Y	-
Recom	2.17
Target Price	37.29
Prev Close	24.84
Price	23.02
Change %	-7.33%

Consensus

Buy

Avg. Price Target

$37.29

Implied Upside

+62.0%

Analysts14incl. previous ratings

Rating Distribution7 Buy · 6 Hold · 1 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Sep 09, 2026	Initiated	LLoop Capital	Hold	$34	+47.7%
Mar 16, 2026	Upgrade	BBTIG Research	Neutral → Buy	$43	+86.8%
Feb 17, 2026	Upgrade	CCompass Point	Sell → Neutral	$30	+30.3%
Feb 13, 2026	Upgrade	GGoldman	Sell → Neutral	$35	+52.0%
Feb 13, 2026	Downgrade	CCitizens	Mkt Perform → Mkt Underperform	$20	-13.1%
Jan 06, 2026	Initiated	TTruist	Buy	$59	+156.3%
Aug 20, 2025	Upgrade	JJP Morgan	Neutral → Overweight	$88	+282.3%
Jul 14, 2025	Resumed	GGoldman	Sell	$71	+208.4%
Jun 24, 2025	Resumed	PPiper Sandler	Overweight	$75	+225.8%
Jun 12, 2025	Initiated	SStephens	Equal-Weight	$55	+138.9%
Apr 29, 2025	Upgrade	BBofA Securities	Underperform → Neutral	$53	+130.2%
Feb 14, 2025	Upgrade	MMorgan Stanley	Underweight → Equal-Weight	$12 → $70	+204.1%
Feb 12, 2025	Upgrade	JJP Morgan	Underweight → Neutral	$57 → $79	+243.2%
Feb 12, 2025	Upgrade	RB. Riley Securities	Neutral → Buy	$49 → $105	+356.1%
Dec 13, 2024	Upgrade	NNeedham	Hold → Buy	$100	+334.4%
Dec 03, 2024	Upgrade	RRedburn Atlantic	Neutral → Buy	$37 → $95	+312.7%
Dec 02, 2024	Downgrade	JJP Morgan	Neutral → Underweight
Nov 11, 2024	Upgrade	BBTIG Research	Sell → Neutral
Nov 08, 2024	Upgrade	PPiper Sandler	Neutral → Overweight	$31 → $85	+269.2%
Nov 08, 2024	Upgrade	JJP Morgan	Underweight → Neutral	$30 → $45	+95.5%

Oct-27-26 04:05PM	Upstart Co-founder and CEO to Participate in Fireside Chat at Citi's Annual FinTech Conference 2026 (Business Wire)
Oct-26-26 06:25PM	Upstart Faces A Macro Stress Test As Investors Question Whether Q2's Inflection Can Last (Earnings Whispers)
04:16PM	Fintech for SMEs: Pipe CEO Claurelle Rakipovic, Live from Money 20/20 2026 (Exec Edge)
12:29PM	Transforming the Credit Experience: Taktile CEO & Co-Founder Maik Taro Wehmeyer, Live from Money 20/20 2026 (Exec Edge)
11:52AM	AI-Powered Credit: ChargeAfter CEO & Founder Meidad Sharon, Live from Money 20/20 2026 (Exec Edge)
11:20AM	Loading…
11:20AM	Accelerating SMEs From HK to the World: FundPark CSO & Chief of Staff Hay Yip, Live from Money 20/20 2026 (Exec Edge)
Oct-21-26 09:00AM	MIT Federal Credit Union Expands Partnership with Upstart into Indirect Auto Lending (Business Wire)
Oct-11-26 11:29AM	Upstart Stock Sits About 7% Above Its 52-Week Low as Q3 Originations Top $4.1 Billion. Time to Sell or Load Up? (TIKR)
Oct-07-26 09:00AM	Credit Union of Denver Partners with Upstart to Expand Access to Personal Lending (Business Wire)
Oct-06-26 04:05PM	Upstart to Announce Third Quarter 2026 Results on November 3, 2026 (Business Wire)
Oct-05-26 07:45AM	Upstart Publishes September 2026 Originations and Latest UMI (Business Wire) +6.75%
Sep-23-26 11:05AM	Upstart Stock Just Returned to Profit and Hit a Record Quarter. Why Is the Stock Near Its Lows? (TIKR) -5.85%
09:00AM	Commonwealth Credit Union Expands Partnership with Upstart into HELOC and Indirect Auto Lending (Business Wire)
Sep-16-26 11:05AM	Upstart Just Returned to GAAP Profitability. The Stock Is Down 50% Anyway. (TIKR)
Sep-03-26 07:45AM	Upstart Publishes August 2026 Originations and Latest UMI (Business Wire)
06:58PM	Loading…
Aug-28-26 06:58PM	UpStart Investments Files for TSXV Conditional Approval (TMX Newsfile)
Aug-25-26 04:05PM	Upstart Co-founder and CEO to Participate in Fireside Chat at the Goldman Sachs Communacopia and Technology Conference 2026 (Business Wire)
Aug-19-26 08:35PM	Figure's Take Rate Is Shrinking By Design (Trefis) +5.12% -5.69%
Aug-05-26 01:15PM	Upstart Stock Rises as Loan Volume Outgrows Its Margins (GuruFocus.com)
06:49AM	Upstart shares surge after company returns to GAAP profitability (InvestorsHub)
01:04AM	Upstart Holdings Inc (UPST) (Q2 2026) Earnings Call Highlights: Record Originations and Return ... (GuruFocus.com)
Aug-04-26 09:42PM	Why Is UPST Stock Surging Over 11% Overnight? (Stocktwits)
06:22PM	Upstart's AI upgrades pay off, as a pickup in loan growth helps send the stock higher (MarketWatch)
04:05PM	Upstart Announces Second Quarter 2026 Results (Business Wire)
02:26AM	UPST Stock Edges Higher Overnight: Can Earnings Keep The Recovery Alive? (Stocktwits)
Aug-03-26 07:55AM	Upstart Publishes July 2026 Originations and Latest UMI (Business Wire) +7.25%
Jul-29-26 10:07AM	Fintech Stock Stumbles Out of the Earnings Confessional (Schaeffer's Research)
08:45AM	Upstart Announces Multi-Year $4 Billion Forward Flow Agreement with Castlelake (Business Wire)
Jul-28-26 04:05PM	Upstart Co-founder and CEO to Participate in Fireside Chat at the Bank of America 2026 SMID Cap Conference (Business Wire)
Jul-24-26 08:08AM	Upstart nabs conditional bank charter (Banking Dive)
07:51PM	Loading…
Jul-23-26 07:51PM	Upstart Receives Conditional Approval from the OCC to Establish Upstart Bank (Business Wire)
Jul-08-26 04:05PM	Upstart Streamlines UMI Reporting (Business Wire)
Jul-06-26 05:23PM	Upstart to Announce Second Quarter 2026 Results on August 4, 2026 (Business Wire)
07:49AM	Upstart Publishes June 2026 Origination Volume (Business Wire)
Jun-25-26 06:03PM	Upstart Publishes May 2026 UMI (Business Wire)
Jun-24-26 08:45AM	Upstart Announces Agreement with Neuberger Specialty Finance for Investment in up to $600M of Consumer Loans (Business Wire)
Jun-10-26 03:55AM	Upstart's President Is Selling $456K In Stock, While Wall Street Analysts Hike Price Targets: What Gives (Stocktwits)
Jun-03-26 07:55AM	Upstart Publishes May 2026 Origination Volume (Business Wire) -6.48%
Jun-01-26 09:55AM	What's Happening With SOFI Stock? (Trefis)
03:52AM	Upstart Holdings, Inc. Sued for Securities Law Violations - Contact the DJS Law Group to Discuss Your Rights - UPST (PR Newswire)
May-28-26 04:08PM	Upstart Publishes April 2026 UMI (Business Wire) +6.41%
May-27-26 01:25PM	Ford, GM, Stellantis Join Crypto Firms In Trump-Era Bank Charter Push After Winning Preliminary FDIC Approval: Report (Stocktwits)
09:00AM	Community Choice Credit Union Selects Upstart for Personal Lending (Business Wire)
May-19-26 09:00AM	Upstart Appoints Former Santander US CEO Tim Wennes to Its Board of Directors (Business Wire)
May-13-26 09:00AM	USF Credit Union Selects Upstart for Personal Lending (Business Wire)
May-06-26 04:08PM	AI credit lending is an 'unambiguous good': Upstart CEO explains (Yahoo Finance Video) -7.92%
04:05PM	Upstart Co-founder and CEO to Participate in Fireside Chat at the J.P. Morgan Global Technology, Media & Communications Conference (Business Wire)
05:47AM	AMD shares surge to record high after earnings, and other early market movers (MarketWatch)
May-05-26 05:32PM	Upstart's stock is getting punished after earnings. Here's the big gripe. (MarketWatch)
04:05PM	Upstart Announces First Quarter 2026 Results (Business Wire)
Apr-30-26 09:00AM	Justice Federal Credit Union Selects Upstart to Expand Personal Lending (Business Wire)
Apr-29-26 08:45AM	Upstart Announces $1.25B Forward-Flow Agreement with Fortress Investment Group (Business Wire) -7.24%
Apr-24-26 06:00AM	Upstarts new millennial CEO, a Yale dropout, thinks AI can make every American 10% richer (Fortune)
Apr-23-26 08:06PM	UPST Stockholders Have Rights - If You Lost Money Investing in Upstart Holdings, Inc. Contact Robbins LLP for Information About Recovering Your Losses (PR Newswire) -5.53%
Apr-22-26 08:45AM	Upstart Announces Multi-Year $1.2B Forward-Flow Agreement with Centerbridge Partners, L.P. (Business Wire)
Apr-17-26 10:00AM	Affirm Stock Has Been Struggling. Why Morgan Stanley Named It a Top Pick. (Barrons.com)
Apr-14-26 04:54AM	Upstart Holdings, Inc. Sued for Securities Law Violations - Contact the DJS Law Group to Discuss Your Rights - UPST (PR Newswire) +5.24%
Apr-10-26 08:30AM	Upstart sued over AI models overreaction (Banking Dive)
Apr-09-26 07:15AM	Upstart Holdings, Inc. Sued for Securities Law Violations - Contact the DJS Law Group to Discuss Your Rights UPST (Business Wire)
Apr-08-26 09:00AM	DuPage Credit Union Selects Upstart for Personal Lending (Business Wire)
Apr-06-26 04:05PM	Upstart to Announce First Quarter 2026 Results on May 5, 2026 (Business Wire) +5.20%
Mar-25-26 09:00AM	Harborstone Credit Union Selects Upstart for Personal Lending (Business Wire)
Mar-20-26 09:58AM	Affirm, Fintech Stocks Hit by Private-Credit Jitters. Why You Shouldn't Panic Just Yet. (Barrons.com)
Mar-17-26 08:45AM	Upstart Announces a $1B Forward-Flow Agreement with Eltura Ventures and Aperture Investors (Business Wire)
Mar-16-26 04:57PM	Upstart's stock rises as analyst says investors have been ignoring a key catalyst (MarketWatch) +5.42%
04:34PM	Stocks Settle Sharply Higher as Crude Oil Slumps (Barchart)
11:30AM	Stocks Rally as Crude Oil and Bond Yields Fall (Barchart)
10:13AM	Stocks Rebound as Crude Oil Prices Move Lower (Barchart)
Mar-11-26 12:24PM	Upstart Seeks U.S. Bank Charter to Lower Lending Costs (GuruFocus.com)
07:33AM	Upstart seeks approval to launch national bank (Retail Banker International)
06:42AM	Upstart to apply for national bank charter (Banking Dive)
Mar-10-26 04:05PM	Upstart to Apply for National Bank Charter (Business Wire)
12:06AM	2 Reasons to Like UPST (and 1 Not So Much) (StockStory)
Mar-09-26 12:42PM	Dave Soars 165% in a Year: Should You Invest in Its Stock Now? (Zacks)
Mar-08-26 12:24PM	Upstart (UPST) to Benefit From The Latest Product Launch (Insider Monkey)
11:48AM	Needham Lowers Upstart Holdings (UPST) Price Target (Insider Monkey)
Mar-05-26 04:16PM	PayPal vs. Upstart: The fintech stock this VC is bullish on (Yahoo Finance Video)
09:40AM	2 Small-Cap Stocks to Research Further and 1 We Turn Down (StockStory)
Mar-04-26 09:00AM	Investors Heavily Search Upstart Holdings, Inc. (UPST): Here is What You Need to Know (Zacks)
Feb-27-26 01:00PM	Heard on the Street: Credit Fears Are Spreading to Consumer Lending (The Wall Street Journal) -8.22%
Feb-25-26 10:00AM	Albermarle and Upstart have been highlighted as Zacks Bull and Bear of the Day (Zacks)
04:00AM	Bear of the Day: Upstart (UPST) (Zacks)
Feb-23-26 02:49PM	Upstart Holdings Inc. (UPST) Counters Unreliable and Predatory Credit Lines with Cash Line (Insider Monkey) -6.93%
Feb-20-26 08:05AM	Upstart Announces Inaugural $200M Upstart Auto Forward-Flow Agreement with Wafra (Business Wire)
08:00AM	Upstart Announces $333M Sale of Upstart Auto Assets to Affiliates of Bayview Asset Management, LLC (Business Wire)
07:37AM	Upstart Holdings Shareholders Are Encouraged to Reach Out to Johnson Fistel for More Information About Potentially Recovering Their Losses (Business Wire)
Feb-19-26 07:28PM	Compass Point Upgrades Upstart (UPST) to Neutral, Ups PT to $30 Citing Ambitious 2028 Outlook (Insider Monkey)
07:55AM	Upstart Repurchases $100 Million of Shares (Business Wire)
Feb-18-26 04:05PM	Upstart President to Participate in Fireside Chat at the Morgan Stanley Technology, Media & Telecom Conference (Business Wire)
09:00AM	Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock (Zacks)
04:19AM	New Strong Sell Stocks for February 18th (Zacks)
Feb-17-26 02:00PM	Upstart (UPST) Stock Trades Up, Here Is Why (StockStory)
11:53AM	What Was Behind Pagaya's Positive GAAP Earnings in 2025? (Zacks)
10:45AM	Upstart Announces Cash Line, Bringing Always-On Credit to Millions of Americans (Business Wire)
12:32AM	5 Must-Read Analyst Questions From Upstart's Q4 Earnings Call (StockStory)
Feb-16-26 11:33PM	2 Volatile Stocks for Long-Term Investors and 1 Facing Challenges (StockStory)
02:22PM	68% Gap Opens Between Upstart (UPST) Price and Wall Street Targets After Earnings Selloff (24/7 Wall St.)
Feb-13-26 02:47PM	Economic Data, AI Concerns in Focus Over Volatile Week (Schaeffer's Research)
12:07PM	Citizens downgrades Upstart on valuation concerns (Investing.com)
11:29AM	PGY Shares Plunge 47.7% in a Month: Is it Time to Sell the Stock? (Zacks)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Gu Paul	Chief Executive Officer	Sep 10 '26	Buy	25.55	50,000	1,277,500	130,000	Sep 10 07:13 PM
Datta Sanjay	President, Capital& Enterprise	Sep 08 '26	Option Exercise	1.35	300,000	405,000	592,578	Sep 10 07:12 PM
Datta Sanjay	President, Capital& Enterprise	Sep 08 '26	Sale	27.29	116,000	3,166,197	476,578	Sep 10 07:12 PM
Datta Sanjay	Officer	Sep 08 '26	Proposed Sale	27.29	116,000	3,166,196		Sep 08 05:09 PM
Mirgorodskaya Natalia	See Remarks	Aug 25 '26	Sale	30.03	913	27,417	35,875	Aug 27 06:00 PM
Mirgorodskaya Natalia	Officer	Aug 25 '26	Proposed Sale	30.03	913	27,417		Aug 25 04:10 PM
Datta Sanjay	President, Capital& Enterprise	Aug 19 '26	Sale	31.46	10,000	314,633	301,523	Aug 21 06:23 PM
Datta Sanjay	President, Capital& Enterprise	Aug 20 '26	Sale	28.09	8,945	251,298	292,578	Aug 21 06:23 PM
Darling Scott	Chief Legal Officer	Aug 20 '26	Sale	28.09	7,696	216,216	73,306	Aug 21 06:23 PM
Mirgorodskaya Natalia	See Remarks	Aug 20 '26	Sale	28.09	586	16,461	36,788	Aug 21 06:23 PM
Mirgorodskaya Natalia	Officer	Aug 20 '26	Proposed Sale	28.09	586	16,461		Aug 20 04:07 PM
Darling Scott	Officer	Aug 20 '26	Proposed Sale	28.09	7,696	216,216		Aug 20 04:07 PM
Datta Sanjay	Officer	Aug 20 '26	Proposed Sale	28.09	8,945	251,298		Aug 20 04:06 PM
Datta Sanjay	President, Capital& Enterprise	Aug 17 '26	Sale	29.36	2,033	59,683	311,523	Aug 19 06:20 PM
Darling Scott	Chief Legal Officer	Aug 17 '26	Sale	29.36	814	23,898	87,186	Aug 19 06:14 PM
Blankmeyer Andrea	Chief Financial Officer	Aug 17 '26	Sale	29.36	7,175	210,646	155,208	Aug 19 06:14 PM
Blankmeyer Andrea	Chief Financial Officer	Aug 19 '26	Sale	29.33	3,000	87,990	152,208	Aug 19 06:14 PM
Datta Sanjay	Officer	Aug 19 '26	Proposed Sale	31.46	10,000	314,633		Aug 19 04:13 PM
Blankmeyer Andrea	Officer	Aug 19 '26	Proposed Sale	29.33	3,000	87,990		Aug 19 04:12 PM
Datta Sanjay	Officer	Aug 17 '26	Proposed Sale	29.36	2,033	59,683		Aug 17 05:17 PM
Darling Scott	Officer	Aug 17 '26	Proposed Sale	29.36	814	23,898		Aug 17 05:16 PM
Blankmeyer Andrea	Officer	Aug 17 '26	Proposed Sale	29.36	7,175	210,646		Aug 17 05:15 PM
Datta Sanjay	President, Capital& Enterprise	Jun 09 '26	Sale	30.41	15,000	456,116	313,556	Jun 11 04:14 PM
Datta Sanjay	Officer	Jun 09 '26	Proposed Sale	30.41	15,000	456,116		Jun 09 04:14 PM
Mirgorodskaya Natalia	See Remarks	May 26 '26	Sale	28.99	974	28,236	37,374	May 27 04:37 PM
Mirgorodskaya Natalia	Officer	May 26 '26	Proposed Sale	28.99	974	28,236		May 26 04:27 PM
Darling Scott	Chief Legal Officer	May 20 '26	Sale	28.78	6,634	190,912	88,728	May 22 04:33 PM
Datta Sanjay	President, Capital& Enterprise	May 20 '26	Sale	28.77	7,985	229,740	328,556	May 22 04:33 PM
Mirgorodskaya Natalia	See Remarks	May 20 '26	Sale	28.77	526	15,134	38,348	May 22 04:32 PM
Mirgorodskaya Natalia	Officer	May 20 '26	Proposed Sale	28.77	526	15,134		May 20 04:12 PM
Datta Sanjay	Officer	May 20 '26	Proposed Sale	28.77	7,985	229,740		May 20 04:11 PM
Darling Scott	Officer	May 20 '26	Proposed Sale	28.78	6,634	190,912		May 20 04:10 PM
Mirgorodskaya Natalia	See Remarks	May 15 '26	Option Exercise	1.35	4,600	6,210	38,874	May 18 05:08 PM
Blankmeyer Andrea	Chief Financial Officer	May 15 '26	Sale	29.63	7,044	208,703	162,383	May 18 05:07 PM
Darling Scott	Chief Legal Officer	May 15 '26	Sale	29.54	727	21,476	102,609	May 18 05:07 PM
Datta Sanjay	President, Capital& Enterprise	May 15 '26	Sale	29.56	1,817	53,707	336,541	May 18 05:07 PM
Datta Sanjay	Officer	May 15 '26	Proposed Sale	29.56	1,817	53,707		May 15 04:22 PM
Darling Scott	Officer	May 15 '26	Proposed Sale	29.54	727	21,476		May 15 04:21 PM
Blankmeyer Andrea	Officer	May 15 '26	Proposed Sale	29.63	7,044	208,703		May 15 04:16 PM
Gu Paul	Chief Executive Officer	May 13 '26	Buy	27.50	50,000	1,375,000	70,000	May 14 08:24 AM
Girouard Dave	Director	May 07 '26	Option Exercise	0.83	835,075	693,112	9,348,016	May 08 08:56 AM
Girouard Dave	Director	May 07 '26	Buy	29.37	170,240	4,999,607	8,512,941	May 08 08:54 AM
Mirgorodskaya Natalia	Officer	Mar 02 '26	Proposed Sale	26.02	390	10,148		Mar 02 04:45 PM
Mirgorodskaya Natalia	See Remarks	Feb 25 '26	Sale	28.79	866	24,932	25,289	Feb 27 04:45 PM
Mirgorodskaya Natalia	Officer	Feb 25 '26	Proposed Sale	28.79	866	24,932		Feb 25 04:21 PM
Datta Sanjay	Chief Financial Officer	Feb 20 '26	Sale	29.86	7,982	238,375	276,688	Feb 24 04:47 PM
Mirgorodskaya Natalia	See Remarks	Feb 20 '26	Sale	29.90	633	18,925	26,155	Feb 24 04:46 PM
Darling Scott	Chief Legal Officer	Feb 20 '26	Sale	29.85	6,478	193,394	86,120	Feb 24 04:46 PM
Darling Scott	Chief Legal Officer	Feb 20 '26	Sale	30.25	390	11,798	31,637	Feb 24 04:46 PM
Mirgorodskaya Natalia	Officer	Feb 20 '26	Proposed Sale	29.90	633	18,925		Feb 20 04:08 PM
Datta Sanjay	Officer	Feb 20 '26	Proposed Sale	29.86	7,982	238,375		Feb 20 04:07 PM
Darling Scott	Officer	Feb 20 '26	Proposed Sale	29.85	6,478	193,394		Feb 20 04:06 PM
Darling Scott	Officer	Feb 20 '26	Proposed Sale	30.25	390	11,798		Feb 20 04:05 PM
Darling Scott	Chief Legal Officer	Jan 22 '26	Option Exercise	13.22	7,564	99,996	24,999	Jan 23 05:44 PM
Darling Scott	Chief Legal Officer	Jan 05 '26	Option Exercise	13.22	1,000	13,220	93,598	Jan 07 05:10 PM
Darling Scott	Chief Legal Officer	Jan 05 '26	Sale	50.00	1,000	50,000	17,435	Jan 07 05:10 PM
Darling Scott	Officer	Jan 05 '26	Proposed Sale	50.00	1,000	50,000		Jan 05 04:06 PM
Cooper Kerry Whorton	Director	Dec 12 '25	Sale	50.00	1,500	75,000	23,934	Dec 16 04:32 PM
Darling Scott	Chief Legal Officer	Dec 12 '25	Option Exercise	13.22	2,000	26,440	94,598	Dec 16 04:30 PM
Darling Scott	Chief Legal Officer	Dec 12 '25	Sale	50.00	7,392	369,600	17,435	Dec 16 04:30 PM
Darling Scott	Officer	Dec 12 '25	Proposed Sale	500.00	7,392	3,696,000		Dec 12 04:15 PM
Cooper Kerry Whorton	Director	Dec 12 '25	Proposed Sale	50.00	1,500	75,000		Dec 12 04:12 PM
Mirgorodskaya Natalia	See Remarks	Nov 25 '25	Sale	38.91	762	29,649	26,398	Nov 26 04:22 PM
Mirgorodskaya Natalia	Officer	Nov 25 '25	Proposed Sale	38.91	762	29,649		Nov 25 04:07 PM
Mirgorodskaya Natalia	See Remarks	Nov 20 '25	Option Exercise	35.58	6,900	245,502	27,981	Nov 24 04:39 PM
Mirgorodskaya Natalia	See Remarks	Nov 20 '25	Sale	36.62	821	30,063	27,160	Nov 24 04:39 PM
Darling Scott	Chief Legal Officer	Nov 20 '25	Sale	36.58	7,723	282,480	97,990	Nov 24 04:38 PM
Datta Sanjay	Chief Financial Officer	Nov 20 '25	Sale	36.58	13,624	498,323	284,280	Nov 24 04:36 PM
Mirgorodskaya Natalia	Officer	Nov 20 '25	Proposed Sale	36.62	821	30,063		Nov 20 04:55 PM
Darling Scott	Officer	Nov 20 '25	Proposed Sale	36.58	7,723	282,479		Nov 20 04:54 PM
Datta Sanjay	Officer	Nov 20 '25	Proposed Sale	36.58	13,624	498,328		Nov 20 04:51 PM
Gu Paul	Chief Technology Offier	Nov 11 '25	Buy	39.23	100,000	3,922,800	80,000	Nov 13 04:31 PM

Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. It operates through the following segments: Personal Lending, Auto Lending, and Other. The Personal Lending segment focuses on unsecured personal loans and small dollar loans. The Auto Lending segment is involved in auto refinance and auto retail loans. The Other segment refers to HELOCs and other. The company was founded by David Joseph Girouard, Anna Mongayt Counselman, and Paul Gu in December 2013 and is headquartered in San Mateo, CA.

Executive Chairman & Special AdvisorMr. David J. Girouard

CEO & DirectorMr. Paul Gu

Chief Legal Officer & Corporate SecretaryMr. Scott Darling Esq.

President of Capital & EnterpriseMr. Sanjay Datta CFA

Chief Financial OfficerMs. Andrea Blankmeyer

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UPST

Upstart Holdings Inc

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