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Upstart Holdings, Inc. Stock: price and insider trades · United States
1 insider bought €1.1M of shares over the last 90 days, the latest filed 10 Sept 2026.
Upstart Holdings, Inc.: what insiders have been doing
Headquartered in San Mateo, United States, Upstart Holdings, Inc. belongs to the Finance & Banking sector and traces its origins to 2012. Filings by its managers are published through SEC (Form 4). Between 18 October 2025 and 18 October 2026, 12 insiders published 50 filings.
The record shows 3 purchases on the open market worth €3.0M, made by 1 insider, against 21 sales worth €5.0M by 5 insiders. The totals do not cover 1 filing with an undisclosed amount. A purchase on the market is a deliberate choice to commit personal money, which is why it draws more attention than a grant. Among those who bought: 1 senior executive and 1 chief executive. One trade stands out by size: a sale of €2.7M from Datta Sanjay, disclosed on 10 September 2026, or 0.13% of market capitalisation.
With 50 filings in twelve months, the company is more active than the median of 19 filings across the 5,812 companies we follow on the same exchange. The full history, which starts in 2021, counts 4 purchases against 175 sales. The 10-K for the year ended 31 December 2025 shows 53.6 m USD of net income.
The last insider purchase was made public on 10 September 2026, 37 days ago. Between a trade and the moment it shows up on SEC (Form 4), the median delay is 2 days. The legal deadline for a Form 4 is two business days after the transaction. Selling is not necessarily a view on the stock: liquidity needs and diversification are common motives.
In the same sector, recent insider purchases at First Guaranty Bancshares, Inc. and Avidia Bancorp, Inc. also feature in our signals. Every figure here comes from the filings published by SEC (Form 4) and describes the past, not future prices; it is not investment advice.
Insider Decl.
449
Thresholds
n/a
Buy Volume
€3M
4 ops. · all time
Sell Volume
€125M
175 ops. · all time
Who traded when
BuySaleSanjay Datta15 sales
Natalia Mirgorodskaya13 sales
Scott Darling12 sales
Kerry Whorton Cooper5 sales
Paul Gu3 buys2 sales
Andrea Blankmeyer2 sales
+2 other insiders
Since the insiders bought
- -11.1%Entry US$25.59 · Close 14 Oct 2026 US$22.74
- +3.3%Entry US$24.59 · Close at T+365 US$25.41
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Upstart Holdings, Inc. Buy (bullish), based on 16 analysts. Average price target: US$38.50.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 19,453 of 24,148 companies
30.5
score / 100
Value25
Quality36
FCF yld-7.4%
Earn yld2.4%
EV/EBITDA35.7x
ROE7.9%
Gross mgn·
Net mgn5.2%
Debt/EBITDA16.1x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$22.74
Analyst consensus
16 analystsBuy
US$20.00Target US$38.50(+69%)US$61.00
Income statement
RevenueUS$1B
EBITDAUS$115.1M11% margin
Net incomeUS$53.6M4.7% margin
Valuation
PER (trailing)45.5x
PER (forward)6.3x
P/Book2.8x
Beta2.43
Balance sheet & cash
Market capUS$2.2B
Total debtUS$1.9B
Free Cash Flow-US$166.1M
Debt / Equity258%
Profitability & ownership
ROE7.9%
ROA2.0%
% insiders12.9%
% institutions62.7%
Last declaration on 10 September 2026
Declarations449 total
300,000 shares@ US$1.350.017% mcap2.3% of flowCommon StockSEC:0001832808-26-000020:0
116,000 shares@ US$27.29480.13% mcap17.8% of flowCommon StockSEC:0001832808-26-000020:1
116,000 shares@ US$27.29480.13% mcap17.8% of flowCommonSEC144:0001921094-26-001001
913 shares@ US$30.030.0011% mcap1.2% of flowCommon StockSEC:0001833851-26-000020:0
913 shares@ US$30.02960.0011% mcap1.2% of flowCommonSEC144:0001921094-26-000956
7,696 shares@ US$28.09460.0090% mcap3.4% of flowCommon StockSEC:0001558259-26-000020:0
8,945 shares@ US$28.09370.010% mcap1.4% of flowCommon StockSEC:0001832808-26-000018:1
586 shares@ US$28.08990.0007% mcap0.7% of flowCommon StockSEC:0001833851-26-000018:0
7,696 shares@ US$28.09460.0090% mcap3.4% of flowCommonSEC144:0001921094-26-000924
8,945 shares@ US$28.09370.010% mcap1.4% of flowCommonSEC144:0001921094-26-000923
586 shares@ US$28.09040.0007% mcap0.7% of flowCommonSEC144:0001921094-26-000925
10,000 shares@ US$31.46330.013% mcap1.8% of flowCommonSEC144:0001921094-26-000916
2,033 shares@ US$29.35710.0025% mcap0.3% of flowCommon StockSEC:0001832808-26-000015:0
7,175 shares@ US$29.35830.0088% mcap41.4% of flowCommon StockSEC:0002124464-26-000010:0
3,000 shares@ US$29.330.0037% mcap17.3% of flowCommon StockSEC:0002124464-26-000010:1
814 shares@ US$29.35880.0010% mcap0.4% of flowCommon StockSEC:0001558259-26-000017:0
7,175 shares@ US$29.35830.0088% mcap41.4% of flowCommonSEC144:0001921094-26-000890
814 shares@ US$29.35870.0010% mcap0.4% of flowCommonSEC144:0001921094-26-000891
2,033 shares@ US$29.35710.0025% mcap0.3% of flowCommonSEC144:0001921094-26-000892
15,000 sharesCommon StockSEC:0001832808-26-000012:0
15,000 shares@ US$30.40770.015% mcap2.6% of flowCommonSEC144:0001921094-26-000623
6,476 shares0Common StockSEC:0001817263-26-000004:0
6,476 shares0Common StockSEC:0002051703-26-000006:0
6,634 shares@ US$28.77780.0052% mcap3.0% of flowCommon StockSEC:0001558259-26-000014:0
25 of 449 declarations
About Upstart Holdings, Inc.
Upstart Holdings, Inc. is a United States-based financial technology company listed on the NASDAQ. Founded in 2012 and reorganized into a holding company in December 2013, Upstart has built an AI-driven lending marketplace that connects consumers with bank and credit-union partners. The company says more than 100 financial institutions use Upstart’s proprietary machine-learning models and cloud applications to originate credit products more efficiently. Its headquarters are in San Mateo, California. ([upstart.com](https://www.upstart.com/about?utm_source=openai))
Upstart’s core business is not traditional balance-sheet lending in the classic bank sense, but a technology-enabled credit platform. It monetizes loan originations and related software/services while applying proprietary underwriting models to assess borrower risk. The platform currently spans personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar relief loans. The company has also introduced Cash Line, a revolving line of credit, signaling a gradual broadening of its product set beyond unsecured consumer lending. ([upstart.com](https://www.upstart.com/about?utm_source=openai))
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From a competitive standpoint, Upstart differentiates itself through artificial intelligence and automation. Management emphasizes that its models can predict default and prepayment risk at a more granular level than traditional score-based approaches, while enabling a high share of fully automated loan decisions. For investors, that makes Upstart a hybrid exposure: part fintech infrastructure, part consumer credit marketplace, and part AI software story. The upside is operating leverage and product expansion; the downside is sensitivity to credit cycles, funding conditions, and partner demand. ([upstart.com](https://www.upstart.com/about?utm_source=openai))
Geographically, the company remains primarily focused on the United States, its home market. That domestic concentration simplifies the regulatory picture relative to a global lender, but it also ties performance closely to U.S. macroeconomic conditions, interest rates, consumer credit health, and bank-partner appetite for originations. Upstart positions its mission as expanding access to affordable and inclusive credit for American consumers and small businesses. ([upstart.com](https://www.upstart.com/about?utm_source=openai))
Recent corporate developments have been material. In February 2026, Upstart reported full-year 2025 results and highlighted strong growth in originations and revenue, along with a return to sustained profitability according to management commentary. The company also announced a leadership transition: co-founder and CTO Paul Gu is scheduled to become CEO on May 1, 2026, while co-founder Dave Girouard will become Executive Chairman. In addition, Upstart launched a public monthly origination dashboard for investors, reflecting a stronger disclosure posture. Recent SEC Form 4 filings further indicate ongoing insider transaction activity around UPST. ([ir.upstart.com](https://ir.upstart.com/news-releases/news-release-details/upstart-announces-fourth-quarter-and-full-year-2025-results/?utm_source=openai))
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