InsidersTradesSigma
Track the Upstart Holdings, Inc. stock price and the full management transaction log of the company, a listed issuer based in United States. Shares are listed on the US market, under the supervision of SEC (Form 4). Operating in the Finance & Banking sector, Upstart Holdings, Inc. has published 449 reports. Market capitalisation: €2.8bn. The latest transaction was reported on 8 September 2026 (Notice of proposed sale (Form 144)). Among the most active insiders: Datta Sanjay. The full history is free.
449
Insider Decl.
n/a
Thresholds
€2m
3 ops.
Buy Volume
€126m
176 ops.
Sell Volume
Analyst consensus: bullish or bearish?
Analysts rate Upstart Holdings, Inc. Buy (bullish), based on 15 analysts. Average price target: US$40.60.
48Σ signal
This score ranks the purchase within its own market. No market currently meets the historical allocation criteria, so signals remain watch-only. Not investment advice.
Fundamental score
Ranked 23,655 of 29,064 companies
29.7
score / 100
Value23
Quality36
FCF yld-5.9%
Earn yld1.9%
EV/EBITDA40.7x
ROE7.9%
Gross mgn·
Net mgn5.2%
Debt/EBITDA16.1x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Sigma AI Analysis
Fundamental view, insider signal, bull and bear case, synthesis.
AI analysis generation is paused.
Last declaration on 8 September 2026
Declarations449 total
116,000 shares@ US$27.29480.11% mcap22.2% of flowCommonSEC144:0001921094-26-001001
913 shares@ US$30.030.0009% mcap1.2% of flowCommon StockSEC:0001833851-26-000020:0
913 shares@ US$30.02960.0009% mcap1.2% of flowCommonSEC144:0001921094-26-000956
7,696 shares@ US$28.09460.0076% mcap3.4% of flowCommon StockSEC:0001558259-26-000020:0
10,000 shares@ US$31.4633Common StockSEC:0001832808-26-000018:0
8,945 shares@ US$28.09370.0089% mcap2.3% of flowCommon StockSEC:0001832808-26-000018:1
586 shares@ US$28.08990.0006% mcap0.7% of flowCommon StockSEC:0001833851-26-000018:0
7,696 shares@ US$28.09460.0076% mcap3.5% of flowCommonSEC144:0001921094-26-000924
8,945 shares@ US$28.09370.0089% mcap2.3% of flowCommonSEC144:0001921094-26-000923
586 shares@ US$28.09040.0006% mcap0.7% of flowCommonSEC144:0001921094-26-000925
3,000 shares@ US$29.33CommonSEC144:0001921094-26-000915
10,000 shares@ US$31.46330.011% mcap3.0% of flowCommonSEC144:0001921094-26-000916
814 shares@ US$29.35880.0009% mcap0.4% of flowCommon StockSEC:0001558259-26-000017:0
2,033 shares@ US$29.35710.0021% mcap0.6% of flowCommon StockSEC:0001832808-26-000015:0
7,175 shares@ US$29.35830.0075% mcap41.4% of flowCommon StockSEC:0002124464-26-000010:0
3,000 shares@ US$29.330.0031% mcap17.3% of flowCommon StockSEC:0002124464-26-000010:1
7,175 shares@ US$29.35830.0071% mcap100.0% of flowCommonSEC144:0001921094-26-000890
814 shares@ US$29.35870.0008% mcap0.4% of flowCommonSEC144:0001921094-26-000891
2,033 shares@ US$29.35710.0020% mcap0.6% of flowCommonSEC144:0001921094-26-000892
15,000 sharesCommon StockSEC:0001832808-26-000012:0
15,000 shares@ US$30.40770.015% mcap4.5% 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% mcap4.5% of flowCommon StockSEC:0001558259-26-000014:0
7,985 shares@ US$28.77140.0063% mcap2.8% of flowCommon StockSEC:0001832808-26-000010:0
25 of 449 declarations
关于 Upstart Holdings, Inc.
Upstart Holdings, Inc. 是一家在美国纳斯达克上市的金融科技公司。Upstart成立于2012年，并于2013年12月重组为一家控股公司，建立了一个由人工智能驱动的贷款市场，连接消费者与银行和信用合作社合作伙伴。该公司表示，超过100家金融机构使用Upstart专有的机器学习模型和云应用程序，以更高效地发起信贷产品。其总部位于加利福尼亚州圣马特奥。([upstart.com](https://www.upstart.com/about?utm_source=openai)) Upstart的核心业务并非传统银行意义上的资产负债表贷款，而是一个技术赋能的信贷平台。它通过应用专有的承保模型评估借款人风险，实现贷款发起和相关软件/服务的货币化。该平台目前涵盖个人贷款、汽车零售和再融资贷款、房屋净值信贷额度以及小额救济贷款。该公司还推出了循环信贷额度Cash Line，这表明其产品范围正在逐步扩大，超越了无抵押消费贷款。([upstart.com](https://www.upstart.com/about?utm_source=openai)) 从竞争角度来看，Upstart通过人工智能和自动化实现差异化。管理层强调，其模型能够比传统基于评分的方法更精细地预测违约和提前还款风险，同时实现高比例的全自动化贷款决策。对于投资者而言，这使得Upstart成为一种混合型投资：部分是金融科技基础设施，部分是消费信贷市场，部分是人工智能软件故事。其优势在于运营杠杆和产品扩展；劣势在于对信贷周期、融资条件和合作伙伴需求的敏感性。([upstart.com](https://www.upstart.com/about?utm_source=openai)) 从地理上看，该公司主要专注于其本土市场美国。这种国内集中度相对于全球贷款机构简化了监管情况，但也使其业绩与美国宏观经济状况、利率、消费者信贷健康状况以及银行合作伙伴的发起意愿密切相关。Upstart将其使命定位为扩大美国消费者和小型企业获得负担得起且普惠的信贷的机会。([upstart.com](https://www.upstart.com/about?utm_source=openai)) 最近的公司发展具有实质性意义。2026年2月，Upstart公布了2025年全年业绩，并强调了发起量和收入的强劲增长，以及根据管理层评论恢复持续盈利。该公司还宣布了领导层变动：联合创始人兼首席技术官Paul Gu计划于2026年5月1日成为首席执行官，而联合创始人Dave Girouard将担任执行董事长。此外，Upstart为投资者推出了公开的月度发起仪表板，反映出更强的披露立场。最近的SEC Form 4文件进一步表明UPST内部交易活动持续进行。([ir.upstart.com](https://ir.upstart.com/news-releases/news-release-details/upstart-announces-fourth-quarter-and-full-year-2025-results/?utm_source=openai))
