Upstart Holdings, Inc. (UPST) Ownership
UPST ownership summary
as of October 18, 2026- Institutions
- 62.7% of shares outstanding
- Insiders
- 12.94% of shares outstanding
- Shares outstanding
- 97.3M
- Float
- 83.7M shares available to trade
- Short interest
- 33.58% 28.6M shares short
- Days to cover
- 6.55 short interest up 3.3% vs prior month
- Institutions 62.72%
- Insiders 12.94%
- Other investors 24.35%
UPST top institutional holders
20 largest| # | Holder | % of shares | Shares | Value | Change | Reported |
|---|---|---|---|---|---|---|
| 1 | BlackRock Inc | 8.10% | 7.9M | $185.6M | +475,638 (+6.4%) | June 30, 2026 |
| 2 | Vanguard Portfolio Management, LLC | 3.84% | 3.7M | $88.1M | −3,783 (−0.1%) | June 30, 2026 |
| 3 | Vanguard Capital Management, LLC | 3.80% | 3.7M | $87.1M | −53,497 (−1.4%) | June 30, 2026 |
| 4 | Morgan Stanley - Brokerage Accounts | 2.48% | 2.4M | $56.9M | −1.6M (−39.3%) | June 30, 2026 |
| 5 | The Goldman Sachs Group Inc | 2.46% | 2.4M | $56.4M | +835,736 (+53.6%) | June 30, 2026 |
| 6 | Marshall Wace Asset Management Ltd | 2.44% | 2.4M | $55.9M | −909,420 (−27.7%) | June 30, 2026 |
| 7 | Geode Capital Management, LLC | 2.29% | 2.2M | $52.5M | +104,553 (+4.9%) | June 30, 2026 |
| 8 | State Street Corp | 2.18% | 2.1M | $49.9M | +65,381 (+3.2%) | June 30, 2026 |
| 9 | Clear Street Group Inc | 1.88% | 1.8M | $43.1M | +273,857 (+17.6%) | June 30, 2026 |
| 10 | Halter Ferguson Financial Inc | 1.80% | 1.7M | $41.2M | +280,759 (+19.1%) | June 30, 2026 |
| 11 | Bank of America Corp | 1.55% | 1.5M | $35.6M | +1.0M (+198.9%) | June 30, 2026 |
| 12 | UBS Group AG | 1.54% | 1.5M | $35.4M | +621,569 (+70.5%) | June 30, 2026 |
| 13 | LuminArx Capital Management LP | 1.54% | 1.5M | $35.3M | +1.5M (0.0%) | June 30, 2026 |
| 14 | Citigroup Inc | 1.17% | 1.1M | $26.8M | +329,341 (+40.8%) | June 30, 2026 |
| 15 | Barclays PLC | 1.16% | 1.1M | $26.6M | −143,311 (−11.3%) | June 30, 2026 |
| 16 | Baillie Gifford & Co Limited. | 1.11% | 1.1M | $25.5M | −25,138 (−2.3%) | June 30, 2026 |
| 17 | Dimensional Fund Advisors, Inc. | 1.09% | 1.1M | $25.0M | +36,989 (+3.6%) | June 30, 2026 |
| 18 | Citadel Advisors Llc | 0.98% | 956K | $22.5M | +324,423 (+51.4%) | June 30, 2026 |
| 19 | Susquehanna International Group, LLP | 0.95% | 920K | $21.7M | +594,147 (+182.2%) | June 30, 2026 |
| 20 | Point72 Asset Management, L.P. | 0.91% | 885K | $20.9M | +129,099 (+17.1%) | June 30, 2026 |
Value at the latest close. Change = shares bought or sold in the latest quarterly filing (13F). In the top 20, 14 holders added 6.6M shares and 6 cut 2.7M.
UPST top mutual fund and ETF holders
20 largest| # | Holder | % of shares | Shares | Value | Change | Reported |
|---|---|---|---|---|---|---|
| 1 | Vanguard MStar Total Stk Mkt Idx Invest | 2.65% | 2.6M | $60.9M | −4,377 (−0.2%) | August 31, 2026 |
| 2 | iShares Russell 2000 ETF | 2.31% | 2.2M | $52.9M | +36,415 (+1.6%) | September 30, 2026 |
| 3 | Vanguard Small Cap Index | 1.92% | 1.9M | $44.1M | +1,779 (+0.1%) | August 31, 2026 |
| 4 | Vanguard MStar Small Cap Growth Indx Inv | 1.11% | 1.1M | $25.4M | +3,099 (+0.3%) | August 31, 2026 |
| 5 | Fidelity Enhanced Small Cap Core ETF | 1.00% | 974K | $23.0M | +2,043 (+0.2%) | September 30, 2026 |
| 6 | Fidelity Small Cap Index | 0.96% | 936K | $22.1M | +7,871 (+0.8%) | July 31, 2026 |
| 7 | iShares Russell 2000 Growth ETF | 0.83% | 811K | $19.1M | — | September 30, 2026 |
| 8 | Edinburgh Worldwide Ord | 0.53% | 515K | $12.1M | — | June 30, 2026 |
| 9 | Vanguard Russell 2000 ETF | 0.51% | 492K | $11.6M | +11,902 (+2.5%) | August 31, 2026 |
| 10 | Schwab US Small-Cap ETF™ | 0.45% | 440K | $10.4M | +297 (+0.1%) | September 30, 2026 |
| 11 | BlackRock Advantage Small Cap Core Instl | 0.45% | 436K | $10.3M | +99,751 (+29.6%) | August 31, 2026 |
| 12 | Baillie Gifford Global Discovery A Acc | 0.29% | 282K | $6.6M | +10,651 (+3.9%) | August 31, 2026 |
| 13 | Dimensional US Small Cap ETF | 0.28% | 268K | $6.3M | — | September 30, 2026 |
| 14 | Fidelity Extended Market Index | 0.24% | 235K | $5.5M | −102,140 (−30.3%) | August 31, 2026 |
| 15 | DFA US Small Cap I | 0.23% | 226K | $5.3M | −118,287 (−34.4%) | August 31, 2026 |
| 16 | Schwab Small Cap Index | 0.21% | 209K | $4.9M | +1,276 (+0.6%) | August 31, 2026 |
| 17 | Alger Weatherbie Specialized Growth A | 0.17% | 167K | $3.9M | — | July 31, 2026 |
| 18 | Fidelity Total Market Index | 0.17% | 163K | $3.9M | — | August 31, 2026 |
| 19 | First Trust Small Cap Gr AlphaDEX® ETF | 0.16% | 160K | $3.8M | +282 (+0.2%) | September 30, 2026 |
| 20 | Stt Strt SPDR® Russell2000 US SmCapETF | 0.16% | 157K | $3.7M | +7,520 (+5.0%) | August 31, 2026 |
Funds report holdings monthly or quarterly; dates differ by fund.
UPST insider transactions
latest 20| Date | Name | Transaction | Price | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-25 | Natalia Mirgorodskaya | Sell | $28.79 | 866 | $24,932 |
| 2026-02-20 | Natalia Mirgorodskaya | Sell | $29.90 | 633 | $18,927 |
| 2026-02-20 | Sanjay Datta | Sell | $29.86 | 7,982 | $238,343 |
| 2025-12-12 | Kerry Whorton Cooper | Sell | $50.00 | 1,500 | $75,000 |
| 2025-11-25 | Natalia Mirgorodskaya | Sell | $38.91 | 762 | $29,649 |
| 2025-11-20 | Natalia Mirgorodskaya | Sell | $36.62 | 821 | $30,065 |
| 2025-11-20 | Sanjay Datta | Sell | $36.58 | 13,624 | $498,366 |
| 2025-11-11 | Paul Gu | Buy | $39.23 | 100,000 | $3.9M |
| 2025-09-15 | Dave Girouard | Sell | $64.93 | 41,667 | $2.7M |
| 2025-09-02 | Kerry Whorton Cooper | Sell | $69.21 | 500 | $34,605 |
| 2025-09-02 | Natalia Mirgorodskaya | Sell | $69.21 | 1,439 | $99,593 |
| 2025-09-02 | Paul Gu | Sell | $68.61 | 5,000 | $343,050 |
| 2025-08-25 | Natalia Mirgorodskaya | Sell | $68.00 | 1,024 | $69,632 |
| 2025-08-22 | Natalia Mirgorodskaya | Sell | $70.00 | 365 | $25,550 |
| 2025-08-20 | Natalia Mirgorodskaya | Sell | $61.12 | 1,079 | $65,948 |
| 2025-08-20 | Sanjay Datta | Sell | $61.12 | 13,473 | $823,470 |
| 2025-08-15 | Dave Girouard | Sell | $63.27 | 41,667 | $2.6M |
| 2025-07-15 | Dave Girouard | Sell | $75.07 | 41,667 | $3.1M |
| 2025-07-08 | Natalia Mirgorodskaya | Sell | $80.07 | 4,000 | $320,280 |
| 2025-07-02 | Natalia Mirgorodskaya | Sell | $70.06 | 6,533 | $457,702 |
Reported trades by company officers, directors and other filers (including disclosures by members of Congress where EODHD lists them). "—" where the filing gives no share count.
UPST shares outstanding
Year-end shares outstanding, adjusted for splits.
Who owns UPST
Institutional investors own 62.7% of Upstart's shares and insiders 12.94%. The largest holder is BlackRock Inc with 8.10% of the shares (7.9M), as of June 30, 2026. Among the top 20 institutions, 14 added shares and 6 reduced their stake in the latest filings. Short interest is 33.58% of the float, or 6.55 days of average trading volume. The share count rose 701.6% since 2018.
Related: UPST analyst forecast, UPST key metrics. See the UPST stock overview for the latest quote and news.
UPST ownership FAQ
Who owns the most Upstart stock?
The largest shareholders of Upstart are BlackRock Inc (8.10%), Vanguard Portfolio Management, LLC (3.84%), Vanguard Capital Management, LLC (3.80%), Morgan Stanley - Brokerage Accounts (2.48%), The Goldman Sachs Group Inc (2.46%).
What percentage of Upstart is owned by institutions?
Institutions hold 62.7% of Upstart's shares outstanding; insiders hold 12.94%.
Which funds own Upstart?
The largest fund holders of Upstart are Vanguard MStar Total Stk Mkt Idx Invest (2.65%), iShares Russell 2000 ETF (2.31%), Vanguard Small Cap Index (1.92%), Vanguard MStar Small Cap Growth Indx Inv (1.11%), Fidelity Enhanced Small Cap Core ETF (1.00%).
What is Upstart's short interest?
28.6M shares of Upstart were sold short, 33.58% of the float; at the average daily volume it would take 6.55 days to cover.
Are insiders buying or selling Upstart?
Of the latest 20 reported insider transactions in Upstart (since July 2, 2025), 1 were purchases and 19 were sales.
How many shares of Upstart are outstanding?
Upstart has 97.3M shares outstanding, of which 83.7M are in the public float.