Upstart Holdings, Inc.
Upstart Holdings, Inc. (UPST) has a dated report snapshot, but its current priced-in claim is temporarily suppressed because the live engine record is unavailable or has changed.
• Upstart is an AI lending marketplace, not a balance-sheet lender: it underwrites consumer loans with machine-learning models and funds them through lending partners and institutional investors, securing over $4 billion of new committed capital so far in 2026 to keep the volume flowing. [Source: Upstart Q1 2026 earnings release, May 2026] • Growth has re-accelerated hard: Q1 2026 originations of about $3.4 billion rose 61% year over year, revenue of $308 million rose 44%, and home loans grew 25
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327 institutional managers reported holding UPST in 13F filings for the quarter ended 2026-03-31. Together they hold about 58% of the company; the top 10 hold 34%. 44 opened new positions that quarter. Held by Vanguard Group, BlackRock, Morgan Stanley, among others. On the short side, 26.8M shares were sold short as of the 2026-06-15 count, about 28% of shares outstanding (5.7 days of typical volume to cover).
Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.
UPST's share count grew 26.4% over the past five years even with $277.94M spent on repurchases. It pays no dividend. Cash returned over the past three years: $100.06M in repurchases.
Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.
Open-market insider buys at UPST over the trailing three years: 2025: 2 buys totaling $3.92M. 12 officers and directors are on file.
Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.
UPST's recent reports: the day-one move, then what the following quarter actually did.
| report | day one | next quarter |
|---|---|---|
| 2023-08-10 | -34.5% | -13.6% |
| 2023-11-09 | -27.1% | +57.4% |
| 2024-02-16 | -25.4% | -16.4% |
| 2024-05-09 | -10.1% | +2.8% |
Day-one is the close-to-close move around the filing. Nothing here is investment advice.
UPST's latest 8-K filings: 2026-05-28 (items 5.07); 2026-05-19 (items 5.02, 9.01); 2026-05-05 (items 2.02, 9.01); 2026-03-10 (items 8.01, 9.01); 2026-02-19 (items 8.01, 9.01).
Item codes are the SEC's own classification of what each report discloses. Nothing here is investment advice.
Last analyzed: July 3, 2026
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