Upstart Holdings, Inc. (UPST)

Sector:
FINANCE
Industry:
GENERAL FINANCE
SIC:
FINANCE SERVICES
CEO:
David J. Girouard
Employees:
1,500
2950 S. DELAWARE STREET, SUITE 300, SAN MATEO, CA 94403
(650) 204-1000

Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company's platform aggregates consumer demand for loans and connects it to its network of AI-enabled bank partners.

Data derived from most recent annual or quarterly report
Market Cap 1.601 Billion Shares Outstanding84.06 Million Avg 30-day Volume 6.223 Million
P/E Ratio306.3809 Dividend Yield0.0 EPS0.12
Price to Revenue1.6973 Debt to Equity1.2788 EBITDA18.336 Million
Price to Book Value2.363 Operating Margin0.5047 Enterprise Value1.933 Billion
Current Ratio16.372 EPS Growth-1.071 Quick Ratio16.372
1 Yr BETA 2.987 52-week High/Low 199.8 / 14.02 Profit Margin0.554
Operating Cash Flow Growth-274.5681 Altman Z-Score2.2076 Free Cash Flow to Firm -1.271 Billion
Earnings Report2023-02-14
View SEC Filings from UPST instead.

View recent insider trading info

Funds Holding UPST (via 13F filings)

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*Please note that if a filer hasn't submitted a 13F filing for a quarter then the filer's shares will be listed as "Sold All"

Mutual Funds Holding UPST

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Active Schedule 13D and 13G filings

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Recent Filings

Events (8k)

  • 8-K: filed on 2022-11-18:
    Item 5.02: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers
    Item 5.03: Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-11-08:
    Item 2.02: Results of Operations and Financial Condition
  • 8-K: filed on 2022-11-01:
    Item 8.01: Other Events
  • 8-K: filed on 2022-10-11:
    Item 5.02: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers
  • 8-K: filed on 2022-08-08:
    Item 2.02: Results of Operations and Financial Condition
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-07-08:
    Item 2.02: Results of Operations and Financial Condition
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-05-20:
    Item 5.07: Submission of Matters to a Vote of Security Holders
  • 8-K: filed on 2022-05-09:
    Item 2.02: Results of Operations and Financial Condition
  • 8-K: filed on 2022-02-23:
    Item 8.01: Other Events
  • 8-K: filed on 2022-02-15:
    Item 2.02: Results of Operations and Financial Condition
    Item 8.01: Other Events
  • Open Market Buys/Sells Last 60 Days

    Open Market Buys (P)

    none

    Open Market Sells (S)

    11.9 Thousand total shares from 6 transactions

    Exercise Derivative Conversion (M)

    8.7 Thousand total shares from 3 transactions

    Current/Former Insiders

    Insider Name Type Last Reported Shares Held Last Reported Date Filings in past year

    DATTA SANJAY CHIEF FINANCIAL OFFICER

    • Officer
    402,232 2022-11-28 4

    MIRGORODSKAYA NATALIA CORPORATE CONTROLLER

    • Officer
    41,323 2022-11-25 7

    COOPER KERRY WHORTON

    • Director
    2,977 2022-11-11 3

    NICOLL ALISON GENERAL COUNSEL AND SECRETARY

    • Officer
    530,483 2022-06-24 30

    HUBER JEFF

    • Director
    3,327 2022-05-18 2

    SINGH CASSIDY SUKHINDER

    • Director
    4,134 2022-05-18 2

    TERRY HILLIARD C. III

    • Director
    3,700 2022-05-18 1

    HENTGES MARY

    • Director
    3,700 2022-05-18 1

    O'KELLY CIARAN

    • Director
    4,002 2022-05-18 2

    GIROUARD DAVE CHIEF EXECUTIVE OFFICER

    • Officer
    • Director
    • 10% Owner
    10,774,891 2022-05-02 7

    GU PAUL SVP, PRODUCT AND DATA SCIENCE

    • Officer
    • Director
    640,170 2022-03-01 3

    COUNSELMAN ANNA M. SVP, PEOPLE AND OPERATIONS

    • Officer
    34,351 2022-02-20 1

    LOEB DANIEL S

    THIRD POINT LLC

    • 10% Owner
    • SEE FOOTNOTE (1)
    8,100,000 2021-12-03 1

    Insider Transactions Last 60 Days

    Reporting Owners Filing Date Trans Date Trans Code Shares Share Price Acquired
    Disposed
    Shares Owned after D/I 10b5 Perf 1d* Perf 5d* Perf 1m* Max Gain Max Gain Days Max Loss Max Loss Days

    DATTA SANJAY - Officer CHIEF FINANCIAL OFFICER

    2022-11-30 17:01:35 -0500 2022-11-30 A 203,777 a 257,285 direct

    DATTA SANJAY - Officer CHIEF FINANCIAL OFFICER

    2022-11-30 17:01:35 -0500 2022-11-28 M 3,200 $1.35 a 56,708 direct yes

    DATTA SANJAY - Officer CHIEF FINANCIAL OFFICER

    2022-11-30 17:01:35 -0500 2022-11-28 S 3,200 $18.11 d 53,508 direct yes

    DATTA SANJAY - Officer CHIEF FINANCIAL OFFICER

    2022-11-30 17:01:35 -0500 2022-11-28 M 3,200 d 91,439 direct yes

    MIRGORODSKAYA NATALIA - Officer CORPORATE CONTROLLER

    2022-11-29 16:44:19 -0500 2022-11-25 S 424 $18.02 d 41,323 direct yes -2.6087 0.0 1 -2.6087 2

    MIRGORODSKAYA NATALIA - Officer CORPORATE CONTROLLER

    2022-11-23 17:25:05 -0500 2022-11-22 S 769 $18.68 d 41,747 direct -1.3499 0.0 1 -1.3499 2

    DATTA SANJAY - Officer CHIEF FINANCIAL OFFICER

    2022-11-23 17:21:42 -0500 2022-11-21 M 3,200 $1.35 a 56,708 direct yes -1.3499 0.0 1 -1.3499 2

    DATTA SANJAY - Officer CHIEF FINANCIAL OFFICER

    2022-11-23 17:21:42 -0500 2022-11-21 S 3,200 $18.55 d 53,508 direct -1.3499 0.0 1 -1.3499 2

    DATTA SANJAY - Officer CHIEF FINANCIAL OFFICER

    2022-11-23 17:21:42 -0500 2022-11-21 M 3,200 d 94,639 direct yes

    DATTA SANJAY - Officer CHIEF FINANCIAL OFFICER

    2022-11-16 18:25:21 -0500 2022-11-14 M 2,300 $1.35 a 55,808 direct yes -1.2847 -4.8304 0.0 1 -6.9887 4

    DATTA SANJAY - Officer CHIEF FINANCIAL OFFICER

    2022-11-16 18:25:21 -0500 2022-11-14 S 2,300 $22.01 d 53,508 direct -1.2847 -4.8304 0.0 1 -6.9887 4

    DATTA SANJAY - Officer CHIEF FINANCIAL OFFICER

    2022-11-16 18:25:21 -0500 2022-11-14 M 2,300 d 97,839 direct yes

    COOPER KERRY WHORTON - Director see footnote

    2022-11-15 18:02:19 -0500 2022-11-11 S 2,000 $20.92 d 768 indirect -3.6634 -9.505 0.0 1 -10.396 5

    * -

    Transaction Code Definitions
    Code Definition
    A Grant, award or other acquisition pursuant to Rule 16b-3(d)
    C Conversion of derivative security
    D Disposition to the issuer of issuer equity securities pursuant to Rule 16b-3(e)
    E Expiration of short derivative position
    F Payment of exercise price or tax liability by delivering or withholding securities incident to the receipt, exercise or vesting of a security issued in accordance with Rule 16b-3
    G Bona fide gift
    H Expiration (or cancellation) of long derivative position with value received
    I Discretionary transaction in accordance with Rule 16b-3(f) resulting in acquisition or disposition of issuer securities
    J Other acquisition or disposition
    L Small acquisition under Rule 16a-6
    M Exercise or conversion of derivative security exempted pursuant to Rule 16b-3
    O Exercise of out-of-the-money derivative security
    P Open market or private purchase of non-derivative or derivative security
    S Open market or private sale of non-derivative or derivative security
    U Disposition pursuant to a tender of shares in a change of control transaction
    W Acquisition or disposition by will or the laws of descent and distribution
    X Exercise of in-the-money or at-the-money derivative security
    Z Deposit into or withdrawal from voting trust

    IBR Securities Loan Availability

    Updated throughout the day, this shows the number of shares available to borrow. Data provided by Interactive Brokers

    Security Date/Time Rebate Rate Fee Rate Shares Available
    UPSTART HOLDINGS INC UPST 2022-12-02 12:45:03 UTC -20.6091 24.4291 6000
    UPSTART HOLDINGS INC UPST 2022-12-01 22:15:03 UTC -20.6091 24.4291 35000
    UPSTART HOLDINGS INC UPST 2022-12-01 21:45:03 UTC -20.6091 24.4291 35000
    UPSTART HOLDINGS INC UPST 2022-12-01 21:15:03 UTC -20.6091 24.4291 30000
    UPSTART HOLDINGS INC UPST 2022-12-01 20:45:03 UTC -20.5632 24.3832 30000
    UPSTART HOLDINGS INC UPST 2022-12-01 20:15:04 UTC -20.5632 24.3832 30000
    UPSTART HOLDINGS INC UPST 2022-12-01 19:45:04 UTC -20.5632 24.3832 30000
    UPSTART HOLDINGS INC UPST 2022-12-01 19:15:03 UTC -20.5632 24.3832 30000
    UPSTART HOLDINGS INC UPST 2022-12-01 18:45:03 UTC -20.1065 23.9265 30000
    UPSTART HOLDINGS INC UPST 2022-12-01 18:15:04 UTC -20.1065 23.9265 30000
    UPSTART HOLDINGS INC UPST 2022-12-01 17:45:03 UTC -20.1065 23.9265 30000
    UPSTART HOLDINGS INC UPST 2022-12-01 17:15:03 UTC -20.1065 23.9265 30000
    UPSTART HOLDINGS INC UPST 2022-12-01 16:45:04 UTC -19.8782 23.6982 30000
    UPSTART HOLDINGS INC UPST 2022-12-01 16:15:04 UTC -19.8782 23.6982 30000
    UPSTART HOLDINGS INC UPST 2022-12-01 15:45:03 UTC -19.8782 23.6982 30000
    UPSTART HOLDINGS INC UPST 2022-12-01 15:15:03 UTC -19.8782 23.6982 25000
    UPSTART HOLDINGS INC UPST 2022-12-01 14:45:04 UTC -19.8782 23.6982 25000
    UPSTART HOLDINGS INC UPST 2022-12-01 14:15:03 UTC -19.8782 23.6982 30000
    UPSTART HOLDINGS INC UPST 2022-12-01 13:45:03 UTC -21.6385 25.4585 30000
    UPSTART HOLDINGS INC UPST 2022-12-01 13:15:03 UTC -21.6385 25.4585 30000

    Current Active Short Positions

    Holder Issuer Net Short Position Position Date Origin
    AGF Investments Trust- AGFIQ Hedged Dividend Income Fund UPST -60.0 shares, $-6545.4 2022-03-31 N-PORT
    INVESTMENT MANAGERS SERIES TRUST- 361 Domestic Long/Short Equity Fund UPST -24.0 shares, $-583.92 2022-07-31 N-PORT
    NEUBERGER BERMAN ALTERNATIVE FUNDS- Neuberger Berman Long Short Fund UPST -390373.0 shares, $-9497775.09 2022-07-31 N-PORT
    Caldwell & Orkin Funds, Inc.- CALDWELL & ORKIN - GATOR CAPITAL LONG/SHORT FUND UPST -800.0 shares, $-19464.0 2022-07-31 N-PORT
    Morningstar Funds Trust- Morningstar Alternatives Fund UPST -1163.0 shares, $-28295.79 2022-07-29 N-PORT
    Steward Funds Inc- Steward Equity Market Neutral Fund UPST -1700.0 shares, $-41361.0 2022-07-29 N-PORT
    Series Portfolios Trust- Weiss Alternative Multi-Strategy Fund UPST -1232.0 shares, $-29974.56 2022-07-31 N-PORT
    Franklin Alternative Strategies Funds- Franklin K2 Alternative Strategies Fund UPST -668.0 shares, $-17301.2 2022-08-31 N-PORT
    Blackstone Alternative Investment Funds- Blackstone Alternative Multi-Strategy Fund UPST -4300.0 shares, $-89397.0 2022-09-30 N-PORT
    Guidestone Funds- Strategic Alternatives Fund UPST -794.0 shares, $-16507.26 2022-09-30 N-PORT
    AB CAP FUND, INC.- AB Select US Long/Short Portfolio UPST -22752.0 shares, $-473014.08 2022-09-30 N-PORT
    AMERICAN BEACON FUNDS- American Beacon SSI Alternative Income Fund UPST -1473.0 shares, $-30623.67 2022-09-30 N-PORT
    AQR Funds- AQR Alternative Risk Premia Fund UPST -5602.0 shares, $-116465.58 2022-09-30 N-PORT

    No recent transactions

    *** To see all congressional transactions (since 2022) for this stock, please use the congressional transaction search page***

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