Upstart Holdings, Inc.
Upstart Holdings, Inc. (UPST) Stock Ownership
Institutional vs insider vs public ownership from 13F and float data — top holders, activity, and insider trades below.
SEC 13F · FMP · UPST · as of Mar 31, 2025
Ownership Breakdown
450
Institutional Holders
▼ 14 vs Q4
$2.77B
Total Inst. Value
▼ $818.68M vs Q4
95.71M
Shares Outstanding
freeFloat 85.58%
60.26M
13F Shares Held
▲ 1.70M vs Q4
Institutional ownership = 13F shares ÷ total outstanding. Insider % = 100 − free float. Public % = free float − institution %. Data: FMP /symbol-positions-summary + /shares-float + SEC EDGAR.
Top Institutional Holders
UPST largest shareholders · institutional ownership
Q1 2025 · SEC 13F
Showing top 10 holders
| Holder | Shares | % Owned | Weight | Value | Reported | Change |
|---|---|---|---|---|---|---|
VANGUARD GROUP INC finance services | 8.01M | 8.50% | 8.50% | $368.91B | May 9, 2025 | ▲ 221.2K |
BLACKROCK, INC. finance services | 6.51M | 6.91% | 6.91% | $299.66B | May 2, 2025 | ▲ 198.6K |
SUSQUEHANNA INTERNATIONAL GROUP, LLP finance services | 2.87M | 3.04% | 3.04% | $132.14B | May 14, 2025 | ▼ 913.4K |
SUSQUEHANNA INTERNATIONAL GROUP, LLP finance services | 2.49M | 2.64% | 2.64% | $114.75B | May 14, 2025 | ▼ 868.0K |
JANE STREET GROUP, LLC finance services | 2.21M | 2.34% | 2.34% | $101.50B | May 19, 2025 | ▼ 783.3K |
CITADEL ADVISORS LLC finance services | 2.05M | 2.18% | 2.18% | $94.59B | May 15, 2025 | ▼ 39.1K |
STATE STREET CORP finance services | 2.01M | 2.13% | 2.13% | $92.46B | May 15, 2025 | ▼ 22.8K |
GEODE CAPITAL MANAGEMENT, LLC finance services | 1.94M | 2.05% | 2.05% | $89.11B | May 13, 2025 | ▲ 89.1K |
GOLDMAN SACHS GROUP INC finance services | 1.83M | 1.94% | 1.94% | $84.21B | Jun 27, 2025 | ▼ 583.9K |
FRED ALGER MANAGEMENT, LLC finance services | 1.76M | 1.87% | 1.87% | $81.20B | May 16, 2025 | ▼ 151.0K |
Data from SEC Form 13F filings. Ownership bar normalised to largest holder. Change flags: isNew / isSoldOut / changeInSharesNumber (FMP extract-analytics/holder).
Institutional Activity
Q1 2025 vs prior quarter
Q1 2025
23
Increased
+6.97M shares2
New Positions
first time holders25
Decreased
−11.25M shares0
Sold Out
fully exitedNet shares change (top 50)
4.28M
+6.97M / −11.25M
Net new holders
+0
2 new / 0 exited
Based on top 50 institutional holders by position size. Fields: isNew, isSoldOut, changeInSharesNumber (FMP extract-analytics/holder, limit=50).
Insider Buying vs Selling
UPST insider trading · insider activity
Source: SEC Form 4
Insiders have been primarily selling shares recently. Selling may be driven by pre-scheduled Rule 10b5-1 plans rather than negative sentiment.
5
Buy transactions
13
Sell transactions
0.38
Buy/Sell ratio
$1M
Total disposed
Recent Insider Transactions
Showing 10 most recent · Common Stock only
| Name · Role | Date | Type | Shares | Price | Value | After Trans. | Filing |
|---|---|---|---|---|---|---|---|
Wennes Timothy H director | May 29, 2026 | Award | 6,476 | — | — | 6.5K | Form 4 ↗ |
Terry Hilliard C. III director | May 29, 2026 | Award | 6,476 | — | — | 37.4K | Form 4 ↗ |
Hentges Mary director | May 29, 2026 | Award | 6,476 | — | — | 37.1K | Form 4 ↗ |
Bernard Peter J director | May 29, 2026 | Award | 6,476 | — | — | 11.4K | Form 4 ↗ |
Cooper Kerry Whorton director | May 29, 2026 | Award | 6,476 | — | — | 6.5K | Form 4 ↗ |
O'Kelly Ciaran director | May 29, 2026 | Award | 6,476 | — | — | 39.5K | Form 4 ↗ |
Mirgorodskaya Natalia See Remarks | May 26, 2026 | Sale | 974 | $28.99 | $28.2K | 37.4K | Form 4 ↗ |
Darling Scott Chief Legal Officer | May 20, 2026 | Sale | 6,634 | $28.78 | $190.9K | 88.7K | Form 4 ↗ |
Datta Sanjay President, Capital& Enterprise | May 20, 2026 | Sale | 7,985 | $28.77 | $229.7K | 328.6K | Form 4 ↗ |
Mirgorodskaya Natalia See Remarks | May 20, 2026 | Sale | 526 | $28.77 | $15.1K | 38.3K | Form 4 ↗ |
Source: /insider-trading/search (FMP stable). Buy/Sell direction: acquisitionOrDisposition A=Buy, D=Sell. RSU vesting (M-Exempt) excluded from sentiment bar. All data from SEC EDGAR public filings.
About institutional & insider ownership
Upstart Holdings, Inc. (UPST) is primarily owned by institutional investors, who hold approximately 63.0% of total shares outstanding. Company insiders own approximately 14.42%, while retail and public investors account for the remaining 22.62%.
The largest institutional shareholder of Upstart Holdings, Inc. is VANGUARD GROUP INC, holding approximately 8.01 million shares — equal to 8.50% of outstanding shares — as of March 31, 2025.
A total of 450 institutional investors currently hold UPST stock, with a combined institutional value of approximately $2.77 billion as of the most recent 13F filing period.
Frequently asked questions
UPST ownershipUpstart Holdings, Inc. (UPST) is primarily owned by institutional investors, who hold approximately 63.0% of shares. The largest shareholder is VANGUARD GROUP INC with a 8.50% stake. Company insiders hold 14.42%. Data sourced from SEC Form 13F as of March 31, 2025.