Upstart Holdings Company Insiders
| UPST Stock | USD 29.67 1.23 4.32% |
Slightly above 94 percent of Upstart Holdings' insiders are activelly selling. The analysis of insider sentiment suggests that a very large number of Upstart Holdings insiders are, at present, panicking. Upstart Holdings employs about 1.4 K people. The company is managed by 15 executives with a total tenure of roughly 3279 years, averaging almost 218.0 years of service per executive, having 93.67 employees per reported executive.
Insider Sentiment 6
Mostly Selling
Selling | Buying |
Latest Trades
| 2026-02-20 | Natalia Mirgorodskaya | Disposed 633 @ 29.9 | View | ||
| 2025-12-12 | Kerry Whorton Cooper | Disposed 1500 @ 50 | View | ||
| 2025-11-25 | Natalia Mirgorodskaya | Disposed 762 @ 38.91 | View | ||
| 2025-11-20 | Sanjay Datta | Disposed 13624 @ 36.58 | View | ||
| 2025-11-11 | Paul Gu | Acquired 100000 @ 39.23 | View | ||
| 2025-09-15 | Dave Girouard | Disposed 41667 @ 64.93 | View | ||
| 2025-09-02 | Paul Gu | Disposed 5000 @ 68.61 | View | ||
| 2025-08-25 | Natalia Mirgorodskaya | Disposed 1024 @ 68 | View | ||
| 2025-08-22 | Natalia Mirgorodskaya | Disposed 365 @ 70 | View | ||
| 2025-08-20 | Sanjay Datta | Disposed 13473 @ 61.12 | View | ||
| 2025-08-15 | Dave Girouard | Disposed 41667 @ 63.27 | View | ||
| 2025-07-15 | Dave Girouard | Disposed 41667 @ 75.07 | View | ||
| 2025-07-08 | Natalia Mirgorodskaya | Disposed 4000 @ 80.07 | View | ||
| 2025-07-02 | Natalia Mirgorodskaya | Disposed 6533 @ 70.06 | View | ||
| 2025-06-20 | Dave Girouard | Disposed 41667 @ 60.05 | View |
Monitoring Upstart Holdings' insider sentiment can offer insights into its future performance, as insiders often have access to more information about their company's operations, financial health, and upcoming initiatives than the general public. However, it's essential to note that insider trading is regulated by securities laws, and insiders are required to disclose their trades publicly to ensure transparency and prevent unfair advantages based on non-public information.
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Upstart Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators. Upstart Holdings' Workforce Through the Years
Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with Upstart Holdings' future performance. Based on our forecasts, it is anticipated that Upstart will maintain a workforce of slightly above 1410 employees by March 2026.Upstart Holdings Management Team Effectiveness
The company has return on total asset (ROA) of 0.0174 % which means that it generated a profit of $0.0174 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0749 %, meaning that it created $0.0749 on every $100 dollars invested by stockholders. Upstart Holdings' management efficiency ratios could be used to measure how well Upstart Holdings manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is likely to gain to 0.02 in 2026. Return On Capital Employed is likely to gain to 0.02 in 2026. Total Current Liabilities is likely to drop to about 291.6 M in 2026. Liabilities And Stockholders Equity is likely to drop to about 1.7 B in 2026Common Stock Shares Outstanding is likely to drop to about 64.4 M in 2026. Net Loss is likely to gain to about (92.9 M) in 2026Upstart Holdings shows a total of 98.06 Million outstanding shares. Over half of Upstart Holdings' outstanding shares are owned by institutional holders. These institutional holders are typically referred to as corporate investors that take positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company owns, if the real value of the company is less than the current market value, you may not be able to make money on it.
Shares in Circulation | First Issued 2019-09-30 | Previous Quarter 109.7 M | Current Value 112.2 M | Avarage Shares Outstanding 75 M | Quarterly Volatility 32.6 M |
Upstart Holdings Workforce Comparison
Upstart Holdings is rated below average in number of employees category among its peers. The total workforce of Financials industry is at this time estimated at about 35,329. Upstart Holdings holds roughly 1,405 in number of employees claiming about 4% of equities under Financials industry.
Upstart Holdings Profit Margins
The company has Profit Margin (PM) of 0.05 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.09 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.09.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.75 | 0.9521 |
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Upstart Holdings Insider Trading History
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Upstart Holdings insiders, such as employees or executives, is commonly permitted as long as it does not rely on Upstart Holdings' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Upstart Holdings insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
| Buy/Sell Ratio | # Purchases Trades | # Sales Trades | Total Shares Purchased | Total Shares Sold | |
|---|---|---|---|---|---|
| 2026-03-01 | 1.5 | 6 | 4 | 13,025 | 10,564 |
| 2025-12-01 | 0.4706 | 8 | 17 | 118,292 | 52,114 |
| 2025-09-01 | 0.3636 | 16 | 44 | 162,264 | 355,298 |
| 2025-06-01 | 0.6667 | 14 | 21 | 186,003 | 282,899 |
| 2025-03-01 | 0.8235 | 28 | 34 | 703,254 | 375,571 |
| 2024-12-01 | 0.2574 | 26 | 101 | 682,020 | 1,396,209 |
| 2024-09-01 | 0.2222 | 14 | 63 | 184,500 | 466,550 |
| 2024-06-01 | 0.5238 | 11 | 21 | 220,832 | 378,157 |
| 2024-03-01 | 0.5333 | 24 | 45 | 1,003,631 | 313,221 |
| 2023-12-01 | 0.2 | 11 | 55 | 104,800 | 282,994 |
| 2023-09-01 | 0.1786 | 5 | 28 | 30,200 | 117,674 |
| 2023-06-01 | 0.7 | 14 | 20 | 94,214 | 119,200 |
| 2023-03-01 | 0.8182 | 27 | 33 | 1,857,100 | 127,600 |
| 2022-12-01 | 0.6842 | 13 | 19 | 1,158,120 | 115,369 |
| 2022-09-01 | 0.6667 | 2 | 3 | 17,137 | 5,126 |
| 2022-06-01 | 0.2692 | 7 | 26 | 20,536 | 120,812 |
| 2022-03-01 | 0.1835 | 29 | 158 | 1,034,347 | 518,526 |
| 2021-12-01 | 0.0516 | 28 | 543 | 786,550 | 6,079,551 |
| 2021-09-01 | 0.0847 | 16 | 189 | 1,131,855 | 3,343,857 |
| 2021-06-01 | 6.0 | 6 | 1 | 7,492 | 186.00 |
| 2021-03-01 | 16.0 | 16 | 1 | 418,620 | 10,000 |
| 2020-12-01 | 0.1404 | 8 | 57 | 14,534,331 | 21,823,409 |
| 2012-06-01 | 2.5 | 5 | 2 | 10,500,000 | 600,000 |
| 2012-03-01 | 4.0 | 4 | 1 | 3,150,000 | 50,000 |
| 2011-06-01 | 1.0 | 2 | 2 | 3,500,000 | 35,000 |
| 2011-03-01 | 2.0 | 4 | 2 | 1,075,000 | 3,500,000 |
| 2010-12-01 | 2.0 | 2 | 1 | 8,000,000 | 10,000,000 |
Upstart Holdings Notable Stakeholders
An Upstart Holdings stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Upstart Holdings often face trade-offs trying to please all of them. Upstart Holdings' stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Upstart Holdings' stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
| Paul Gu | CoFounder Director | Profile | |
| Alice Berry | Senior Treasury | Profile | |
| Scott Darling | Chief Sec | Profile | |
| Chelsea Williams | Investor Officer | Profile | |
| Annie Delgado | Chief Officer | Profile | |
| Jason Schmidt | VP Relations | Profile | |
| David Girouard | President, CoFounder | Profile | |
| Pavi Ramamurthy | Chief Officer | Profile | |
| Natalia Mirgorodskaya | Corporate Controller | Profile | |
| Sanjay CFA | Chief Officer | Profile | |
| Anna Counselman | CoFounder Operations | Profile | |
| Alison Nicoll | G Sec | Profile | |
| Grant Schneider | Chief Officer | Profile | |
| Scott Esq | Chief Secretary | Profile | |
| Sonya Banerjee | Head Relations | Profile |
About Upstart Holdings Management Performance
The success or failure of an entity such as Upstart Holdings often depends on how effective the management is. Upstart Holdings management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Upstart management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Upstart management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.02 | 0.02 | |
| Return On Capital Employed | 0.02 | 0.02 | |
| Return On Assets | 0.02 | 0.02 | |
| Return On Equity | 0.07 | 0.07 |
Please note, the imprecision that can be found in Upstart Holdings' accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Upstart Holdings. Check Upstart Holdings' Beneish M Score to see the likelihood of Upstart Holdings' management manipulating its earnings.
Upstart Holdings Workforce Analysis
Traditionally, organizations such as Upstart Holdings use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Upstart Holdings within its industry.Upstart Holdings Manpower Efficiency
Return on Upstart Holdings Manpower
| Revenue Per Employee | 765.5K | |
| Revenue Per Executive | 71.7M | |
| Net Income Per Employee | 38.2K | |
| Net Income Per Executive | 3.6M |
Additional Tools for Upstart Stock Analysis
When running Upstart Holdings' price analysis, check to measure Upstart Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Upstart Holdings is operating at the current time. Most of Upstart Holdings' value examination focuses on studying past and present price action to predict the probability of Upstart Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Upstart Holdings' price. Additionally, you may evaluate how the addition of Upstart Holdings to your portfolios can decrease your overall portfolio volatility.