Upstart Holdings Company Insiders

UPST Stock  USD 43.17  2.03  4.49%   
Upstart Holdings' insiders are aggressively selling. The analysis of insider sentiment suggests that vertually all Upstart Holdings insiders are, at present, panicking. Upstart Holdings employs about 1.2 K people. The company is managed by 13 executives with a total tenure of roughly 2784 years, averaging almost 214.0 years of service per executive, having 91.77 employees per reported executive.

Insider Sentiment 0

 Mostly Selling

 
Selling
 
Buying

Latest Trades

2025-09-15Dave GirouardDisposed 41667 @ 64.93View
2025-09-02Natalia MirgorodskayaDisposed 1439 @ 69.21View
2025-08-25Natalia MirgorodskayaDisposed 1024 @ 68View
2025-08-22Natalia MirgorodskayaDisposed 365 @ 70View
2025-08-20Sanjay DattaDisposed 13473 @ 61.12View
2025-08-15Dave GirouardDisposed 41667 @ 63.27View
2025-07-15Dave GirouardDisposed 41667 @ 75.07View
2025-07-08Natalia MirgorodskayaDisposed 4000 @ 80.07View
2025-07-02Natalia MirgorodskayaDisposed 6533 @ 70.06View
2025-06-20Dave GirouardDisposed 41667 @ 60.05View
2025-06-11Dave GirouardDisposed 41667 @ 60.11View
2025-06-02Kerry Whorton CooperDisposed 500 @ 46.92View
2025-05-23Natalia MirgorodskayaDisposed 1340 @ 44.19View
2025-05-20Sanjay DattaDisposed 13512 @ 46.97View
2025-02-20Natalia MirgorodskayaDisposed 794 @ 79.02View
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.
For more information on how to buy Upstart Stock please use our How to Invest in Upstart Holdings guide.

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 1190 employees by March 2026.
 
Covid
 
Interest Hikes

Upstart Holdings Management Team Effectiveness

The company has return on total asset (ROA) of 0.0133 % which means that it generated a profit of $0.0133 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0481 %, meaning that it created $0.0481 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 -0.06 in 2026. Return On Capital Employed is likely to gain to -0.07 in 2026. Non Current Liabilities Total is likely to gain to about 1.7 B in 2026, whereas Total Current Liabilities is likely to drop slightly above 247 M in 2026.
Common Stock Shares Outstanding is likely to drop to about 57.7 M in 2026. Net Loss is likely to gain to about (92.9 M) in 2026Upstart Holdings shows a total of 97.29 Million outstanding shares. The majority of Upstart Holdings outstanding shares are owned by institutional holders. These institutional investors are usually referred to as non-private investors looking to take positions in Upstart Holdings to benefit from reduced commissions. Consequently, institutions are subject to a different set of regulations than regular investors in Upstart Holdings. Please pay attention to any change in the institutional holdings of Upstart Holdings as this could imply that something significant has changed or is about to change at the company. 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
102.9 M
Current Value
109.7 M
Avarage Shares Outstanding
73.5 M
Quarterly Volatility
32.4 M
 
Covid
 
Interest Hikes
Dividend Paid And Capex Coverage Ratio is likely to gain to 210.37 in 2026, whereas Dividends Paid is likely to drop slightly above 6.8 M in 2026. Common Stock Shares Outstanding is likely to drop to about 57.7 M in 2026. Net Loss is likely to gain to about (92.9 M) in 2026.

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 35,328. Upstart Holdings holds roughly 1,193 in number of employees claiming about 3% of equities under Financials industry.

Upstart Holdings Profit Margins

The company has Profit Margin (PM) of 0.03 %, 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 0.11 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.11.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.750.84
Moderately Down
Pretty Stable

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.
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
Buy/Sell Ratio# Purchases Trades# Sales TradesTotal Shares PurchasedTotal 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.
Alice BerrySenior TreasuryProfile
Scott DarlingChief SecProfile
Annie DelgadoChief OfficerProfile
Jason SchmidtVP RelationsProfile
David GirouardPresident, CoFounderProfile
Pavi RamamurthyChief OfficerProfile
Natalia MirgorodskayaCorporate ControllerProfile
Sanjay CFAChief OfficerProfile
Anna CounselmanCoFounder OperationsProfile
Alison NicollG SecProfile
Paul GuCTO CoFounderProfile
Scott EsqChief SecretaryProfile
Sonya BanerjeeHead RelationsProfile
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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 ReportedProjected for Next Year
Return On Tangible Assets(0.06)(0.06)
Return On Capital Employed(0.07)(0.07)
Return On Assets(0.06)(0.06)
Return On Equity(0.23)(0.22)
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 Employee567.4K
Revenue Per Executive52.1M
Net Loss Per Employee107.8K
Net Loss Per Executive9.9M

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.