Upstart Ownership | Who Owns Upstart?

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Upstart Ownership Summary

Upstart is owned by 67.12% institutional investors, 12.28% insiders, and 20.60% retail investors. Vanguard group is the largest institutional shareholder, holding 8.63% of UPST shares. Vanguard Total Stock Mkt Idx Inv is the top mutual fund, with 2.62% of its assets in Upstart shares.

UPST Ownership Benchmark

Type	Name	% Inst	% Insiders	% Retail
Stock	Upstart	67.12%	12.28%	20.60%
Sector	Financial Services Stocks	36.95%	15.48%	47.58%
Industry	Credit Services Stocks	45.07%	10.14%	44.79%
Idea	Artificial Intelligence Stocks List	44.87%	4.70%	50.44%
Idea	Peer to Peer Lending Stocks List	40.39%	5.10%	54.51%

Institutional Shareholders

Top Institutional Shareholders by Total Shares

Holder	Shares	% Holding	Value
Vanguard group	8.24M	8.63%	$418.63M
Blackrock funding, inc. /de	6.86M	7.18%	$348.29M
Blackrock	5.66M	6.51%	$133.62M
Jericho capital asset management	4.48M	4.69%	$227.63M
D. e. shaw	3.29M	3.65%	$202.43M
Slate path capital lp	2.73M	2.86%	$138.78M
State street	2.05M	2.15%	$104.21M
Geode capital management	2.04M	2.14%	$103.74M
Morgan stanley	1.65M	1.73%	$83.92M
Goldman sachs group	1.59M	1.66%	$80.75M

Top Institutional Shareholders by % of Total Assets

Holder	Shares	% Assets	Value
Halter ferguson financial	205.41K	2.39%	$10.43M
Kadensa capital	455.15K	2.38%	$23.12M
Jericho capital asset management	4.48M	2.37%	$227.63M
Sandler capital management	918.00K	2.32%	$21.66M
Slate path capital lp	2.73M	2.15%	$138.78M
Summit partners public asset management	583.00K	0.95%	$37.71M
Firsthand capital management	10.00K	0.85%	$508.00K
Neo ivy capital management	63.36K	0.78%	$3.22M
Tyler-stone wealth management	54.83K	0.60%	$3.38M
Seven eight capital, lp	223.61K	0.55%	$5.27M

Top Buyers

Holder	Shares	% Assets	Change
Slate path capital lp	2.73M	2.15%	2.73M
Marex group	1.30M	0.47%	1.12M
D. e. shaw	3.29M	0.15%	973.50K
Price t rowe associates inc /md/	991.43K	0.01%	920.92K
Jericho capital asset management	4.48M	2.37%	826.97K

Top Sellers

Holder	Shares	% Assets	Change
Renaissance	-	-	-1.44M
Contour asset management	-	-	-1.39M
Susquehanna group, llp	532.13K	0.00%	-1.38M
Driehaus capital management	-	-	-1.27M
Two sigma investments, lp	277.14K	0.02%	-1.01M

New Positions

Holder	Shares	% Assets	Change	Value
Slate path capital lp	2.73M	2.15%	2.73M	$138.78M
Clear street group	571.21K	0.10%	571.21K	$29.02M
Norges bank	408.61K	0.00%	408.61K	$25.16M
Annex advisory services	207.09K	0.22%	207.09K	$10.52M
Halter ferguson financial	205.41K	2.39%	205.41K	$10.43M

Sold Out

Holder	Change
Activest wealth management	-1.00
Impact partnership wealth	-1.00
Pathway financial advisers	-2.00
Proffitt & goodson	-3.00
Sjs investment consulting	-3.00

Institutional Ownership Trends

Date	Holdings	Change %	Shares	Change %	Ownership	Change %	Increased Position	Change %	Decreased Position	Change %
Sep 30, 2025	461	-1.71%	64,114,218	9.38%	67	1.78%	194	-14.16%	123	3.36%
Jun 30, 2025	466	5.43%	62,083,441	4.79%	64	1.65%	223	5.69%	120	10.09%
Mar 31, 2025	17	-96.29%	1,723,142	-97.06%	1	0.04%	6	-97.38%	3	-97.44%
Dec 31, 2024	415	2.98%	54,044,486	8.98%	59	1.98%	207	7.25%	101	20.24%
Sep 30, 2024	399	29.55%	49,564,650	27.43%	54	2.75%	192	44.36%	83	3.75%

Top Mutual Funds Shareholders

Holder	Shares	% Holding	Change
Vanguard Total Stock Mkt Idx Inv	2.52M	2.62%	-53.13K
Vanguard US Total Market Shares ETF	2.37M	2.49%	2.20K
YieldMax Ultra Option Income Strat ETF	2.39M	2.48%	-
iShares Russell 2000 ETF	2.03M	2.11%	-
Vanguard Small Cap Index	1.96M	2.04%	-13.17K
Vanguard Small Cap Growth Index Inv	1.10M	1.14%	-419.00
Global X Robotics & Artfcl Intllgnc ETF	1.06M	1.10%	-
Vanguard Institutional Extnd Mkt Idx Tr	890.05K	0.93%	-387.21K
Fidelity Small Cap Index	844.74K	0.88%	33.84K
iShares Russell 2000 Growth ETF	740.56K	0.77%	-

Recent Insider Transactions

Date	Name	Role	Activity	Value
Nov 25, 2025	Mirgorodskaya Natalia	See Remarks	Sell	$29.65K
Nov 20, 2025	Mirgorodskaya Natalia	See Remarks	Sell	$2.96K
Nov 20, 2025	Mirgorodskaya Natalia	See Remarks	Sell	$27.11K
Nov 20, 2025	Darling Scott	Chief Legal Officer	Sell	$267.67K
Nov 20, 2025	Darling Scott	Chief Legal Officer	Sell	$14.81K

Insider Transactions Trends

Date	Buy	Sell
2025 Q4	2	9
2025 Q3	-	28
2025 Q2	-	12
2025 Q1	-	21
2024 Q4	-	75

UPST Ownership FAQ

Who Owns Upstart?

Upstart shareholders are primarily institutional investors at 67.12%, followed by 12.28% insiders and 20.60% retail investors. The average institutional ownership in Upstart's industry, Credit Services Stocks, is 45.07%, which Upstart exceeds.

Who owns the most shares of Upstart?

Upstart’s largest shareholders are Vanguard group (8.24M shares, 8.63%), Blackrock funding, inc. /de (6.86M shares, 7.18%), and Blackrock (5.66M shares, 6.51%). Together, they hold 22.31% of Upstart’s total shares outstanding.

Does Blackrock own Upstart?

Yes, BlackRock owns 6.51% of Upstart, totaling 5.66M shares as of Jun 2024. This represents 0.00% of BlackRock's total assets, with a market value of 133.62M$. In the last quarter, BlackRock increased its holdings by 319.34K shares, a 5.97% change.

Who is Upstart’s biggest shareholder by percentage of total assets invested?

Halter ferguson financial is Upstart’s biggest shareholder by percentage of total assets invested, with 2.39% of its assets in 205.41K Upstart shares, valued at 10.43M$.

Who is the top mutual fund holder of Upstart shares?

Vanguard Total Stock Mkt Idx Inv is the top mutual fund holder of Upstart shares, with 2.62% of its total shares outstanding invested in 2.52M Upstart shares.

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