Upstart Ownership | Who Owns Upstart?

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Upstart Ownership Summary

Upstart is owned by 17.75% institutional investors, 13.00% insiders, and 69.24% retail investors. Vanguard group is the largest institutional shareholder, holding 8.35% of UPST shares. Vanguard Total Stock Mkt Idx Inv is the top mutual fund, with 2.75% of its assets in Upstart shares.

UPST Ownership Benchmark

Type	Name	% Inst	% Insiders	% Retail
Stock	Upstart	17.75%	13.00%	69.24%
Sector	Financial Services Stocks	37.05%	15.59%	47.36%
Industry	Credit Services Stocks	39.41%	11.37%	49.22%
Idea	Artificial Intelligence Stocks List	57.88%	5.08%	37.05%
Idea	Peer to Peer Lending Stocks List	20.91%	5.33%	73.76%

Institutional Shareholders

Top Institutional Shareholders by Total Shares

Holder	Shares	% Holding	Value
Vanguard group	8.07M	8.35%	$353.06M
Blackrock funding, inc. /de	7.40M	7.59%	$189.89M
Blackrock	5.66M	6.51%	$133.62M
Morgan stanley	3.98M	4.07%	$101.96M
Marshall wace, llp	3.28M	3.36%	$84.13M
Slate path capital lp	2.73M	2.86%	$138.78M
Geode capital management	2.12M	2.18%	$54.49M
State street	2.05M	2.10%	$52.66M
Goldman sachs group	1.56M	1.60%	$40.00M
Clear street group	1.56M	1.59%	$39.89M

Top Institutional Shareholders by % of Total Assets

Holder	Shares	% Assets	Value
Halter ferguson financial	1.47M	8.26%	$37.64M
Sandler capital management	918.00K	2.32%	$21.66M
Rex advisers	28.30K	2.19%	$725.89M
Slate path capital lp	2.73M	2.15%	$138.78M
Kadensa capital	589.87K	2.11%	$15.13M
Maxi investments cy	193.40K	1.08%	$4.96M
Summit partners public asset management	583.00K	0.95%	$37.71M
Neo ivy capital management	102.95K	0.70%	$2.64M
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
Marshall wace, llp	3.28M	0.08%	2.73M
Norges bank	1.14M	0.01%	1.14M
Halter ferguson financial	1.47M	8.26%	1.05M
Coatue management	870.95K	0.08%	870.95K

Top Sellers

Holder	Shares	% Assets	Change
Jericho capital asset management	-	-	-5.01M
Renaissance	-	-	-1.44M
Contour asset management	-	-	-1.39M
Driehaus capital management	-	-	-1.27M
Mirae asset global etfs	115.01K	0.00%	-1.09M

New Positions

Holder	Shares	% Assets	Change	Value
Slate path capital lp	2.73M	2.15%	2.73M	$138.78M
Norges bank	1.14M	0.01%	1.14M	$49.91M
Vanguard fiduciary trust	597.31K	0.00%	597.31K	$15.32M
Axa investment managers	92.47K	0.01%	92.47K	$4.70M
Vanguard asset management	79.69K	0.00%	79.69K	$2.04M

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 %
Mar 31, 2026	192	-57.05%	17,327,430	-73.20%	17	0.40%	89	-52.91%	50	-64.03%
Dec 31, 2025	333	-31.06%	47,142,977	-27.32%	48	1.06%	143	-30.58%	103	-20.16%
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%

Top Mutual Funds Shareholders

Holder	Shares	% Holding	Change
Vanguard Total Stock Mkt Idx Inv	2.64M	2.75%	8.82K
Vanguard US Total Market Shares ETF	2.37M	2.49%	2.20K
iShares Russell 2000 ETF	2.04M	2.13%	17.16K
Vanguard Small Cap Index	1.92M	2.01%	-3.76K
YieldMax Ultra Option Income Strat ETF	1.75M	1.84%	1.75M
Global X Robotics & Artfcl Intllgnc ETF	1.10M	1.16%	-
Vanguard Small Cap Growth Index Inv	1.08M	1.12%	-837.00
Vanguard Institutional Extnd Mkt Idx Tr	972.92K	1.02%	8.79K
Fidelity Small Cap Index	835.16K	0.87%	9.55K
iShares Russell 2000 Growth ETF	706.35K	0.74%	1.82K

Recent Insider Transactions

Date	Name	Role	Activity	Value
Jun 09, 2026	Datta Sanjay	President, Capital& Enterprise	Sell	$456.12K
May 26, 2026	Mirgorodskaya Natalia	See Remarks	Sell	$28.24K
May 20, 2026	Darling Scott	Chief Legal Officer	Sell	$190.91K
May 20, 2026	Datta Sanjay	President, Capital& Enterprise	Sell	$229.74K
May 20, 2026	Mirgorodskaya Natalia	See Remarks	Sell	$15.13K

Insider Transactions Trends

Date	Buy	Sell
2026 Q2	3	12
2026 Q1	-	7
2025 Q4	2	11
2025 Q3	-	28
2025 Q2	-	12

UPST Ownership FAQ

Who Owns Upstart?

Upstart shareholders are primarily institutional investors at 17.75%, followed by 13.00% insiders and 69.25% retail investors. The average institutional ownership in Upstart's industry, Credit Services Stocks, is 39.41%, which Upstart falls below.

Who owns the most shares of Upstart?

Upstart’s largest shareholders are Vanguard group (8.07M shares, 8.35%), Blackrock funding, inc. /de (7.4M shares, 7.59%), and Blackrock (5.66M shares, 6.51%). Together, they hold 22.44% 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 8.26% of its assets in 1.47M Upstart shares, valued at 37.64M$.

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 2.75% of its total shares outstanding invested in 2.64M Upstart shares.

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