Upstart Ownership | Who Owns Upstart?

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Upstart Ownership Summary

Upstart is owned by 64.99% institutional investors, 12.42% insiders, and 22.59% retail investors. Vanguard group is the largest institutional shareholder, holding 8.65% 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	64.99%	12.42%	22.59%
Sector	Financial Services Stocks	51.64%	15.54%	32.82%
Industry	Credit Services Stocks	53.72%	9.31%	36.97%
Idea	Artificial Intelligence Stocks List	690.10%	4.71%	-594.81%
Idea	Peer to Peer Lending Stocks List	40.67%	5.15%	54.18%

Institutional Shareholders

Top Institutional Shareholders by Total Shares

Holder	Shares	% Holding	Value
Vanguard group	7.79M	8.65%	$479.84M
Blackrock funding, inc. /de	6.77M	7.09%	$437.79M
Blackrock	5.66M	6.51%	$133.62M
Jericho capital asset management	3.65M	3.82%	$236.33M
D. e. shaw	3.29M	3.65%	$202.43M
Goldman sachs group	2.41M	2.68%	$148.59M
State street	2.26M	2.60%	$53.39M
Two sigma investments, lp	1.92M	2.13%	$118.38M
Geode capital management	1.85M	2.05%	$113.71M
Two sigma advisers, lp	1.71M	1.90%	$105.24M

Top Institutional Shareholders by % of Total Assets

Holder	Shares	% Assets	Value
Hidden lake asset management lp	187.34K	3.30%	$12.12M
Jericho capital asset management	3.65M	3.15%	$236.33M
Contour asset management	1.39M	2.93%	$89.72M
Metavasi capital lp	95.00K	2.51%	$6.14M
Halter ferguson financial	205.41K	2.39%	$10.43M
Sandler capital management	918.00K	2.32%	$21.66M
Mane global capital management lp	673.71K	1.85%	$43.58M
Arrowpoint investment partners (singapore) pte.	21.49K	1.23%	$1.39M
Sepio capital, lp	256.10K	1.18%	$16.56M
G2 investment partners management	67.50K	0.96%	$4.37M

Top Buyers

Holder	Shares	% Assets	Change
Jericho capital asset management	3.65M	3.15%	3.65M
Bnp paribas arbitrage, snc	1.57M	0.05%	1.57M
Contour asset management	1.39M	2.93%	1.39M
Two sigma advisers, lp	1.71M	0.24%	1.12M
Altshuler shaham	988.00K	0.06%	977.50K

Top Sellers

Holder	Shares	% Assets	Change
Renaissance	-	-	-1.44M
Susquehanna group, llp	532.13K	0.00%	-1.38M
Barclays	399.63K	0.01%	-810.10K
Qube research	370.00K	0.02%	-808.40K
Morgan stanley	1.48M	0.00%	-776.51K

New Positions

Holder	Shares	% Assets	Change	Value
Jericho capital asset management	3.65M	3.15%	3.65M	$236.33M
Bnp paribas arbitrage, snc	1.57M	0.05%	1.57M	$96.86M
Contour asset management	1.39M	2.93%	1.39M	$89.72M
Mane global capital management lp	673.71K	1.85%	673.71K	$43.58M
Man group	592.24K	0.10%	592.24K	$36.46M

Sold Out

Holder	Change
Impact partnership wealth	-1.00
Pathway financial advisers	-2.00
Proffitt & goodson	-3.00
Sjs investment consulting	-3.00
Financial synergies wealth advisors	-3.00

Institutional Ownership Trends

Date	Holdings	Change %	Shares	Change %	Ownership	Change %	Increased Position	Change %	Decreased Position	Change %
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%
Jun 30, 2024	305	-5.86%	38,880,938	3.79%	44	2.41%	131	7.38%	79	-21.78%

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
Oct 01, 2025	Darling Scott	Chief Legal Officer	Sell	$54.64K
Sep 17, 2025	Darling Scott	Chief Legal Officer	Sell	$70.01K
Sep 15, 2025	Girouard Dave	Chief Executive Officer	Sell	$2.26M
Sep 15, 2025	Girouard Dave	Chief Executive Officer	Sell	$447.56K
Sep 03, 2025	Darling Scott	Chief Legal Officer	Sell	$277.65K

Insider Transactions Trends

Date	Buy	Sell
2025 Q4	-	1
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 64.99%, followed by 12.42% insiders and 22.59% retail investors. The average institutional ownership in Upstart's industry, Credit Services Stocks, is 53.72%, which Upstart exceeds.

Who owns the most shares of Upstart?

Upstart’s largest shareholders are Vanguard group (7.79M shares, 8.65%), Blackrock funding, inc. /de (6.77M shares, 7.09%), and Blackrock (5.66M shares, 6.51%). Together, they hold 22.24% 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?

Hidden lake asset management lp is Upstart’s biggest shareholder by percentage of total assets invested, with 3.30% of its assets in 187.34K Upstart shares, valued at 12.12M$.

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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