Upstart Ownership | Who Owns Upstart?

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Upstart Ownership Summary

Upstart is owned by 48.76% institutional investors, 12.21% insiders, and 39.03% 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 2.74% of its assets in Upstart shares.

UPST Ownership Benchmark

Type	Name	% Inst	% Insiders	% Retail
Stock	Upstart	48.76%	12.21%	39.03%
Sector	Financial Services Stocks	32.19%	15.44%	52.37%
Industry	Credit Services Stocks	34.10%	9.51%	56.39%
Idea	Artificial Intelligence Stocks List	41.49%	5.15%	53.35%
Idea	Peer to Peer Lending Stocks List	27.79%	5.09%	67.12%

Institutional Shareholders

Top Institutional Shareholders by Total Shares

Holder	Shares	% Holding	Value
Vanguard group	8.07M	8.35%	$353.06M
Blackrock funding, inc. /de	7.09M	7.26%	$309.99M
Blackrock	5.66M	6.51%	$133.62M
Jericho capital asset management	4.48M	4.69%	$227.63M
Morgan stanley	4.21M	4.38%	$183.96M
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	2.07M	2.12%	$90.47M
Goldman sachs group	1.65M	1.69%	$72.27M

Top Institutional Shareholders by % of Total Assets

Holder	Shares	% Assets	Value
Halter ferguson financial	415.32K	3.99%	$18.16M
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
Maxi investments cy	193.40K	1.54%	$8.46M
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

Top Buyers

Holder	Shares	% Assets	Change
Slate path capital lp	2.73M	2.15%	2.73M
Morgan stanley	4.21M	0.01%	2.55M
Norges bank	1.14M	0.01%	1.14M
D. e. shaw	3.29M	0.15%	973.50K
Price t rowe associates inc /md/	991.43K	0.01%	920.92K

Top Sellers

Holder	Shares	% Assets	Change
Renaissance	-	-	-1.44M
Contour asset management	-	-	-1.39M
Susquehanna group, llp	532.13K	0.00%	-1.38M
Squarepoint ops	-	-	-1.36M
Driehaus capital management	-	-	-1.27M

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
Baillie gifford	758.93K	0.03%	758.93K	$33.19M
Clear street group	571.21K	0.10%	571.21K	$29.02M
Carnegie capital asset management	238.16K	0.19%	238.16K	$10.41M

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 %
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%
Dec 31, 2024	415	2.98%	54,044,486	8.98%	59	1.98%	207	7.25%	101	20.24%

Top Mutual Funds Shareholders

Holder	Shares	% Holding	Change
Vanguard Total Stock Mkt Idx Inv	2.60M	2.74%	6.77K
Vanguard US Total Market Shares ETF	2.37M	2.49%	2.20K
iShares Russell 2000 ETF	2.05M	2.16%	2.05M
Vanguard Small Cap Index	1.87M	1.97%	180.00
YieldMax Ultra Option Income Strat ETF	1.75M	1.84%	1.75M
Global X Robotics & Artfcl Intllgnc ETF	1.10M	1.16%	2.44K
Vanguard Small Cap Growth Index Inv	1.04M	1.10%	-17.69K
Vanguard Institutional Extnd Mkt Idx Tr	925.34K	0.98%	1.43K
Fidelity Small Cap Index	852.54K	0.90%	5.93K
iShares Russell 2000 Growth ETF	710.93K	0.75%	95.23K

Recent Insider Transactions

Date	Name	Role	Activity	Value
Mar 02, 2026	Mirgorodskaya Natalia	See Remarks	Sell	$10.15K
Feb 25, 2026	Mirgorodskaya Natalia	See Remarks	Sell	$24.93K
Feb 20, 2026	Datta Sanjay	Chief Financial Officer	Sell	$238.38K
Feb 20, 2026	Mirgorodskaya Natalia	See Remarks	Sell	$18.92K
Feb 20, 2026	Darling Scott	Chief Legal Officer	Sell	$193.39K

Insider Transactions Trends

Date	Buy	Sell
2026 Q1	-	7
2025 Q4	2	11
2025 Q3	-	28
2025 Q2	-	12
2025 Q1	-	21

UPST Ownership FAQ

Who Owns Upstart?

Upstart shareholders are primarily institutional investors at 48.76%, followed by 12.21% insiders and 39.03% retail investors. The average institutional ownership in Upstart's industry, Credit Services Stocks, is 34.10%, which Upstart exceeds.

Who owns the most shares of Upstart?

Upstart’s largest shareholders are Vanguard group (8.07M shares, 8.35%), Blackrock funding, inc. /de (7.09M shares, 7.26%), and Blackrock (5.66M shares, 6.51%). Together, they hold 22.12% 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 3.99% of its assets in 415.32K Upstart shares, valued at 18.16M$.

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 2.74% of its total shares outstanding invested in 2.6M Upstart shares.

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