Upstart Ownership | Who Owns Upstart?

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Upstart Ownership Summary

Upstart is owned by 62.46% institutional investors, 12.78% insiders, and 24.75% retail investors. Vanguard group is the largest institutional shareholder, holding 8.35% of UPST shares. Vanguard Morn Total Stk Mkt Idx Investor is the top mutual fund, with 2.69% of its assets in Upstart shares.

UPST Ownership Benchmark

Type	Name	% Inst	% Insiders	% Retail
Stock	Upstart	62.46%	12.78%	24.75%
Sector	Financial Services Stocks	493.55%	13.79%	-407.34%
Industry	Credit Services Stocks	60.09%	14.54%	25.37%
Idea	Artificial Intelligence Stocks List	70.69%	4.62%	24.68%
Idea	Peer to Peer Lending Stocks List	29.49%	5.74%	64.77%

Institutional Shareholders

Top Institutional Shareholders by Total Shares

Holder	Shares	% Holding	Value
Vanguard group	8.07M	8.35%	$353.06M
Blackrock funding, inc. /de	7.88M	8.13%	$279.14M
Blackrock	5.66M	6.51%	$133.62M
Vanguard capital management	3.70M	3.82%	$131.04M
Slate path capital lp	2.73M	2.86%	$138.78M
Morgan stanley	2.41M	2.49%	$85.55M
Goldman sachs group	2.40M	2.47%	$84.86M
Marshall wace, llp	2.37M	2.45%	$83.99M
Geode capital management	2.23M	2.30%	$78.97M
State street	2.12M	2.19%	$75.06M

Top Institutional Shareholders by % of Total Assets

Holder	Shares	% Assets	Value
Halter ferguson financial	1.75M	10.03%	$61.94M
Hidden lake asset management lp	281.61K	3.00%	$9.98M
Sandler capital management	918.00K	2.32%	$21.66M
Slate path capital lp	2.73M	2.15%	$138.78M
Maxi investments cy	193.40K	1.39%	$6.85M
Gator capital management	161.49K	1.20%	$5.72M
Summit partners public asset management	583.00K	0.95%	$37.71M
Tyler-stone wealth management	54.83K	0.60%	$3.38M
Seven eight capital, lp	223.61K	0.55%	$5.27M
Virtu financial	170.21K	0.48%	$8.65M

Top Buyers

Holder	Shares	% Assets	Change
Slate path capital lp	2.73M	2.15%	2.73M
Bank of america corp /de/	1.51M	0.00%	1.01M
Goldman sachs group	2.40M	0.01%	835.74K
Sixth street partners management company	765.28K	0.00%	765.28K
Fmr	706.55K	0.00%	691.81K

Top Sellers

Holder	Shares	% Assets	Change
Jericho capital asset management	-	-	-5.01M
Morgan stanley	2.41M	0.00%	-1.56M
Renaissance	-	-	-1.44M
Contour asset management	-	-	-1.39M
Driehaus capital management	-	-	-1.27M

New Positions

Holder	Shares	% Assets	Change	Value
Slate path capital lp	2.73M	2.15%	2.73M	$138.78M
Sixth street partners management company	765.28K	0.00%	765.28K	$27.11M
Alberta investment management	238.80K	0.05%	238.80K	$8.46M
Norges bank	93.96K	0.00%	93.96K	$3.33M
Axa investment managers	92.47K	0.01%	92.47K	$4.70M

Sold Out

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

Institutional Ownership Trends

Date	Holdings	Change %	Shares	Change %	Ownership	Change %	Increased Position	Change %	Decreased Position	Change %
Jun 30, 2026	412	5.64%	60,526,832	6.97%	62	1.86%	197	12.57%	100	-4.76%
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%

Top Mutual Funds Shareholders

Holder	Shares	% Holding	Change
Vanguard Morn Total Stk Mkt Idx Investor	2.58M	2.69%	-62.97K
Vanguard Total Stock Mkt Idx Inv	2.58M	2.69%	-62.97K
Vanguard MStar Total Stk Mkt Idx Invest	2.59M	2.66%	11.36K
Vanguard US Total Market Shares ETF	2.37M	2.49%	2.20K
iShares Russell 2000 ETF	2.16M	2.22%	-38.30K
Vanguard Small Cap Index	1.87M	1.92%	9.42K
YieldMax Ultra Option Income Strat ETF	1.75M	1.84%	1.75M
Global X Robotics & Artfcl Intllgnc ETF	1.10M	1.16%	-
Vanguard Morn Small Cap Growth Index Inv	1.07M	1.12%	-9.20K
Vanguard Small Cap Growth Index Inv	1.07M	1.12%	-9.20K

Recent Insider Transactions

Date	Name	Role	Activity	Value
Sep 10, 2026	Gu Paul	Chief Executive Officer	Buy	$1.28M
Sep 08, 2026	Datta Sanjay	President, Capital& Enterprise	Sell	$3.17M
Aug 25, 2026	Mirgorodskaya Natalia	See Remarks	Sell	$27.42K
Aug 20, 2026	Datta Sanjay	President, Capital& Enterprise	Sell	$251.30K
Aug 19, 2026	Datta Sanjay	President, Capital& Enterprise	Sell	$314.63K

Insider Transactions Trends

Date	Buy	Sell
2026 Q3	1	10
2026 Q2	3	12
2026 Q1	-	7
2025 Q4	2	11
2025 Q3	-	28

UPST Ownership FAQ

Who Owns Upstart?

Upstart shareholders are primarily institutional investors at 62.46%, followed by 12.78% insiders and 24.76% retail investors. The average institutional ownership in Upstart's industry, Credit Services Stocks, is 60.09%, 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 (7.88M shares, 8.13%), and Blackrock (5.66M shares, 6.51%). Together, they hold 22.99% 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 10.03% of its assets in 1.75M Upstart shares, valued at 61.94M$.

Who is the top mutual fund holder of Upstart shares?

Vanguard Morn Total Stk Mkt Idx Investor is the top mutual fund holder of Upstart shares, with 2.69% of its total shares outstanding invested in 2.58M Upstart shares.

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