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 2.69% 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	746.79%	13.83%	-660.62%
Industry	Credit Services Stocks	38.05%	12.91%	49.04%
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	7.88M	8.13%	$279.14M
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
State street	2.12M	2.19%	$75.06M
Geode capital management	2.12M	2.18%	$54.49M
Halter ferguson financial	1.75M	1.80%	$61.94M
Goldman sachs group	1.56M	1.60%	$40.00M

Top Institutional Shareholders by % of Total Assets

Holder	Shares	% Assets	Value
Halter ferguson financial	1.75M	10.03%	$61.94M
Sandler capital management	918.00K	2.32%	$21.66M
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
Virtu financial	170.21K	0.48%	$8.65M

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
Coatue management	870.95K	0.08%	870.95K
Balyasny asset management	869.42K	0.03%	849.70K

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
Alberta investment management	238.80K	0.05%	238.80K	$8.46M
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 %
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	2.58M	2.69%	-62.97K
Vanguard Morn Total Stk Mkt Idx Investor	2.58M	2.69%	-62.97K
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	1.86M	1.94%	-59.66K
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
Vanguard Institutional Extnd Mkt Idx Tr	967.15K	1.01%	-9.86K

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 38.05%, 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 (7.88M 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 Total Stock Mkt Idx Inv 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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