Upstart Holdings, Inc. (UPST)

Sector:
FINANCE
Industry:
GENERAL FINANCE
SIC:
FINANCE SERVICES
CEO:
David J. Girouard
Employees:
1,500
2950 S. DELAWARE STREET, SUITE 300, SAN MATEO, CA 94403
(650) 204-1000

Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company's platform aggregates consumer demand for loans and connects it to its network of AI-enabled bank partners.

Data derived from most recent annual or quarterly report
Market Cap 2.259 Billion Shares Outstanding84.774 Million Avg 30-day Volume 8.308 Million
P/E Ratio29.1691 Dividend Yield0.0 EPS0.12
Price to Revenue2.4737 Debt to Equity1.1314 EBITDA100.853 Million
Price to Book Value3.5014 Operating Margin8.561 Enterprise Value2.717 Billion
Current Ratio8.081 EPS Growth-0.011 Quick Ratio8.081
1 Yr BETA 3.1949 52-week High/Low 401.49 / 22.42 Profit Margin8.4806
Operating Cash Flow Growth-229.6441 Altman Z-Score2.569 Free Cash Flow to Firm -408.409 Million
Earnings Report2022-11-08
View SEC Filings from UPST instead.

View recent insider trading info

Funds Holding UPST (via 13F filings)

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*Shares are split adjusted
*Please note that if a filer hasn't submitted a 13F filing for a quarter then the filer's shares will be listed as "Sold All"

Mutual Funds Holding UPST

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Active Schedule 13D and 13G filings

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Recent Filings

Events (8k)

  • 8-K: filed on 2022-08-08:
    Item 2.02: Results of Operations and Financial Condition
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-07-08:
    Item 2.02: Results of Operations and Financial Condition
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-05-20:
    Item 5.07: Submission of Matters to a Vote of Security Holders
  • 8-K: filed on 2022-05-09:
    Item 2.02: Results of Operations and Financial Condition
  • 8-K: filed on 2022-02-23:
    Item 8.01: Other Events
  • 8-K: filed on 2022-02-15:
    Item 2.02: Results of Operations and Financial Condition
    Item 8.01: Other Events
  • 8-K: filed on 2021-11-19:
    Item 5.02: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers
  • 8-K: filed on 2021-11-09:
    Item 2.02: Results of Operations and Financial Condition
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2021-08-20:
    Item 5.02: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers
    Item 1.01: Entry into a Material Definitive Agreement
    Item 2.03: Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
    Item 3.02: Unregistered Sales of Equity Securities
    Item 8.01: Other Events
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2021-08-10:
    Item 2.02: Results of Operations and Financial Condition
  • Open Market Buys/Sells Last 60 Days

    Open Market Buys (P)

    none

    Open Market Sells (S)

    5.4 Thousand total shares from 4 transactions

    Exercise Derivative Conversion (M)

    4 Thousand total shares from 1 transactions

    Current/Former Insiders

    Insider Name Type Last Reported Shares Held Last Reported Date Filings in past year

    MIRGORODSKAYA NATALIA CORPORATE CONTROLLER

    • Officer
    110,169 2022-08-31 7

    NICOLL ALISON GENERAL COUNSEL AND SECRETARY

    • Officer
    530,483 2022-06-24 42

    HUBER JEFF

    • Director
    3,327 2022-05-18 2

    SINGH CASSIDY SUKHINDER

    • Director
    4,134 2022-05-18 3

    TERRY HILLIARD C. III

    • Director
    3,700 2022-05-18 2

    COOPER KERRY WHORTON

    • Director
    4,977 2022-05-18 2

    HENTGES MARY

    • Director
    3,700 2022-05-18 2

    O'KELLY CIARAN

    • Director
    4,002 2022-05-18 2

    GIROUARD DAVE CHIEF EXECUTIVE OFFICER

    • Officer
    • Director
    • 10% Owner
    10,774,891 2022-05-02 13

    GU PAUL SVP, PRODUCT AND DATA SCIENCE

    • Officer
    • Director
    640,170 2022-03-01 9

    DATTA SANJAY CHIEF FINANCIAL OFFICER

    • Officer
    110,535 2022-02-20 1

    COUNSELMAN ANNA M. SVP, PEOPLE AND OPERATIONS

    • Officer
    34,351 2022-02-20 1

    LOEB DANIEL S

    THIRD POINT LLC

    • 10% Owner
    • SEE FOOTNOTE (1)
    8,100,000 2021-12-03 5

    Insider Transactions Last 60 Days

    Reporting Owners Filing Date Trans Date Trans Code Shares Share Price Acquired
    Disposed
    Shares Owned after D/I 10b5 Perf 1d* Perf 5d* Perf 1m* Max Gain Max Gain Days Max Loss Max Loss Days

    MIRGORODSKAYA NATALIA - Officer CORPORATE CONTROLLER

    2022-09-02 17:04:50 -0400 2022-09-01 M 4,000 $0.43 a 46,516 direct yes 8.6425 8.6425 2 0.0 1

    MIRGORODSKAYA NATALIA - Officer CORPORATE CONTROLLER

    2022-09-02 17:04:50 -0400 2022-09-01 S 4,000 $25.23 d 42,516 direct yes 8.6425 8.6425 2 0.0 1

    MIRGORODSKAYA NATALIA - Officer CORPORATE CONTROLLER

    2022-09-02 17:04:50 -0400 2022-09-01 M 4,000 a 12,000 direct yes

    MIRGORODSKAYA NATALIA - Officer CORPORATE CONTROLLER

    2022-09-02 17:04:50 -0400 2022-08-31 A 17,914 a 42,516 direct 8.6425 8.6425 2 0.0 1

    MIRGORODSKAYA NATALIA - Officer CORPORATE CONTROLLER

    2022-09-02 17:04:50 -0400 2022-08-31 A 13,137 a 13,137 direct

    MIRGORODSKAYA NATALIA - Officer CORPORATE CONTROLLER

    2022-08-25 16:55:41 -0400 2022-08-25 S 420 $27.35 d 24,602 direct yes 1.2297 -3.2923 2.9353 5 -3.2923 6

    MIRGORODSKAYA NATALIA - Officer CORPORATE CONTROLLER

    2022-08-25 16:55:41 -0400 2022-08-23 S 238 $27.30 d 25,022 direct 1.2297 -3.2923 2.9353 5 -3.2923 6

    MIRGORODSKAYA NATALIA - Officer CORPORATE CONTROLLER

    2022-08-22 17:06:56 -0400 2022-08-18 S 706 $33.27 d 25,260 direct yes 0.7505 -6.0788 5.4784 3 -6.0788 6

    * -

    Transaction Code Definitions
    Code Definition
    A Grant, award or other acquisition pursuant to Rule 16b-3(d)
    C Conversion of derivative security
    D Disposition to the issuer of issuer equity securities pursuant to Rule 16b-3(e)
    E Expiration of short derivative position
    F Payment of exercise price or tax liability by delivering or withholding securities incident to the receipt, exercise or vesting of a security issued in accordance with Rule 16b-3
    G Bona fide gift
    H Expiration (or cancellation) of long derivative position with value received
    I Discretionary transaction in accordance with Rule 16b-3(f) resulting in acquisition or disposition of issuer securities
    J Other acquisition or disposition
    L Small acquisition under Rule 16a-6
    M Exercise or conversion of derivative security exempted pursuant to Rule 16b-3
    O Exercise of out-of-the-money derivative security
    P Open market or private purchase of non-derivative or derivative security
    S Open market or private sale of non-derivative or derivative security
    U Disposition pursuant to a tender of shares in a change of control transaction
    W Acquisition or disposition by will or the laws of descent and distribution
    X Exercise of in-the-money or at-the-money derivative security
    Z Deposit into or withdrawal from voting trust

    IBR Securities Loan Availability

    Updated throughout the day, this shows the number of shares available to borrow. Data provided by Interactive Brokers

    Security Date/Time Rebate Rate Fee Rate Shares Available
    UPSTART HOLDINGS INC UPST 2022-09-08 15:15:04 UTC -19.6383 21.9583 150000
    UPSTART HOLDINGS INC UPST 2022-09-08 14:45:03 UTC -19.6383 21.9583 200000
    UPSTART HOLDINGS INC UPST 2022-09-08 14:15:03 UTC -19.6383 21.9583 200000
    UPSTART HOLDINGS INC UPST 2022-09-08 13:45:03 UTC -18.1097 20.4297 200000
    UPSTART HOLDINGS INC UPST 2022-09-08 13:15:03 UTC -18.1097 20.4297 200000
    UPSTART HOLDINGS INC UPST 2022-09-08 12:45:03 UTC -18.1097 20.4297 150000
    UPSTART HOLDINGS INC UPST 2022-09-07 22:15:05 UTC -18.1097 20.4297 100000
    UPSTART HOLDINGS INC UPST 2022-09-07 21:45:05 UTC -18.088 20.408 100000
    UPSTART HOLDINGS INC UPST 2022-09-07 21:15:04 UTC -18.088 20.408 100000
    UPSTART HOLDINGS INC UPST 2022-09-07 20:45:03 UTC -18.0878 20.4078 100000
    UPSTART HOLDINGS INC UPST 2022-09-07 20:15:05 UTC -18.0878 20.4078 100000
    UPSTART HOLDINGS INC UPST 2022-09-07 19:45:04 UTC -18.0878 20.4078 100000
    UPSTART HOLDINGS INC UPST 2022-09-07 19:15:04 UTC -18.0878 20.4078 100000
    UPSTART HOLDINGS INC UPST 2022-09-07 18:45:04 UTC -17.863 20.183 100000
    UPSTART HOLDINGS INC UPST 2022-09-07 18:15:05 UTC -17.863 20.183 100000
    UPSTART HOLDINGS INC UPST 2022-09-07 17:45:04 UTC -17.863 20.183 100000
    UPSTART HOLDINGS INC UPST 2022-09-07 17:15:05 UTC -17.863 20.183 100000
    UPSTART HOLDINGS INC UPST 2022-09-07 16:45:04 UTC -20.1177 22.4377 100000
    UPSTART HOLDINGS INC UPST 2022-09-07 16:15:04 UTC -20.1177 22.4377 100000
    UPSTART HOLDINGS INC UPST 2022-09-07 15:45:04 UTC -20.1177 22.4377 100000

    Current Active Short Positions

    Holder Issuer Net Short Position Position Date Origin
    AGF Investments Trust- AGFIQ Hedged Dividend Income Fund UPST -60.0 shares, $-6545.4 2022-03-31 N-PORT
    Caldwell & Orkin Funds, Inc.- CALDWELL & ORKIN - GATOR CAPITAL LONG/SHORT FUND UPST -800.0 shares, $-60016.0 2022-04-30 N-PORT
    INVESTMENT MANAGERS SERIES TRUST- 361 Domestic Long/Short Equity Fund UPST -24.0 shares, $-1800.48 2022-04-30 N-PORT
    Columbia Funds Series Trust I- Multi-Manager Directional Alternative Strategies Fund UPST -1913.0 shares, $-143513.26 2022-04-30 N-PORT
    Calamos Investment Trust/IL- Calamos Market Neutral Income Fund UPST -13500.0 shares, $-1012770.0 2022-04-30 N-PORT
    Series Portfolios Trust- Weiss Alternative Multi-Strategy Fund UPST -2014.0 shares, $-151090.28 2022-04-30 N-PORT
    NEUBERGER BERMAN ALTERNATIVE FUNDS- Neuberger Berman Long Short Fund UPST -139279.0 shares, $-10448710.58 2022-04-30 N-PORT
    Steward Funds Inc- Steward Equity Market Neutral Fund UPST -1700.0 shares, $-127534.0 2022-04-29 N-PORT
    JPMorgan Trust I- JPMorgan Opportunistic Equity Long/Short Fund UPST -15170.0 shares, $-1138053.4 2022-04-30 N-PORT
    Morningstar Funds Trust- Morningstar Alternatives Fund UPST -718.0 shares, $-53864.36 2022-04-29 N-PORT
    RUSSELL INVESTMENT CO- Sustainable Equity Fund UPST -290.0 shares, $-21755.8 2022-04-30 N-PORT
    Franklin Alternative Strategies Funds- Franklin K2 Alternative Strategies Fund UPST -599.0 shares, $-30189.6 2022-05-31 N-PORT
    AMERICAN BEACON FUNDS- American Beacon SSI Alternative Income Fund UPST -1519.0 shares, $-48030.78 2022-06-30 N-PORT
    AB CAP FUND, INC.- AB Select US Long/Short Portfolio UPST -16630.0 shares, $-525840.6 2022-06-30 N-PORT
    Guidestone Funds- Strategic Alternatives Fund UPST -618.0 shares, $-19541.16 2022-06-30 N-PORT
    AQR Funds- AQR Alternative Risk Premia Fund UPST -5602.0 shares, $-177135.24 2022-06-30 N-PORT
    LAZARD FUNDS INC- Lazard Enhanced Opportunities Portfolio UPST -103.0 shares, $-3256.86 2022-06-30 N-PORT
    JNL Series Trust- JNL Multi-Manager Alternative Fund UPST -322.0 shares, $-10181.64 2022-06-30 N-PORT
    Blackstone Alternative Investment Funds- Blackstone Alternative Multi-Strategy Fund UPST -31300.0 shares, $-989706.0 2022-06-30 N-PORT

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