Upstart Ownership | Who Owns Upstart?

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Upstart Ownership Summary

Upstart is owned by 59.97% institutional investors, 12.53% insiders, and 27.50% 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	59.97%	12.53%	27.50%
Sector	Financial Services Stocks	40.29%	14.61%	45.11%
Industry	Credit Services Stocks	39.92%	8.89%	51.19%
Idea	Artificial Intelligence Stocks List	52.49%	5.27%	42.25%
Idea	Peer to Peer Lending Stocks List	28.37%	4.36%	67.28%

Institutional Shareholders

Top Institutional Shareholders by Total Shares

Holder	Shares	% Holding	Value
Vanguard group	7.79M	8.65%	$479.84M
Blackrock funding, inc. /de	6.31M	7.00%	$388.60M
Blackrock	5.66M	6.51%	$133.62M
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
Fred alger management	1.92M	2.13%	$117.91M
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	161.83K	4.48%	$9.96M
Sandler capital management	918.00K	2.32%	$21.66M
Hel ved capital management	51.94K	0.94%	$3.20M
Eam investors	85.56K	0.75%	$5.27M
Legacy capital group california	33.70K	0.63%	$2.08M
Tyler-stone wealth management	54.83K	0.60%	$3.38M
Fred alger management	1.92M	0.56%	$117.91M
Coastal bridge advisors	35.59K	0.55%	$2.19M
Seven eight capital, lp	223.61K	0.55%	$5.27M
Wmg financial advisors	43.73K	0.55%	$1.03M

Top Buyers

Holder	Shares	% Assets	Change
Bnp paribas arbitrage, snc	1.57M	0.05%	1.57M
Two sigma advisers, lp	1.71M	0.24%	1.12M
D. e. shaw	3.29M	0.15%	973.50K
Marshall wace, llp	1.06M	0.08%	796.25K
Fuller & thaler asset management	709.71K	0.17%	709.71K

Top Sellers

Holder	Shares	% Assets	Change
Susquehanna group, llp	532.13K	0.00%	-1.38M
Barclays	399.63K	0.01%	-810.10K
Mirae asset global investments	15.32K	0.00%	-789.92K
Morgan stanley	1.48M	0.00%	-776.51K
Point72 asset management	-	-	-746.64K

New Positions

Holder	Shares	% Assets	Change	Value
Bnp paribas arbitrage, snc	1.57M	0.05%	1.57M	$96.86M
Fuller & thaler asset management	709.71K	0.17%	709.71K	$43.70M
Man group	592.24K	0.10%	592.24K	$36.46M
Squarepoint ops	458.96K	0.03%	458.96K	$28.26M
Norges bank	408.61K	0.00%	408.61K	$25.16M

Sold Out

Holder	Change
Impact partnership wealth	-1.00
Pathway financial advisers	-2.00
Proffitt & goodson	-3.00
Financial synergies wealth advisors	-3.00
Concourse financial group securities	-4.00

Institutional Ownership Trends

Date	Holdings	Change %	Shares	Change %	Ownership	Change %	Increased Position	Change %	Decreased Position	Change %
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%
Mar 31, 2024	324	-15.63%	37,459,992	-9.54%	43	1.84%	122	-31.46%	101	8.60%
Dec 31, 2023	384	13.61%	41,411,507	9.99%	48	2.43%	178	21.92%	93	19.23%

Top Mutual Funds Shareholders

Holder	Shares	% Holding	Change
Vanguard Total Stock Mkt Idx Inv	2.45M	2.62%	1.49K
Vanguard US Total Market Shares ETF	2.37M	2.49%	2.20K
iShares Russell 2000 ETF	2.11M	2.25%	-18.26K
Vanguard Small Cap Index	1.98M	2.11%	1.62K
Vanguard Institutional Extnd Mkt Idx Tr	1.21M	1.29%	1.66K
Vanguard Small Cap Growth Index Inv	1.11M	1.19%	-6.25K
Global X Robotics & Artfcl Intllgnc ETF	1.04M	1.11%	-
Fidelity Small Cap Index	774.90K	0.83%	-14.51K
iShares Russell 2000 Growth ETF	708.93K	0.76%	-3.37K
Invesco Discovery A	586.61K	0.63%	114.97K

Recent Insider Transactions

Date	Name	Role	Activity	Value
Mar 03, 2025	Cooper Kerry Whorton	-	Sell	$34.05K
Mar 03, 2025	Darling Scott	Chief Legal Officer	Sell	$135.78K
Feb 28, 2025	Darling Scott	Chief Legal Officer	Sell	$568.26K
Feb 28, 2025	Darling Scott	Chief Legal Officer	Sell	$414.42K
Feb 28, 2025	Darling Scott	Chief Legal Officer	Sell	$27.09K

Insider Transactions Trends

Date	Buy	Sell
2025 Q1	-	21
2024 Q4	-	75
2024 Q3	-	49
2024 Q2	-	16
2024 Q1	-	36

UPST Ownership FAQ

Who Owns Upstart?

Upstart shareholders are primarily institutional investors at 59.97%, followed by 12.53% insiders and 27.50% retail investors. The average institutional ownership in Upstart's industry, Credit Services Stocks, is 39.92%, 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 (6.31M shares, 7.00%), and Blackrock (5.66M shares, 6.51%). Together, they hold 22.16% 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 4.48% of its assets in 161.83K Upstart shares, valued at 9.96M$.

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 2.45M Upstart shares.

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