§ FINANCIAL SERVICES
USD · Financial ServicesUPST
UPSTART HOLDINGS INC
USDSector · Financial ServicesBeta · 2.34
§ 01 · PRICE
Price action
1D5D1M6MYTD1YMAX
§ 03 · SIGNAL STACK · WHAT THE INPUTS SAY
13F FLOW
212 increased/new, 108 decreased/exited (13F)
AC 13F Analysis
§ 04 · FUNDAMENTALS · THE BOOKS
| P/E | 46.8 | P/B | 5.33 |
| EPS (TTM) | 0.48 |
§ 05 · WHO OWNS IT
Top institutional holders
| Fund | Shares | % port | Δ Q/Q |
|---|---|---|---|
| BlackRock, Inc. | 7.4M | 0.0% | +4% |
| Morgan Stanley | 4.0M | 0.0% | n/a |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.8M | n/a | n/a |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 3.7M | n/a | n/a |
| Marshall Wace LLP | 3.3M | 0.1% | +495% |
| Geode Capital Management | 2.1M | 0.0% | +3% |
◇ AC INTELLIGENCE
Top institutional owners for UPST as of the most recent 13F reporting period (Q1 2026 · Period ended Mar 31). Δ Q/Q reflects share-count change vs. the prior filing — positive green means adding, negative red means trimming. Cross-reference with the ownership-mix bars below to see which strategy cohort is driving the flow.
§ 06 · WHO OWNS IT · BY STRATEGY
OTHER12.1% · 0 holders
OTHER34.6% · 253 holders
DEALER / BANK15.5% · 35 holders
SYSTEMATIC / QUANT11.9% · 11 holders
PASSIVE / INDEX11.6% · 10 holders
TACTICAL / MACRO8.3% · 5 holders
GROWTH / MOMENTUM2.1% · 2 holders
QUALITY / COMPOUNDER1.9% · 18 holders
ACTIVIST1.7% · 1 holder
INCOME / DEFENSIVE0.3% · 12 holders
◇ AC INTELLIGENCE
Ownership mix by behavioral cohort. Top bars indicate which style of capital dominates the float — passive indexing, quality compounders, dealer/bank, systematic quant, etc. Big quality-compounder share means concentrated active conviction; heavy passive share means flows are dictated by index rebalances, not fundamentals.
§ 07 · INSIDER ACTIVITY · LAST 180 DAYS
NO INSIDER FILINGS
◇ AC INTELLIGENCE
No Form 4 filings on record for UPST in the last 180 days.
§ 08 · COVERAGE · OUR RECENT NOTES
No notes mention UPST yet.