Upstart (NASDAQ:UPST) Insider Sells $28,236.26 in Stock

Upstart Holdings, Inc. (NASDAQ:UPST) insider Natalia Mirgorodskaya sold 974 shares of the company’s stock in a transaction dated Tuesday, May 26th. The shares were sold at an average price of $28.99, for a total value of $28,236.26. Following the completion of the sale, the insider owned 37,374 shares of the company’s stock, valued at $1,083,472.26. This represents a 2.54% decrease in their position. The transaction was disclosed in a legal filing with the SEC, which can be accessed through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan.

Natalia Mirgorodskaya also recently made the following trade(s):

• On Wednesday, May 20th, Natalia Mirgorodskaya sold 526 shares of Upstart stock. The shares were sold at an average price of $28.77, for a total value of $15,133.02.

Upstart Trading Up 3.4%

NASDAQ:UPST opened at $33.79 on Friday. Upstart Holdings, Inc. has a 1 year low of $23.97 and a 1 year high of $87.30. The stock has a market cap of $3.23 billion, a price-to-earnings ratio of 88.92, a PEG ratio of 0.88 and a beta of 2.26. The stock has a 50-day moving average price of $29.20 and a two-hundred day moving average price of $36.07.

Upstart (NASDAQ:UPST) last posted its earnings results on Tuesday, May 5th. The company reported ($0.07) earnings per share (EPS) for the quarter, missing analysts’ consensus estimates of $0.39 by ($0.46). Upstart had a net margin of 4.34% and a return on equity of 5.63%. The business had revenue of $308.21 million during the quarter, compared to analyst estimates of $301.30 million. During the same period in the previous year, the firm posted $0.30 earnings per share. The firm’s revenue was up 44.3% on a year-over-year basis. Sell-side analysts forecast that Upstart Holdings, Inc. will post 0.92 earnings per share for the current year.

Upstart declared that its board has initiated a share repurchase plan on Thursday, February 19th that allows the company to repurchase $100.00 million in shares. This repurchase authorization allows the company to purchase up to 3.2% of its shares through open market purchases. Shares repurchase plans are usually an indication that the company’s management believes its shares are undervalued.

Institutional Inflows and Outflows

Institutional investors and hedge funds have recently modified their holdings of the company. AQR Capital Management LLC boosted its position in Upstart by 89.5% during the first quarter. AQR Capital Management LLC now owns 96,706 shares of the company’s stock valued at $4,451,000 after purchasing an additional 45,664 shares during the last quarter. Integrated Wealth Concepts LLC boosted its position in Upstart by 13.8% during the first quarter. Integrated Wealth Concepts LLC now owns 4,628 shares of the company’s stock valued at $213,000 after purchasing an additional 563 shares during the last quarter. NewEdge Advisors LLC boosted its position in Upstart by 20.0% during the first quarter. NewEdge Advisors LLC now owns 1,997 shares of the company’s stock valued at $92,000 after purchasing an additional 333 shares during the last quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC boosted its position in Upstart by 18.7% during the first quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 173,017 shares of the company’s stock valued at $7,964,000 after purchasing an additional 27,287 shares during the last quarter. Finally, Acadian Asset Management LLC acquired a new position in Upstart during the first quarter valued at approximately $208,000. 63.01% of the stock is owned by institutional investors and hedge funds.

Key Stories Impacting Upstart

Here are the key news stories impacting Upstart this week:

• Positive Sentiment: Upstart published its April 2026 UMI update, which may have helped support shares by giving investors a newer read on company activity and lending trends. Upstart Publishes April 2026 UMI
• Positive Sentiment: Fintech stocks were broadly firmer, with coverage noting that Upstart joined peers in extending the sector’s rebound, which can lift sentiment around UPST. Fintech bounce article
• Neutral Sentiment: Shareholders approved directors and governance matters at the annual meeting, a routine corporate update that is unlikely to move the stock much on its own. Shareholder approval update
• Negative Sentiment: Multiple law firms issued reminders about the pending securities class action and June 8 lead-plaintiff deadline, keeping investor focus on litigation risk and allegations tied to the May 2025 to November 2025 period. Class action deadline reminder
• Negative Sentiment: The class-action filing itself remains a headline overhang, with allegations that Upstart misled investors, which can pressure the stock by increasing legal uncertainty. Securities fraud lawsuit

Analyst Ratings Changes

Several research analysts have recently weighed in on UPST shares. Citigroup cut Upstart from a “buy” rating to a “strong sell” rating in a research report on Friday, February 13th. Compass Point raised Upstart from a “sell” rating to a “neutral” rating and upped their price objective for the stock from $20.00 to $30.00 in a research report on Tuesday, February 17th. BTIG Research reaffirmed a “buy” rating and set a $43.00 price objective on shares of Upstart in a research report on Wednesday, May 6th. Zacks Research raised Upstart from a “strong sell” rating to a “hold” rating in a research report on Monday, April 13th. Finally, Piper Sandler reduced their price objective on Upstart from $56.00 to $46.00 and set an “overweight” rating for the company in a research report on Wednesday, May 6th. Seven analysts have rated the stock with a Buy rating, six have given a Hold rating and three have assigned a Sell rating to the company’s stock. Based on data from MarketBeat.com, Upstart has an average rating of “Hold” and an average target price of $45.79.

Upstart Company Profile

Upstart Holdings, Inc operates a cloud-based lending marketplace that leverages artificial intelligence and machine learning to assess borrower creditworthiness. The company partners with banks and credit unions, providing its proprietary AI models and underwriting platform to facilitate consumer credit products. By focusing on non‐traditional data points—such as education, employment history and other real‐time indicators—Upstart seeks to improve approval rates and lower loss rates compared with conventional credit scoring methods.

Upstart’s core offering centers on unsecured personal loans, which borrowers can use for purposes such as debt consolidation, home improvements or major purchases.