Stock Trading Canary

United States · SEC Form 4 · Snapshot date: 2026-10-18 · Built: 2026-10-18 · 中文

← United States · Coverage record

US · SEC FORM 4

Upstart Holdings, Inc.

UPST · Nasdaq · CIK 0001647639 · Financial Services · Credit Services

INSIDER SIGNAL

54.9 / 100

2 buyers · 4 purchase transaction lines · $7.7M gross purchase

WHY THIS SIGNAL?

Buyer breadthLow
Purchase sizeModerate
RoleModerate
RecencyModerate
ConvictionLow
Score anatomy

Each bar shows the contribution to the current score; the weights and formula stay unchanged.

Cluster+14.0 / 35
Purchase size+19.9 / 25
Role+13.0 / 20
Recency+5.3 / 10
Conviction+2.7 / 10

What is holding the score back?

  • ⚠ Cluster breadth is moderate · 2 insider(s), not 4+
  • ⚠ Role scores low · most senior buyer: Chief Executive Officer (CEO, chair and 10% owners score lowest)
  • ⚠ Buying conviction is reduced by concurrent selling

Purchase-size comments are relative to the model scale. Average daily volume is a separate market-context diagnostic.

US-v1.2 ranks qualifying equity purchases under the current 180-day rules. The score is a research priority, not a return forecast or probability. Backtests have not shown that a higher US score is followed by better returns.

Insider activity timeline

Owner lanes show the latest 180 days. Symbol shape identifies the transaction type; sales remain context only.

AprMayJunJulAugSepOct
Datta SanjayPresident, Capital& Enterprise
▼▼▼▼▼▼○▼
Mirgorodskaya NataliaSee Remarks
○▼▼▼▼
Darling ScottChief Legal Officer
▼▼▼▼
Blankmeyer AndreaChief Financial Officer
▼▼▼
Gu PaulChief Executive Officer
●●
Girouard DaveDirector,TenPercentOwner
○●
● Purchase▼ Sale○ Other

Showing the six most active owners; 6 additional owner(s) remain in Form 4 evidence.

Purchase breadth & concentration

QUALIFYING BUYERS2
PURCHASE CONCENTRATION65%Largest buyer: Girouard Dave · $5.0M
CLUSTER BUYING · 15D2 insidersPeak activity: 2026-05-07–2026-05-13

Roles in the peak window: Chief Executive Officer, Director,TenPercentOwner. Concentration uses priced qualifying P lines only and does not change the saved score.

SIGNAL HISTORY

54.9 / 100

Latest recorded score

↓ -0.2 ptsversus the previous recorded snapshot
  1. 55.5
  2. 55.4
  3. 55.3
  4. 55.1
  5. 54.9

Only scores saved when a full US scoring run completed are shown; gaps are not reconstructed.

Recent Form 4 activity

6Purchases
39Sales
24Other Form 4 lines
47SEC filings · 365 days
BUYING4 qualifying P line(s) · 180 days
SELLING22 sale line(s) · context only
OTHER9 exercise / withholding / award / gift / other lines
10b5-1 / PLANNEDNot assessed

P is an open-market or private purchase. S is a sale. M, F, A and G usually describe exercises, tax withholding, awards and gifts. These categories remain visually separate.

Market context

Market context provides additional background on recent price performance and risk. It does not affect the Insider Signal.

Price performance

1M
-4.0%
3M
-23.4%
6M
-11.6%
12M
-53.4%

Volatility & liquidity

Volatility
82.6%
Beta
—
Avg daily value
USD 103.3M

Valuation

Market cap
USD 2.3B
P/E
43.8×

Fundamentals

Profit margin
5.1%
ROE
6.7%
Industry
Credit Services

Market data

Price data up to: 2026-10-11 · Price source: OpenBB/yfinance; volume from price cache (yfinance) · From SEC filings: Market cap, P/E, Profit margin, ROE · Fiscal year ended: 2025-12-31 · Market cap is the shares outstanding stated on the filing cover multiplied by the latest close. Share count date: 2026-07-28 · Status: PASS

Short interest

Short interest is external context reported to FINRA by broker-dealers. It does not affect the Insider Signal.

Shares short
28,569,957
Previous report
27,649,788
Avg daily volume
4,587,517
Days to cover
6.2

FINRA settlement date: 2026-09-30 · Captured 2026-10-12 · FINRA equity short interest ↗. A share count, published about a week after each of two settlement dates a month; not a percentage of shares outstanding.

Historical equity purchases

Qualifying code P transactions in the local Form 4 history, including purchases outside the current signal window.

Transaction dateReporting ownerTypeSecuritySharesAvg. priceApprox. valueSource
2026-09-10Gu PaulPurchase (P)Common Stock50,000USD 25.55USD 1,277,500SEC filing ↗
2026-05-13Gu PaulPurchase (P)Common Stock50,000USD 27.50USD 1,375,000SEC filing ↗
2026-05-07Girouard DavePurchase (P)Common Stock170,240USD 29.37USD 5,000,066SEC filing ↗
2025-11-11Gu PaulPurchase (P)Common Stock100,000USD 39.23USD 3,922,800SEC filing ↗
2023-05-15Cooper Kerry WhortonPurchase (P)Common Stock2,000USD 19.93USD 39,860SEC filing ↗
2020-12-18Loeb Daniel S; Third Point LLCPurchase (P)Common Stock1,200,000USD 20.00USD 24,000,000SEC filing ↗

Form 4 evidence

69 transaction lines in the latest 365-day window; 1,689 in local history.

DateOwnerTypeSecuritySharesAvg. priceApprox. valueSource
2026-09-10Gu PaulPurchase (P)Common Stock50,000USD 25.55USD 1,277,500SEC filing ↗
2026-09-08Datta SanjaySale (S)Common Stock116,000USD 27.29USD 3,165,640SEC filing ↗
2026-09-08Datta SanjayOption exercise / conversion (M)Common Stock300,000USD 1.35USD 405,000SEC filing ↗
Show recent Form 4 evidence (30 grouped rows)
DateOwnerTypeSecuritySharesAvg. priceApprox. valueSource
2026-09-10Gu PaulPurchase (P)Common Stock50,000USD 25.55USD 1,277,500SEC filing ↗
2026-09-08Datta SanjaySale (S)Common Stock116,000USD 27.29USD 3,165,640SEC filing ↗
2026-09-08Datta SanjayOption exercise / conversion (M)Common Stock300,000USD 1.35USD 405,000SEC filing ↗
2026-08-25Mirgorodskaya NataliaSale (S)Common Stock913USD 30.03USD 27,417SEC filing ↗
2026-08-20Mirgorodskaya NataliaSale (S)Common Stock586USD 28.09USD 16,461SEC filing ↗
2026-08-20Datta SanjaySale (S)Common Stock8,945USD 28.09USD 251,265SEC filing ↗
2026-08-20Darling ScottSale (S)Common Stock7,696USD 28.09USD 216,181SEC filing ↗
2026-08-19Datta SanjaySale (S)Common Stock10,000USD 31.46USD 314,600SEC filing ↗
2026-08-19Blankmeyer AndreaSale (S)Common Stock3,000USD 29.33USD 87,990SEC filing ↗
2026-08-17Datta SanjaySale (S)Common Stock2,033USD 29.36USD 59,689SEC filing ↗
2026-08-17Darling ScottSale (S)Common Stock814USD 29.36USD 23,899SEC filing ↗
2026-08-17Blankmeyer AndreaSale (S)Common Stock7,175USD 29.36USD 210,658SEC filing ↗
2026-06-09Datta SanjaySale (S)Common Stock15,000USD 30.41USD 456,150SEC filing ↗
2026-05-29Wennes Timothy HAward / grant (A)Common Stock6,476USD 0.00USD 0SEC filing ↗
2026-05-29Terry Hilliard C. IIIAward / grant (A)Common Stock6,476USD 0.00USD 0SEC filing ↗
2026-05-29O'Kelly CiaranAward / grant (A)Common Stock6,476USD 0.00USD 0SEC filing ↗
2026-05-29Hentges MaryAward / grant (A)Common Stock6,476USD 0.00USD 0SEC filing ↗
2026-05-29Cooper Kerry WhortonAward / grant (A)Common Stock6,476USD 0.00USD 0SEC filing ↗
2026-05-29Bernard Peter JAward / grant (A)Common Stock6,476USD 0.00USD 0SEC filing ↗
2026-05-26Mirgorodskaya NataliaSale (S)Common Stock974USD 28.99USD 28,236SEC filing ↗
2026-05-20Mirgorodskaya NataliaSale (S)Common Stock526USD 28.77USD 15,133SEC filing ↗
2026-05-20Datta SanjaySale (S)Common Stock7,985USD 28.77USD 229,728SEC filing ↗
2026-05-20Darling ScottSale (S)Common Stock6,634USD 28.78USD 190,927SEC filing ↗
2026-05-15Mirgorodskaya NataliaOption exercise / conversion (M)Common Stock4,600USD 1.35USD 6,210SEC filing ↗
2026-05-15Datta SanjaySale (S)Common Stock1,817USD 29.56USD 53,702SEC filing ↗
2026-05-15Darling ScottSale (S)Common Stock727USD 29.54USD 21,474SEC filing ↗
2026-05-15Blankmeyer AndreaSale (S)Common Stock7,044USD 29.63USD 208,714SEC filing ↗
2026-05-13Gu PaulPurchase (P)Common Stock50,000USD 27.50USD 1,375,000SEC filing ↗
2026-05-07Girouard DavePurchase (P)Common Stock170,240USD 29.37USD 5,000,066SEC filing ↗
2026-05-07Girouard DaveOption exercise / conversion (M)Common Stock835,075USD 0.83USD 693,112SEC filing ↗

Multiple price lines in one filing are grouped and share-weighted. Price and value are blank when a grouped filing line lacks price evidence.

Snapshot & identity

Snapshot date2026-10-18
Ranking versionUS-v1.2
Data qualityPASS ELIGIBLE · —
TickerUPST
CIK0001647639
SectorFinancial Services
IndustryCredit Services Yahoo Finance
SEC SIC6199 Finance Services
ExchangeNasdaq

Data coverage

Local Form 4 history1,689 transaction lines from 2020-12-15 to 2026-09-10
8 P purchase lines · 1,344 S sale lines · 337 other lines
SEC company submissionsOpen SEC filings ↗

Local ledger as of 2026-10-18. Mapping status is an audit field and does not erase SEC filing evidence.