Upstart (UPST) Stock Analysis & Price (Updated Oct 16, 2026, 4:00 PM ET)
Updated Oct 16, 2026, 4:00 PM ET
- Closed at $23.56, -4.81% vs the prior close of $24.75.
- Volume 4.27M shares, 1.0x its 50-day average.
- No new SEC filings since the prior session.
- No new insider buys or sales reported since the prior session.
UPST slides 4.8% to $23.56. Closed at $23.56, -4.81% vs the prior close of $24.75. Day range $23.25–$24.95, opened at $24.72.
UPST daily analysis — what happened
A plain-English, data-only note written after every US trading day. Newest first; older days stay archived below.
Oct 16, 2026 — UPST slides 4.8% to $23.56
- Closed at $23.56, -4.81% vs the prior close of $24.75. Day range $23.25–$24.95, opened at $24.72.
- Volume was 4.27M shares, 1.0x its 50-day average of 4.29M.
- Price is -11.4% vs its 50-day average ($26.59) and -24.2% vs its 200-day average ($31.09).
- 52-week range $22.21–$55.22; today's close sits at 4% of that range, 57.3% below the 52-week high.
Oct 15, 2026 — UPST jumps 8.8% to $24.75
- Closed at $24.75, +8.84% vs the prior close of $22.74. Day range $22.26–$24.75, opened at $22.33.
- Volume was 6.17M shares, 1.4x its 50-day average of 4.41M.
- Price is -7.4% vs its 50-day average ($26.72) and -20.7% vs its 200-day average ($31.20).
- 52-week range $22.21–$55.22; today's close sits at 8% of that range, 55.2% below the 52-week high.
Oct 14, 2026 — UPST slides 4.6% to $22.74, a 52-week low
- Closed at $22.74, -4.57% vs the prior close of $23.83. Day range $22.21–$23.35, opened at $23.15.
- Volume was 5.02M shares, 1.1x its 50-day average of 4.47M.
- Price is -15.2% vs its 50-day average ($26.83) and -27.4% vs its 200-day average ($31.31).
- 52-week range $22.21–$55.22; today's close sits at 2% of that range, 58.8% below the 52-week high.
Oct 13, 2026 — UPST rises 0.3% to $23.83
- Closed at $23.83, +0.34% vs the prior close of $23.75. Day range $23.31–$23.95, opened at $23.40.
- Volume was 3.12M shares, 0.7x its 50-day average of 4.50M.
- Price is -11.7% vs its 50-day average ($26.98) and -24.2% vs its 200-day average ($31.43).
- 52-week range $22.56–$55.22; today's close sits at 4% of that range, 56.8% below the 52-week high.
Oct 12, 2026 — UPST dips 1.5% to $23.75
- Closed at $23.75, -1.45% vs the prior close of $24.10. Day range $23.66–$24.24, opened at $24.00.
- Volume was 2.74M shares, 0.6x its 50-day average of 4.51M.
- Price is -12.3% vs its 50-day average ($27.09) and -24.7% vs its 200-day average ($31.55).
- 52-week range $22.56–$55.22; today's close sits at 4% of that range, 57.0% below the 52-week high.
Oct 9, 2026 — UPST dips 0.4% to $24.10
- Closed at $24.10, -0.37% vs the prior close of $24.19. Day range $23.82–$24.50, opened at $24.44.
- Volume was 2.68M shares, 0.6x its 50-day average of 4.54M — lighter than usual.
- Price is -11.3% vs its 50-day average ($27.16) and -23.9% vs its 200-day average ($31.68).
- 52-week range $22.56–$55.22; today's close sits at 5% of that range, 56.4% below the 52-week high.
Oct 8, 2026 — UPST rises 0.7% to $24.19
- Closed at $24.19, +0.71% vs the prior close of $24.02. Day range $23.41–$24.25, opened at $23.60.
- Volume was 4.22M shares, 0.9x its 50-day average of 4.56M.
- Price is -11.1% vs its 50-day average ($27.22) and -23.9% vs its 200-day average ($31.80).
- 52-week range $22.56–$55.22; today's close sits at 5% of that range, 56.2% below the 52-week high.
Oct 7, 2026 — UPST rises 0.7% to $24.02
- Closed at $24.02, +0.67% vs the prior close of $23.86. Day range $23.47–$24.08, opened at $23.77.
- Volume was 3.17M shares, 0.7x its 50-day average of 4.57M.
- Price is -11.9% vs its 50-day average ($27.27) and -24.7% vs its 200-day average ($31.92).
- 52-week range $22.56–$55.22; today's close sits at 4% of that range, 56.5% below the 52-week high.
Oct 6, 2026 — UPST dips 2.0% to $23.86
- Closed at $23.86, -2.01% vs the prior close of $24.35. Day range $23.82–$24.90, opened at $24.88.
- Volume was 4.44M shares, 1.0x its 50-day average of 4.54M.
- Price is -12.7% vs its 50-day average ($27.35) and -25.5% vs its 200-day average ($32.03).
- 52-week range $22.56–$55.22; today's close sits at 4% of that range, 56.8% below the 52-week high.
Oct 5, 2026 — UPST jumps 6.8% to $24.35
- Closed at $24.35, +6.75% vs the prior close of $22.81. Day range $22.72–$24.45, opened at $22.94.
- Volume was 6.21M shares, 1.4x its 50-day average of 4.49M.
- Price is -11.2% vs its 50-day average ($27.42) and -24.2% vs its 200-day average ($32.14).
- 52-week range $22.56–$55.22; today's close sits at 5% of that range, 55.9% below the 52-week high.
Oct 2, 2026 — UPST dips 0.6% to $22.81, a 52-week low, 3 down days in a row
- Closed at $22.81, -0.61% vs the prior close of $22.95. Day range $22.77–$23.56, opened at $23.50.
- Volume was 4.12M shares, 0.9x its 50-day average of 4.48M.
- Price is -17.0% vs its 50-day average ($27.47) and -29.3% vs its 200-day average ($32.25).
- 52-week range $22.56–$55.22; today's close sits at 1% of that range, 58.7% below the 52-week high.
- That makes 3 straight losses.
UPST latest news & SEC filings
Every SEC filing by or about UPST in the last 120 days, explained in plain English. Updated daily, with a same-day refresh for new filings.
Sep 10, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Gu Paul bought 50,000 shares at $25.55 (≈$1.28M) on Sep 10, 2026
- Gu Paul bought 50,000 shares at $25.55 (≈$1.28M) on Sep 10, 2026
- Gu Paul bought 50,000 shares at $25.55 (≈$1.28M) on Sep 10, 2026
- Gu Paul bought 50,000 shares at $25.55 (≈$1.28M) on Sep 10, 2026
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Sep 10, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Datta Sanjay sold 116,000 shares at $27.29 (≈$3.17M) on Sep 8, 2026
- Datta Sanjay sold 116,000 shares at $27.29 (≈$3.17M) on Sep 8, 2026
- Datta Sanjay sold 116,000 shares at $27.29 (≈$3.17M) on Sep 8, 2026
- Datta Sanjay sold 116,000 shares at $27.29 (≈$3.17M) on Sep 8, 2026
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Sep 8, 2026 · Form 144 — Planned insider sale
Notice of proposed sale (Form 144) — an insider or affiliate plans to sell restricted or control shares
A notice of intent, not a completed sale. Any actual sale by a director or officer shows up later on Form 4.
Aug 27, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Mirgorodskaya Natalia sold 913 shares at $30.03 (≈$27.42K) on Aug 25, 2026
- Mirgorodskaya Natalia sold 913 shares at $30.03 (≈$27.42K) on Aug 25, 2026
- Mirgorodskaya Natalia sold 913 shares at $30.03 (≈$27.42K) on Aug 25, 2026
- Mirgorodskaya Natalia sold 913 shares at $30.03 (≈$27.42K) on Aug 25, 2026
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Aug 25, 2026 · Form 144 — Planned insider sale
Notice of proposed sale (Form 144) — an insider or affiliate plans to sell restricted or control shares
A notice of intent, not a completed sale. Any actual sale by a director or officer shows up later on Form 4.
Aug 21, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Datta Sanjay sold 8,945 shares at $28.09 (≈$251.27K) on Aug 20, 2026
- Datta Sanjay sold 8,945 shares at $28.09 (≈$251.27K) on Aug 20, 2026
- Datta Sanjay sold 8,945 shares at $28.09 (≈$251.27K) on Aug 20, 2026
- Datta Sanjay sold 8,945 shares at $28.09 (≈$251.27K) on Aug 20, 2026
- Datta Sanjay sold 10,000 shares at $31.46 (≈$314.60K) on Aug 19, 2026
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Aug 5, 2026 · Form 10-Q/A — Quarterly report (amended)
Amended quarterly report
Key figures from this report aren't in the SEC's structured data yet (usually appears within a day or two).
Aug 4, 2026 · Form 10-Q — Quarterly report
Quarterly report (unaudited financial statements for the quarter)
Quarter ended Jun 30, 2026:
- Revenue: $364.71M (prior year $257.29M) (+41.7% vs Jun 30, 2025)
- Net income: $16.54M (prior year $5.61M) (+195.0% vs Jun 30, 2025)
- Diluted EPS: $0.16 (prior year $0.05) (+220.0% vs Jun 30, 2025)
Aug 4, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 2.02 — Reported results of operations (earnings release).
This is a results-day filing: the earnings press release is attached as an exhibit.
Jul 13, 2026 · Form SCHEDULE 13G/A — Update to a passive 5%+ stake (13G)
Update to a passive 5%+ stake (13G)
Filed by an outside investor (not the company). It reports a holding of more than 5% of a share class; percentage and holder name are in the filing.
Things to know before you trade UPST
- Last results release: Aug 4, 2026 (8-K Item 2.02). Previous ones: May 5, 2026, Feb 10, 2026, Nov 4, 2025. Based on that rhythm, the next report is likely around Nov 3, 2026 — an estimate, not a confirmed date.
- How much it moves: over the last 20 sessions the average daily move was 2.48% (largest 8.8%).
- Liquidity: about 4.44M shares (≈$104.56M) trade per day on average.
- 52-week position: $23.56 vs a range of $22.21–$55.22 (4% of the range).
- Dividends: no cash dividends in the last 2 years.
- Splits: none in the last 2 years.
- Insider trades (Form 4, last 12 months, recent 25 shown): 4 open-market buys, 21 sales; latest: Paul Gu bought 50,000 shares on Sep 10, 2026.
- Latest filings: 10-Q Aug 4, 2026; 8-K Aug 4, 2026; 8-K May 28, 2026.
- Share count: 97.31M shares outstanding (Jul 28, 2026), +1.1% vs a year earlier.
- Listing: Nasdaq · industry: Finance Services.
UPST market data (last 20 sessions)
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| Oct 16, 2026 | 24.72 | 24.95 | 23.25 | 23.56 | 4.27M |
| Oct 15, 2026 | 22.33 | 24.75 | 22.26 | 24.75 | 6.18M |
| Oct 14, 2026 | 23.15 | 23.35 | 22.21 | 22.74 | 5.02M |
| Oct 13, 2026 | 23.40 | 23.95 | 23.31 | 23.83 | 3.12M |
| Oct 12, 2026 | 24.00 | 24.24 | 23.66 | 23.75 | 2.74M |
| Oct 9, 2026 | 24.44 | 24.50 | 23.82 | 24.10 | 2.68M |
| Oct 8, 2026 | 23.60 | 24.25 | 23.41 | 24.19 | 4.22M |
| Oct 7, 2026 | 23.77 | 24.08 | 23.47 | 24.02 | 3.17M |
| Oct 6, 2026 | 24.88 | 24.90 | 23.82 | 23.86 | 4.44M |
| Oct 5, 2026 | 22.94 | 24.45 | 22.72 | 24.35 | 6.21M |
| Oct 2, 2026 | 23.50 | 23.56 | 22.77 | 22.81 | 4.12M |
| Oct 1, 2026 | 22.99 | 23.38 | 22.56 | 22.95 | 4.85M |
| Sep 30, 2026 | 23.34 | 23.53 | 22.78 | 22.99 | 3.50M |
| Sep 29, 2026 | 23.29 | 23.68 | 22.91 | 23.14 | 4.05M |
| Sep 28, 2026 | 23.43 | 23.50 | 22.78 | 23.03 | 5.00M |
| Sep 25, 2026 | 24.79 | 24.88 | 23.81 | 23.81 | 4.59M |
| Sep 24, 2026 | 24.33 | 24.78 | 23.72 | 24.64 | 5.13M |
| Sep 23, 2026 | 25.78 | 26.19 | 24.43 | 24.45 | 6.75M |
| Sep 22, 2026 | 26.50 | 26.61 | 25.52 | 25.97 | 4.05M |
| Sep 21, 2026 | 25.53 | 25.93 | 25.28 | 25.58 | 4.65M |
About Upstart
Upstart (UPST) is listed on the Nasdaq and classified by the SEC under “Finance Services”. Its business address is in BURLINGAME, CA. State of incorporation: DE. Fiscal year ends December 31. SEC CIK 1647639.
UPST board of directors & executives
From SEC Form 3/4/5 insider filings made in the last 12 months (date = latest filing).
Directors
| Name | Role | Latest filing |
|---|---|---|
| Peter J Bernard | Director | Jun 2, 2026 |
| Kerry Whorton Cooper | Director | Jun 2, 2026 |
| Dave Girouard | Director | May 8, 2026 |
| Paul Gu | Chief Executive Officer | Sep 10, 2026 |
| Mary Hentges | Director | Jun 2, 2026 |
| Ciaran O'Kelly | Director | Jun 2, 2026 |
| Hilliard C. Iii Terry | Director | Jun 2, 2026 |
| Timothy H Wennes | Director | Jun 2, 2026 |
Executive officers
| Name | Title | Latest filing |
|---|---|---|
| Andrea Blankmeyer | Chief Financial Officer | Aug 19, 2026 |
| Scott Darling | Chief Legal Officer | Aug 21, 2026 |
| Sanjay Datta | President, Capital& Enterprise | Sep 10, 2026 |
| Paul Gu | Chief Executive Officer | Sep 10, 2026 |
| Natalia Mirgorodskaya | See Remarks | Aug 27, 2026 |
Recent insider buys & sales
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Sep 10, 2026 | Paul Gu | Buy | 50,000 | $25.55 |
| Sep 10, 2026 | Paul Gu | Buy | 50,000 | $25.55 |
| Sep 10, 2026 | Paul Gu | Buy | 50,000 | $25.55 |
| Sep 10, 2026 | Paul Gu | Buy | 50,000 | $25.55 |
| Sep 8, 2026 | Sanjay Datta | Sale | 116,000 | $27.29 |
| Sep 8, 2026 | Sanjay Datta | Sale | 116,000 | $27.29 |
| Sep 8, 2026 | Sanjay Datta | Sale | 116,000 | $27.29 |
| Sep 8, 2026 | Sanjay Datta | Sale | 116,000 | $27.29 |
| Aug 25, 2026 | Natalia Mirgorodskaya | Sale | 913 | $30.03 |
| Aug 25, 2026 | Natalia Mirgorodskaya | Sale | 913 | $30.03 |
| Aug 25, 2026 | Natalia Mirgorodskaya | Sale | 913 | $30.03 |
| Aug 25, 2026 | Natalia Mirgorodskaya | Sale | 913 | $30.03 |
| Aug 20, 2026 | Sanjay Datta | Sale | 8,945 | $28.09 |
| Aug 20, 2026 | Sanjay Datta | Sale | 8,945 | $28.09 |
| Aug 20, 2026 | Sanjay Datta | Sale | 8,945 | $28.09 |
UPST financials (annual, from XBRL filings)
| Fiscal year end | Revenue | Net income | Diluted EPS | Operating cash flow |
|---|---|---|---|---|
| Dec 31, 2025 | — | $53.60M | 0.45 | $-147.72M |
| Dec 31, 2024 | — | $-128.58M | -1.44 | $186.33M |
| Dec 31, 2023 | — | $-240.13M | -2.87 | $-111.71M |
| Dec 31, 2022 | $907.27M | $-108.67M | -1.31 | $-657.86M |
| Dec 31, 2021 | $801.27M | $135.44M | 1.43 | $168.35M |
Latest balance sheet: total assets $3.17B, total liabilities $2.37B, cash $455.96M (as of Jun 30, 2026).
UPST earnings / results-day log
| Date | Filing | Close that day |
|---|---|---|
| Aug 4, 2026 | 8-K Item 2.02 (results) | $30.32 |
| May 5, 2026 | 8-K Item 2.02 (results) | $31.17 |
| Feb 10, 2026 | 8-K Item 2.02 (results) | $38.96 |
| Nov 4, 2025 | 8-K Item 2.02 (results) | $46.24 |
| Aug 5, 2025 | 8-K Item 2.02 (results) | $82.62 |
| May 6, 2025 | 8-K Item 2.02 (results) | $51.40 |
| Feb 11, 2025 | 8-K Item 2.02 (results) | $67.34 |
| Nov 7, 2024 | 8-K Item 2.02 (results) | $55.47 |
| Aug 6, 2024 | 8-K Item 2.02 (results) | — |
| May 7, 2024 | 8-K Item 2.02 (results) | — |
| Feb 13, 2024 | 8-K Item 2.02 (results) | — |
| Nov 7, 2023 | 8-K Item 2.02 (results) | — |
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Information only, not investment advice. BuyMeWhiskey is not a registered investment adviser or broker-dealer; nothing here is a recommendation to buy, sell or hold any security, and there are no price targets. Data comes from SEC EDGAR filings and public end-of-day market data and may be delayed or contain errors. Verify with the company's filings before making decisions. Prices: end-of-day data as of Oct 16, 2026, 4:00 PM ET. Filings: SEC EDGAR. Updated after every US trading day.