UPST Upstart Holdings, Inc.

NEUTRAL Impact: 2/10 Insider Cluster (3 insiders)
Horizon days Filed May 27, 2026 Processed 9d 5h ago
Insider cluster: 3 insiders, $0.4M total

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Executive Summary

Three UPST insiders, including the Chief Legal Officer and President of Capital & Enterprise, sold a total of ~$449K in open-market sales over a 7-day window. The dollar value is ~0.015% of market cap — trivial relative to the $2.9B company. The cluster is small, non-CEO, and likely driven by routine portfolio diversification or vesting-related liquidity, not a coordinated bearish signal.

Key Financial Metrics

Direction
selling
Total Value
$449.0K
Insiders
3

Actionable Insight

This cluster is too small to warrant a directional trade. The $449K in sales is noise relative to UPST's $2.9B market cap and is offset by $6.4M in insider purchases over the past 30 days. Monitor for any material corporate events (earnings, guidance, capital raise) that could explain a shift in insider behavior, but no action is warranted from this filing alone.

Key Facts

  • Three insiders sold a total of ~$449K in open-market sales from May 19–26, 2026.
  • Sales include CLO Scott Darling ($191K), President Sanjay Datta ($230K), and officer Natalia Mirgorodskaya ($28K).
  • Total sales represent ~0.015% of UPST's $2.9B market cap — well below the 0.1% materiality threshold.
  • No insider purchases were reported in the cluster window.
  • Recent 30-day insider activity shows $6.4M in buys vs $560K in sells, indicating net bullish insider positioning over the longer term.

Financial Impact

~$449K in insider sales, ~0.015% of market cap

Risk Factors

  • Insider sales could accelerate if a material negative catalyst emerges, but this cluster does not indicate one.
  • The cluster's small size and lack of CEO participation limit its informational value.

Market Snapshot

Exchange
Nasdaq
Sector
Finance Services
Analyst Consensus
62% bullish (21 analysts)

Documents Analyzed

This report is based on 1 SEC document filed with EDGAR.

DocumentAccession Number
CLUSTER Data (Synthetic)cluster-UPST-1779914271367
8 reports for UPST
Performance horizon
100% Hit rate 3 of 3 directional calls best @ T+20▲ +11.30%Feb 20, 2026
Filters
Rows
Reports for UPST — sortable, filterable
Type Now
May 27, 2026
9d ago
Insider Cluster
NEUTRAL ★ 2/10
awaiting T+5
May 20, 2026
16d ago
144
NEUTRAL ★ 2/10
$28.85 $32.69▲ +13.31%▲ +11.71%$29.74 (+3.08%)
May 19, 2026
17d ago
8-K
NEUTRAL ★ 3/10
$28.08 $30.45▲ +8.44%▲ +6.19%$29.74 (+5.91%)
May 18, 2026
18d ago
Insider Cluster
BULLISH ★ 6/10
$28.08 $30.45▲ +8.44%▲ +6.19%$29.74 (+5.91%)
May 15, 2026
21d ago
144
NEUTRAL ★ 2/10
$27.94 $30.62▲ +9.59%▲ +7.97%$29.74 (+6.44%)
May 7, 2026
4w ago
Insider Cluster
BULLISH ★ 6/10
$29.00 $29.71▲ +2.45%▲ +0.15%$29.74 (+2.55%)
Feb 20, 2026
15w ago
Insider Cluster
NEUTRAL ★ 3/10
$29.29 $27.23▼ −7.03%▼ −6.58%$29.74 (+1.54%)
Feb 20, 2026
15w ago
Insider Cluster
BEARISH ★ 7/10
$29.29 $27.23▲ +7.03%▲ +6.58%$29.74 (−1.54%)
Showing 8 of 8

US Market Status

Market Closed — Opens Mon (35h 17m)

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