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UPST — structural market context

Upstart Holdings, Inc.

Structural market context from public regulatory and market data, shown with its as-of dates. Descriptive only: nothing on this page is a recommendation, a prediction, or advice to buy or sell any security.

What changed

As of the close on Oct 21. Each line shows the earlier value, the later value and their dates.

Price

Close $23.66 (Oct 21) vs $23.65 (Oct 20): +0.04%.

Volume

0.60× its 20-session average (4.3M) on Oct 21.

Includes pre- and post-market trading.

Short interest

Short interest 28.6M shares (settlement Sep 30) vs 27.6M (Sep 15).

No new publication in this window. Latest: settlement Sep 30, published Oct 10.

Fails-to-deliver

Latest file (settlements Sep 15–Sep 30, published Oct 16): 5 days with fails, largest 219K shares on Sep 29.

Previous file (settlements Sep 1–Sep 14, published Sep 30): 4 days with fails, largest 170K shares on Sep 8.

No new publication in this window.

Analyst rating actions

None recorded in this window.

Insider filings (Form 4)

None recorded in this window.

UPST: what the public data shows

Each row is the latest public record we hold for UPST, with its own date and source. Figures are descriptive and delayed by their source.

DataLatest recordAs ofSource
Short interest→ Short Interest & FTD tracker28.6M shares short · 6.2 days to cover · 34.3% of float · +3.3% vs 2026-09-152026-09-30FINRA
Fails-to-deliver→ Short Interest & FTD tracker219K shares failed to deliver on 2026-09-292026-09-29SEC fails-to-deliver files
Insider Form 4 (P/S)→ Insider Buying tracker1 purchase and 10 sales in 12 months · latest filed 2026-09-10 by Gu Paul2026-09-10SEC Form 4
Analyst rating actions5 recent actions · latest published by Citigroup on 2026-10-152026-10-15Firms' published actions
Short interest→ Short Interest & FTD tracker
Latest record
28.6M shares short · 6.2 days to cover · 34.3% of float · +3.3% vs 2026-09-15
As of
2026-09-30
Source
FINRA
Fails-to-deliver→ Short Interest & FTD tracker
Latest record
219K shares failed to deliver on 2026-09-29
As of
2026-09-29
Source
SEC fails-to-deliver files
Insider Form 4 (P/S)→ Insider Buying tracker
Latest record
1 purchase and 10 sales in 12 months · latest filed 2026-09-10 by Gu Paul
As of
2026-09-10
Source
SEC Form 4
Analyst rating actions
Latest record
5 recent actions · latest published by Citigroup on 2026-10-15
As of
2026-10-15
Source
Firms' published actions

UPST events and their magnitude

Latest SEC filing in the event study

8-K 1.01 · Material agreement · filed 2026-10-20 · View on sec.gov ↗

…

Open the Event Study →

UPST short interest & days to cover

SHARES SHORT
28.6M
% OF FLOAT
34.3%
DAYS TO COVER
6.2
CHANGE VS PRIOR
+3.3%

FINRA consolidated short interest, reported twice a month and published ~2 weeks after each settlement date. % of float uses reported free float. · as of 2026-09-30 (22d ago)

UPST fails-to-deliver (FTD)

Settlement dateFailed sharesPrice
2026-09-29 · 23d219K$23.03
2026-09-28 · 24d15K$23.81
2026-09-22 · 30d186$25.58

SEC fails-to-deliver files, published twice a month with ~6 weeks of delay.

UPST insider buying and selling (Form 4)

Last 12 months, Form 4 codes P and S: 1 purchase · 10 sales

Most recent Form 4 shown for UPST: Gu Paul (Chief Executive Officer) reported a purchase (code P) of 50,000 shares at $25.55 on 2026-09-10, filed 2026-09-10 (0 days after the trade).

InsiderTypeSharesPriceValueTrade dateFiled
Gu Paul · director, officer: Chief Executive OfficerPurchase (P)50K$25.55$1.3M2026-09-102026-09-10 · +0d
Datta Sanjay · officer: President, Capital& EnterpriseSale (S)116K$27.29$3.2M2026-09-082026-09-10 · +2d
Mirgorodskaya Natalia · officer: See RemarksSale (S)913$30.03$27K2026-08-252026-08-27 · +2d
Datta Sanjay · officer: President, Capital& EnterpriseSale (S)9K$28.09$251K2026-08-202026-08-21 · +1d
Datta Sanjay · officer: President, Capital& EnterpriseSale (S)10K$31.46$315K2026-08-192026-08-21 · +2d

SEC Form 4 filings: purchases and sales reported on Form 4 (transaction codes P and S) only; grants and option exercises excluded. Attributed public records.

UPST analyst ratings

FirmActionRatingPublished
CitigroupholdMarket Underperform2026-10-15
Goldman Sachsprice_target—2026-10-13
NeedhamholdBuy2026-10-06
Needhamprice_target—2026-10-06
Loop Capital MarketsinitialiseHold (from Buy)2026-09-08

Rating actions as published by the firms, from public feeds. They are not graded here.

Frequently asked questions

What is UPST's short interest?
As of the FINRA settlement date 2026-09-30, UPST had 28.6M shares sold short — 34.3% of its float, with 6.2 days to cover at average volume. FINRA publishes this data roughly two weeks after each twice-monthly settlement, so it is inherently delayed. A short-interest figure describes an aggregate position; it does not predict what the stock will do.
Are insiders buying UPST?
In the last 12 months of SEC Form 4 filings, UPST recorded 1 insider purchase and 10 sales reported on Form 4 (transaction codes P and S; grants and option exercises excluded). These are attributed public records — information, not instruction.
What do analysts say about UPST?
The most recent action: Citigroup hold to Market Underperform on 2026-10-15. Rating actions are shown as published by the firms; they are not graded here.
Is this page telling me to buy or sell UPST?
No. Everything on this page is descriptive, structural market context from public data, shown with its as-of dates. TradeAI News does not issue directional recommendations, price predictions, or buy/sell advice — for any ticker.
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UPST: the full history

Latest rows shown. Full history, market-wide screens, cluster detection and the context journal live in the dashboard.

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Not financial advice. Trading involves risk. Descriptive structural context, never a recommendation.