InvestorLens

UPST — UPSTART HLDGS INC

Financial Services

Sign in to save5 tracked investors reported this
For educational research only.InvestorLens analyzes public regulatory filings (SEC EDGAR, STOCK Act PTRs) that may be delayed by 45 days or more. Information shown is historical and is not financial, legal, or tax advice, nor a recommendation or solicitation to buy or sell any security. Always do your own research.

InvestorLens aggregates public filing data to show which tracked investors reported holdings in this stock. Dollar values represent reported position values, not market capitalization, and may be delayed up to 45 days. Not a recommendation.

Sourced from SEC EDGAR public filings

Why are billionaires buying UPST?

Built from public SEC filings and public economic data. Not a recommendation.

Confidence
95
Institutional Conviction
Net accumulation · 1 buying vs 0 selling last quarter
65
Macro Tailwind
Macro conditions are mixed for this sector
56
Why? — Evidence & Confidence ▾

Of 1 tracked investors who changed their UPST position last quarter, 1 bought and 0 sold (100% buy-side). Macro conditions are mixed for this sector (Macro Tailwind 56/100 in a Overheat regime).

Supporting evidence
  • +1 tracked investor added or increased positions last quarter (Howard Marks)
  • +5 tracked investors reported holding UPST at their latest filing
  • +Macro Health is 56/100 in a Overheat regime — historically acceptable for Financial Servicessource
Contradicting evidence — always shown
  • −13F data is disclosed up to 45 days after quarter end — positions may have changed since
Know the limits
  • · 13F disclosure lag (up to 45 days)
  • · Tracked investors are a sample, not the whole market
  • · Sector regime fit is a historical average, not a guarantee

Every InvestorLens score shows its evidence — including what argues against it. Model conviction-v1 · generated 9/18/2026.

About UPSTART HLDGS INC (UPST)

UPSTART HLDGS INC (UPST) appears in the most recent 13F filings of 5 tracked institutional investors. UPSTART HLDGS INC is classified in the Financial Services sector. The largest disclosed position is held by Ken Griffin (Citadel Advisors), valued at $372M. Across recent filings, tracked investors recorded 4 new positions, 6 increased, 4 reduced, and 2 exited. All data sourced from SEC 13F filings.

Smart Money Consensus™

Based on recent institutional activity in UPST

63
/100
Institutional Accumulation
Added / Increased10
Reduced4
Exited2
BearishBullish
Crowded Trade Score™

How many top investors track UPST

33
/100
Emerging Interest
5investors

A small number of top investors own this.

UndiscoveredCrowded
151015+

UPST Ownership Composition

How UPSTART HLDGS INC is held across tracked investor types, based on reported 13F positions.

Dominant Type
Multi-Strategy / Quant
83% of tracked value
Institutions
5
tracked investors
Total Reported
$234M
combined 13F value
Types3
  • Multi-Strategy / Quant83.3%
  • Growth & Innovation13.2%
  • Value & Distressed3.5%
Multi-Strategy / Quant(3)
83.3%
Growth & Innovation(1)
13.2%
Value & Distressed(1)
3.5%

Tracked investors currently reporting UPST

1 tracked investor has since exited this position — listed separately below.

  • Ken GriffinJun 30, 2026
    Citadel Advisors
    Shares
    3.5M
    Value
    $122.4M
    % Portfolio
    0.01%
  • Philippe LaffontJun 30, 2026
    Coatue Management
    Shares
    870.9K
    Value
    $30.9M
    % Portfolio
    0.06%
  • Izzy EnglanderJun 30, 2026
    Millennium Management
    Shares
    860.4K
    Value
    $30.5M
    % Portfolio
    0.01%
  • Steve CohenJun 30, 2026
    Point72 Asset Management
    Shares
    1.2M
    Value
    $41.9M
    % Portfolio
    0.05%
  • Howard MarksJun 30, 2026
    Oaktree Capital Management
    Shares
    8.3M
    Value
    $8.3M
    % Portfolio
    0.11%

Previously held UPST

These investors reported UPST in an earlier quarter but not in their most recent 13F. Figures below are their last reported position, not a current holding.

InvestorFirmLast reported sharesValue thenLast held
Paul Tudor JonesTudor Investment Corp308K$7.9MMar 31, 2026

Recent activity

Frequently asked questions

How many institutional investors hold UPST?
5 tracked institutional investors disclosed a position in UPST (UPSTART HLDGS INC) in their most recent 13F filing.
Who is the largest institutional holder of UPST?
Ken Griffin, Citadel Advisors, holds the largest disclosed position in UPST, valued at $372M.
Did institutional ownership of UPST increase or decrease?
Across recent 13F filings, tracked investors recorded 4 new positions, 6 increased, 4 reduced, and 2 fully exited UPST.
What sector is UPST in?
UPSTART HLDGS INC is classified in the Financial Services GICS sector.
Where does this UPST ownership data come from?
SEC Form 13F-HR filings, accessed via EDGAR. 13F filings are disclosed quarterly with a 45-day reporting delay and cover U.S.-listed long equity positions only. This is not investment advice.