Natalia Mirgorodskaya Sells 974 Shares of Upstart (NASDAQ:UPST) Stock

Upstart Holdings, Inc. (NASDAQ:UPST) insider Natalia Mirgorodskaya sold 974 shares of the stock in a transaction dated Tuesday, May 26th. The stock was sold at an average price of $28.99, for a total transaction of $28,236.26. Following the sale, the insider owned 37,374 shares in the company, valued at $1,083,472.26. The trade was a 2.54% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which is accessible through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan.

Natalia Mirgorodskaya also recently made the following trade(s):

• On Wednesday, May 20th, Natalia Mirgorodskaya sold 526 shares of Upstart stock. The stock was sold at an average price of $28.77, for a total transaction of $15,133.02.

Upstart Stock Up 6.4%

Shares of Upstart stock opened at $32.69 on Friday. The company has a market capitalization of $3.13 billion, a price-to-earnings ratio of 86.03, a PEG ratio of 0.82 and a beta of 2.26. Upstart Holdings, Inc. has a 12-month low of $23.97 and a 12-month high of $87.30. The firm’s 50-day moving average price is $29.04 and its two-hundred day moving average price is $36.09.

Upstart (NASDAQ:UPST) last posted its earnings results on Tuesday, May 5th. The company reported ($0.07) EPS for the quarter, missing analysts’ consensus estimates of $0.39 by ($0.46). The company had revenue of $308.21 million during the quarter, compared to the consensus estimate of $301.30 million. Upstart had a return on equity of 5.63% and a net margin of 4.34%.The firm’s revenue was up 44.3% compared to the same quarter last year. During the same period last year, the company posted $0.30 EPS. On average, sell-side analysts expect that Upstart Holdings, Inc. will post 0.92 earnings per share for the current year.

Upstart declared that its board has approved a share repurchase program on Thursday, February 19th that authorizes the company to repurchase $100.00 million in shares. This repurchase authorization authorizes the company to reacquire up to 3.2% of its shares through open market purchases. Shares repurchase programs are usually a sign that the company’s management believes its shares are undervalued.

Key Upstart News

Here are the key news stories impacting Upstart this week:

• Positive Sentiment: Upstart published its April 2026 UMI, which suggests the company is continuing to share operating and market data that investors may use to gauge lending activity and model performance. Upstart Publishes April 2026 UMI
• Positive Sentiment: Analysts have recently highlighted Upstart’s expanding credit union partnerships, including Community Choice CU, which could support loan funding capacity and future growth. Credit union partnerships article
• Neutral Sentiment: Upstart shareholders approved directors and governance matters at the annual meeting, removing a routine corporate uncertainty but not changing the company’s operating outlook. Shareholder approval article
• Neutral Sentiment: The stock is also drawing interest from investors and media coverage, which can add volume but does not by itself change fundamentals. Investor attention article
• Negative Sentiment: Multiple law firms are reminding investors about the June 8 deadline to join or lead a securities class action against Upstart, keeping allegations of misleading disclosures and revenue-related issues in focus. That legal risk is likely weighing on sentiment. Class action deadline article
• Negative Sentiment: An insider sale by Natalia Mirgorodskaya was disclosed, which can add mild pressure even though it was made under a pre-arranged trading plan. Insider sale article

Institutional Inflows and Outflows

A number of large investors have recently added to or reduced their stakes in UPST. Clearstead Advisors LLC bought a new position in Upstart in the 3rd quarter valued at approximately $25,000. Bayforest Capital Ltd bought a new position in Upstart during the 4th quarter worth approximately $25,000. Quarry LP raised its holdings in Upstart by 749.2% during the 3rd quarter. Quarry LP now owns 501 shares of the company’s stock worth $25,000 after purchasing an additional 442 shares during the last quarter. Northwestern Mutual Wealth Management Co. raised its holdings in Upstart by 132.2% during the 3rd quarter. Northwestern Mutual Wealth Management Co. now owns 771 shares of the company’s stock worth $39,000 after purchasing an additional 439 shares during the last quarter. Finally, Empowered Funds LLC bought a new stake in shares of Upstart in the 4th quarter valued at $40,000. Institutional investors own 63.01% of the company’s stock.

Analysts Set New Price Targets

A number of research firms have recently commented on UPST. Weiss Ratings cut shares of Upstart from a “sell (d+)” rating to a “sell (d)” rating in a report on Wednesday, May 6th. Morgan Stanley set a $35.00 target price on shares of Upstart in a report on Thursday, May 7th. B. Riley Financial dropped their target price on shares of Upstart from $66.00 to $54.00 and set a “buy” rating for the company in a report on Wednesday, May 6th. Citigroup lowered shares of Upstart from a “buy” rating to a “strong sell” rating in a report on Friday, February 13th. Finally, Zacks Research upgraded shares of Upstart from a “strong sell” rating to a “hold” rating in a report on Monday, April 13th. Seven analysts have rated the stock with a Buy rating, six have given a Hold rating and three have assigned a Sell rating to the company’s stock. Based on data from MarketBeat.com, the company presently has a consensus rating of “Hold” and a consensus price target of $45.79.

Upstart Company Profile

Upstart Holdings, Inc operates a cloud-based lending marketplace that leverages artificial intelligence and machine learning to assess borrower creditworthiness. The company partners with banks and credit unions, providing its proprietary AI models and underwriting platform to facilitate consumer credit products. By focusing on non?traditional data points—such as education, employment history and other real?time indicators—Upstart seeks to improve approval rates and lower loss rates compared with conventional credit scoring methods.

Upstart’s core offering centers on unsecured personal loans, which borrowers can use for purposes such as debt consolidation, home improvements or major purchases.