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Upstart Holdings stock timeline

A year of the price with every insider trade, planned sale, earnings report and material 8-K marked

252 sessions−42.0% to $21.89

Upstart Holdings (UPST) stock fell 42% over the last 252 sessions, to $21.89. On the way it reported 4 quarters, its insiders filed 19 open-market trades and 8 Form 144 notices of planned sales, and the company filed 3 material 8-Ks. Each is marked on the price and listed with what the stock did next.

UPST: a year of the stock with every disclosure on itUPST: a year of the stock with every disclosure on it$27.49$36.02$44.54$53.07●2026-02-10 · Earnings: beat the EPS estimate by 7.6%◆2026-02-10 · Directors and officers: departures, appointments, pay▼2026-02-20 · Datta Sanjay sold $238K▼2026-02-20 · Mirgorodskaya Natalia sold $19K●2026-05-05 · Earnings: missed the EPS estimate by -29.0%▲2026-05-07 · Girouard Dave bought $5.0M▲2026-05-13 · Gu Paul bought $1.4M▼2026-05-15 · Blankmeyer Andrea sold $209K▼2026-05-15 · Darling Scott sold $21K▼2026-05-15 · Datta Sanjay sold $54K◆2026-05-19 · Directors and officers: departures, appointments, pay▼2026-05-20 · Darling Scott sold $191K▼2026-05-20 · Datta Sanjay sold $230K▼2026-05-20 · Mirgorodskaya Natalia sold $15K▼2026-06-09 · Datta Sanjay sold $456K●2026-08-04 · Earnings: beat the EPS estimate by 2.7%▼2026-08-17 · Darling Scott sold $24K▼2026-08-17 · Datta Sanjay sold $60K▽2026-08-17 · Form 144: Sanjay Datta plans to sell $60K▽2026-08-17 · Form 144: Andrea Blankmeyer plans to sell $211K▼2026-08-19 · Datta Sanjay sold $315K▽2026-08-19 · Form 144: Sanjay Datta plans to sell $315K▽2026-08-19 · Form 144: Andrea Blankmeyer plans to sell $88K▼2026-08-20 · Darling Scott sold $216K▼2026-08-20 · Datta Sanjay sold $251K▼2026-08-20 · Mirgorodskaya Natalia sold $16K▽2026-08-20 · Form 144: Scott Darling plans to sell $216K▽2026-08-20 · Form 144: Sanjay Datta plans to sell $251K▽2026-08-25 · Form 144: Natalia Mirgorodskaya plans to sell $27K▼2026-09-08 · Datta Sanjay sold $3.2M▽2026-09-08 · Form 144: Sanjay Datta plans to sell $3.2M▲2026-09-10 · Gu Paul bought $1.3M◆2026-10-20 · Material definitive agreement●2026-11-03 · Earnings: beat the EPS estimate by 0.4%●Earnings report◆8-K event▼Insider sale▲Insider buy▽Planned sale (Form 144)2025-11-062026-11-06
Daily closes, Nov 6, 2025 to Nov 6, 2026; hover a mark for the filing.

Each mark, and what followed

DateKindWhatNext session5 sessions21 sessions
Nov 3, 2026EarningsEarnings: beat the EPS estimate by 0.4%+0.3% (0.0% vs SPY)——
Oct 20, 20268-KMaterial definitive agreement0.0% (−0.5% vs SPY)+0.3% (+0.2% vs SPY)—
Sep 10, 2026Insider buyGu Paul bought $1.3M−3.1% (−2.5% vs SPY)−4.1% (−3.0% vs SPY)−6.8% (−8.6% vs SPY)
Sep 8, 2026Form 144Form 144: Sanjay Datta plans to sell $3.2M−3.9% (−3.3% vs SPY)−7.2% (−6.0% vs SPY)−16.2% (−17.6% vs SPY)
Sep 8, 2026Insider saleDatta Sanjay sold $3.2M−3.9% (−3.3% vs SPY)−7.2% (−6.0% vs SPY)−16.2% (−17.6% vs SPY)
Aug 25, 2026Form 144Form 144: Natalia Mirgorodskaya plans to sell $27K+2.3% (+2.0% vs SPY)−4.1% (−4.6% vs SPY)−20.1% (−20.9% vs SPY)
Aug 20, 2026Form 144Form 144: Sanjay Datta plans to sell $251K−5.9% (−5.0% vs SPY)−0.4% (0.0% vs SPY)−20.2% (−19.5% vs SPY)
Aug 20, 2026Form 144Form 144: Scott Darling plans to sell $216K−5.9% (−5.0% vs SPY)−0.4% (0.0% vs SPY)−20.2% (−19.5% vs SPY)
Aug 20, 2026Insider saleMirgorodskaya Natalia sold $16K−5.9% (−5.0% vs SPY)−0.4% (0.0% vs SPY)−20.2% (−19.5% vs SPY)
Aug 20, 2026Insider saleDatta Sanjay sold $251K−5.9% (−5.0% vs SPY)−0.4% (0.0% vs SPY)−20.2% (−19.5% vs SPY)
Aug 20, 2026Insider saleDarling Scott sold $216K−5.9% (−5.0% vs SPY)−0.4% (0.0% vs SPY)−20.2% (−19.5% vs SPY)
Aug 19, 2026Form 144Form 144: Andrea Blankmeyer plans to sell $88K+5.0% (+4.8% vs SPY)+4.9% (+5.1% vs SPY)−16.2% (−15.5% vs SPY)
Aug 19, 2026Form 144Form 144: Sanjay Datta plans to sell $315K+5.0% (+4.8% vs SPY)+4.9% (+5.1% vs SPY)−16.2% (−15.5% vs SPY)
Aug 19, 2026Insider saleDatta Sanjay sold $315K+5.0% (+4.8% vs SPY)+4.9% (+5.1% vs SPY)−16.2% (−15.5% vs SPY)
Aug 17, 2026Form 144Form 144: Andrea Blankmeyer plans to sell $211K−2.3% (−1.8% vs SPY)−0.4% (+1.0% vs SPY)−18.5% (−16.1% vs SPY)
Aug 17, 2026Form 144Form 144: Sanjay Datta plans to sell $60K−2.3% (−1.8% vs SPY)−0.4% (+1.0% vs SPY)−18.5% (−16.1% vs SPY)
Aug 17, 2026Insider saleDatta Sanjay sold $60K−2.3% (−1.8% vs SPY)−0.4% (+1.0% vs SPY)−18.5% (−16.1% vs SPY)
Aug 17, 2026Insider saleDarling Scott sold $24K−2.3% (−1.8% vs SPY)−0.4% (+1.0% vs SPY)−18.5% (−16.1% vs SPY)
Aug 4, 2026EarningsEarnings: beat the EPS estimate by 2.7%+3.0% (+1.2% vs SPY)+2.6% (+0.6% vs SPY)−7.2% (−7.7% vs SPY)
Jun 9, 2026Insider saleDatta Sanjay sold $456K+0.2% (+0.5% vs SPY)+4.3% (+2.2% vs SPY)+7.0% (+5.1% vs SPY)
May 20, 2026Insider saleMirgorodskaya Natalia sold $15K+2.7% (+1.6% vs SPY)+9.0% (+6.7% vs SPY)+14.4% (+12.4% vs SPY)
May 20, 2026Insider saleDatta Sanjay sold $230K+2.7% (+1.6% vs SPY)+9.0% (+6.7% vs SPY)+14.4% (+12.4% vs SPY)
May 20, 2026Insider saleDarling Scott sold $191K+2.7% (+1.6% vs SPY)+9.0% (+6.7% vs SPY)+14.4% (+12.4% vs SPY)
May 19, 20268-KDirectors and officers: departures, appointments, pay+0.5% (+1.2% vs SPY)+9.2% (+7.5% vs SPY)+8.6% (+8.3% vs SPY)
May 15, 2026Insider saleDatta Sanjay sold $54K−0.7% (+0.5% vs SPY)−2.9% (−2.2% vs SPY)+8.5% (+7.6% vs SPY)
May 15, 2026Insider saleDarling Scott sold $21K−0.7% (+0.5% vs SPY)−2.9% (−2.2% vs SPY)+8.5% (+7.6% vs SPY)
May 15, 2026Insider saleBlankmeyer Andrea sold $209K−0.7% (+0.5% vs SPY)−2.9% (−2.2% vs SPY)+8.5% (+7.6% vs SPY)
May 13, 2026Insider buyGu Paul bought $1.4M−3.1% (−3.7% vs SPY)+0.9% (+1.5% vs SPY)+13.3% (+13.3% vs SPY)
May 7, 2026Insider buyGirouard Dave bought $5.0M+1.0% (+1.3% vs SPY)−6.1% (−7.3% vs SPY)+3.5% (+3.0% vs SPY)
May 5, 2026EarningsEarnings: missed the EPS estimate by -29.0%−2.9% (−3.7% vs SPY)−11.2% (−14.1% vs SPY)−5.8% (−10.7% vs SPY)
Feb 20, 2026Insider saleMirgorodskaya Natalia sold $19K−4.5% (−5.3% vs SPY)−3.3% (−3.9% vs SPY)−16.6% (−11.4% vs SPY)
Feb 20, 2026Insider saleDatta Sanjay sold $238K−4.5% (−5.3% vs SPY)−3.3% (−3.9% vs SPY)−16.6% (−11.4% vs SPY)
Feb 10, 20268-KDirectors and officers: departures, appointments, pay−16.3% (−16.3% vs SPY)−21.2% (−20.3% vs SPY)−41.4% (−37.5% vs SPY)
Feb 10, 2026EarningsEarnings: beat the EPS estimate by 7.6%+0.3% (+0.5% vs SPY)−19.5% (−17.9% vs SPY)−34.7% (−32.1% vs SPY)

Insiders’ record here

In the year on the chart, Upstart Holdings' insiders reported 3 open-market buys ($7.7M) and 16 sales ($5.5M). Of the 11 old enough to score, 11 were followed by the stock doing what the trade implied over the next 63 sessions (beating SPY after a buy, lagging it after a sale); the median excess return after a buy was +10.0% and after a sale −3.7%.

Across the whole universe (19,782 scored trades), insider buys beat the market 46% of the time and sales were followed by a lagging stock 61% of the time; buys of $1M or more 39%. Every pattern →

What this kind of 8-K usually did

Item8-KsNext session, medianUp next session21 sessions, medianTypical size
5.02 Directors and officers: departures, appointments, pay39,174−0.1%48%+0.7%±1.4%
1.01 Material definitive agreement23,5250.0%51%+1.0%±1.4%
2.03 New debt or off-balance-sheet obligation13,2680.0%50%+1.2%±1.3%

Across every company in the move-odds universe, measured from the close before the filing. Every 8-K item ranked →

Report card: every quarter against the estimate → Upstart Holdings: every quarter → Live insider trades →

Prices are daily closes; filings and trades are as filed with the SEC (Form 4 within two business days of the trade, 8-K within four of the event). Moves after a mark are the stock's close-to-close change and the same for SPY; they describe the record, not what the next one will do. Not investment advice.