NASDAQ:UPST · NASDAQ Global Select
+$1.43 today
Vol 2.86M · Avg 4.74M
Management
Put operating results in leadership context
Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.
Management quality matters because capital allocation choices determine how much of Upstart Holdings, Inc. earnings power becomes long-term shareholder value. Use this page to compare UPST returns on capital, executive context, insider transactions, ownership signals, and growth trends against peers, then decide whether leadership appears disciplined, aligned, and capable of compounding through changing market conditions.
Return Metrics
ROE, ROIC & ROA over time
ROE
6.7%
avg -6.8%
ROIC
2.0%
avg -1.8%
ROA
1.8%
avg -1.6%
Analysis
ROE is currently the strongest return metric at 6.7% versus its period average of -6.8%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
Andrea Blankmeyer | Chief Financial Officer | $1.20M | — | — | $166,668.00 | 0.17% |
David J. Girouard | Executive Chairman & Special Advisor | $1.07M | — | 60 | $0.00 | <0.01% |
Paul Gu | CEO & Director | $894,920.00 | — | 35 | $70,000.00 | 0.07% |
Sanjay Datta | President of Capital & Enterprise | $872,483.00 | — | — | $313,556.00 | 0.33% |
Scott Darling | Chief Legal Officer & Corporate Secretary | $767,502.00 | — | 54 | $88,728.00 | 0.09% |
Grant Schneider | Chief Technology Officer | — | — | — | — | — |
Annie Delgado | Chief Compliance Officer & Chief Risk Officer | — | — | — | — | — |
Becca Kidder | Chief People Officer | — | — | — | — | — |
Natalia Mirgorodskaya | Chief Accounting Officer | — | — | — | $37,374.00 | 0.04% |
Chantal Rapport | Chief Marketing Officer | — | — | — | — | — |
Sonya Banerjee | Head of Investor Relations | — | — | — | — | — |
Insider Trading
SEC Form 4 transactions — last 12 months
Buys
5
$10.30M
Sells
53
$14.62M
Net Sentiment
$4.33M
Net selling
Most Active
Darling Scott
19 transactions
1–10 of 58
Analysis
Insiders reported 5 buys worth $10.30M and 53 sells worth $14.62M over the last 12 months. That adds up to net selling of $4.33M. Darling Scott was the most active insider with 19 transactions.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | N/A | +17.3% (8yr)2 analysts |
| Revenue | N/A | N/A | +107.2% | +19.1% (8yr)5 analysts |
| Net Income | N/A | N/A | N/A | +19.1% (8yr)5 analysts |
| EBIT | N/A | N/A | N/A | N/A5 analysts |
Analysis
Recent growth has been strongest in Revenue at +107.2% over three years. Forward estimates point to Net Income at +19.1% (8yr), giving you a quick check on whether expectations are accelerating or cooling.
Competitors
Peer companies in the same sector
StoneX Group Inc.
NASDAQ:SNEX
$9.55B
Credit Acceptance Corporation
NASDAQ:CACC
$6.87B
Axos Financial, Inc.
NYSE:AX
$5.57B
Lemonade, Inc.
NYSE:LMND
$5.49B
BGC Group, Inc
NASDAQ:BGC
$5.24B
Moelis & Company
NYSE:MC
$5.10B
Radian Group Inc.
NYSE:RDN
$5.05B
Navient Corporation SR NT 6% 121543
NASDAQ:JSM
$4.94B
Nelnet, Inc.
NYSE:NNI
$4.86B
Lazard Inc
NYSE:LAZ
$4.09B
Who manages UPST?
Upstart Holdings, Inc. (UPST) lists 11 active executives. The top listed executive is Grant Schneider, Chief Technology Officer.
Are UPST insiders buying or selling?
Recent insider activity shows net buying of $10.70M.
Explore More
Continue the stock analysis
Jump to another research area for this company.