Upstart Holdings, Inc.
Financial ServicesNASDAQ:UPST · NASDAQ Global Select
-$1.29 today
Vol 4.76M · Avg 4.73M
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.
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 | $9.35M | 9.77% |
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
59
$18.78M
Net Sentiment
$8.48M
Net selling
Most Active
Darling Scott
22 transactions
1–10 of 64
Analysis
Insiders reported 5 buys worth $10.30M and 59 sells worth $18.78M over the last 12 months. That adds up to net selling of $8.48M. Darling Scott was the most active insider with 22 transactions.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | N/A | +20.6% (8yr)2 analysts |
| Revenue | N/A | N/A | +107.2% | +19.1% (8yr)5 analysts |
| Net Income | N/A | N/A | N/A | +22.5% (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 +22.5% (8yr), giving you a quick check on whether expectations are accelerating or cooling.
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Who manages UPST?
Upstart Holdings, Inc. (UPST) lists 11 active executives. The top listed executive is Scott Darling, Chief Legal Officer & Corporate Secretary.
Are UPST insiders buying or selling?
Recent insider activity shows net buying of $10.70M.
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