Supply breakdown
Shares as of Jul 28, 2026| Category | Shares | % | Value | Status |
|---|---|---|---|---|
| Circulating | 97.31M | 100.0% | $3.45B | Estimated |
| Free float | - | - | - | Unavailable |
| Insider-held, unrestricted | - | - | - | Unavailable |
| Locked team funds | - | - | - | Unavailable |
| Other restricted (unlisted classes only) | - | - | - | Unavailable |
| Total outstanding | 97.31M | 100.0% | $3.45B | Verified |
| Ownership views (overlap the categories above, never added) | ||||
| Institutional holdings (13F) | 58.38M | 60.0% | $2.07B | Estimated |
| Insider-held, all (Forms 3, 4, 5) | - | - | - | Unavailable |
Institutional and insider holdings can include both tradable and locked shares, so they are shown for reference and never added to the total. Check: no class has more shares deducted than it has outstanding, and the review found no shares that may be counted twice: reconciles.
Valuation
- Traditional$3.45B
- Fully diluted$3.91B
- Circulating$3.45B
- Free float-
- Locked team value$0
- Other restricted value$0
Locked and restricted shares
Not reviewed yet.
Institutional holders
13F, quarter ended Jun 30, 2026| Holder | Shares | % of total |
|---|---|---|
| BlackRock, Inc. | 7.88M | 8.10% |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 3.74M | 3.84% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.70M | 3.80% |
| MORGAN STANLEY | 2.41M | 2.48% |
| GOLDMAN SACHS GROUP INC | 2.40M | 2.46% |
| MARSHALL WACE, LLP | 2.37M | 2.44% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.23M | 2.29% |
| STATE STREET CORP | 2.12M | 2.18% |
| Clear Street Group Inc. | 1.83M | 1.88% |
| Halter Ferguson Financial Inc. | 1.75M | 1.80% |
Sum of long share positions in Form 13F reports for the quarter. 13F covers managers with over $100M in US equities; some positions are reported by more than one filer.
Insiders
Forms 3, 4 and 5Form 4 aggregation pending
Share classes
| Class | Listing | Shares outstanding | As of |
|---|---|---|---|
| Common stock | UPST on Nasdaq | 97,313,046 | Jul 28, 2026 |
Notes and sources
- Upstart Holdings, Inc. 10-Q for period ended 2026-06-30, Cover page (0001647639-26-000063)
- SEC public float (non-affiliates): $5.44B as of Jun 30, 2025, from the 10-K cover. It is a dollar value at a past date, not circulating supply.