Equity · Financial services
Upstart Holdings, Inc. (UPST) perpetual futures
UPST perpetual futures on 1 crypto exchange – live perp price vs the stock, funding rate, open interest and where to trade UPSTUSDT.
Upstart Holdings operates a cloud-based AI lending platform in the United States through its Personal Lending, Auto Lending, and Other segments.
Price chart
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Trading data
Perpetual market activity
1/1 live markets
Trading data
Perpetual market activity
Spot performance
Venue matrix
1 markets
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| Trade | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
 Helix (Injective) | Trade | UPST/USDC | Trading | $19.66 | +3.6% APR +0.00042% every 1h | - | $0 | - | - | USDC | 12x |
Tradability
Execution quality
Entry cost and depth per venue at $1k–$100k
Tradability
Execution quality
Entry cost and depth per venue at $1k–$100kNo sufficient depth · 0 of 1 venues absorb $10k
No fresh book data: Helix (Injective)
Taker execution estimate incl. approx. fees - maker fills are not guaranteed.
Best venues for this underlying
Best liquidity
UPSTTightest spread
-Highest volume
-Funding history
Stored venue snapshots by market
Funding history
Stored venue snapshots by marketNext catalyst
Catalysts
Next catalyst
Catalysts
No unusual perp activity right now.
Research data
Analysts, filings and peer context
Research data
Analysts, filings and peer context
Estimates
6Company events
6Peer comparison
Similar listed perpsRevenue mix
Latest annualAnalysts
Price targets in USD| Consensus rating | Buy |
|---|---|
| Average 12-month price target | $34.22 |
| 12-month target range (low – high) | $18 – $51 |
| Ratings in the provider's consensus | 22 |
Price targets as of 2026-11-15
Analyst rating history
Ratings| Month | Strong buy | Buy | Hold | Sell | Strong sell |
|---|---|---|---|---|---|
| Nov 2026 | 2 | 6 | 7 | 0 | 1 |
| Oct 2026 | 2 | 6 | 7 | 0 | 1 |
| Sep 2026 | 2 | 6 | 7 | 0 | 1 |
| Aug 2026 | 2 | 6 | 6 | 0 | 1 |
| Jul 2026 | 2 | 6 | 6 | 0 | 1 |
| Jun 2026 | 2 | 6 | 6 | 0 | 1 |
| May 2026 | 2 | 6 | 6 | 0 | 1 |
| Apr 2026 | 2 | 6 | 6 | 0 | 1 |
| Mar 2026 | 3 | 6 | 7 | 0 | 1 |
| Feb 2026 | 3 | 5 | 7 | 2 | 1 |
| Jan 2026 | 3 | 5 | 6 | 2 | 0 |
| Dec 2025 | 3 | 4 | 6 | 2 | 0 |
Ownership
Institutional · 2026-Q3Reference market activity
UPST-PERPPrice performance
11Insider activity
FY2026 Q4Insider transactions
25CEO Gu Paul reported an open-market purchase (P) of 50,000 Upstart common shares at $20.568 on 2026-11-11, holding 180,000 shares afterward.
Officer Natalia Mirgorodskaya exercised 3,650 employee stock options at $2.15 per share, converting them into 3,650 common shares and leaving 39,525 common shares held.
Upstart CEO Gu Paul bought 50,000 common shares on the open market at $25.55 per share on 2026-09-10, bringing his holdings to 130,000 shares.
Upstart officer Datta Sanjay exercised 300,000 options at $1.35 and sold 116,000 common shares at $27.2948 on Sept 8, 2026, leaving 476,578 shares owned.
Officer Natalia Mirgorodskaya sold 913 Upstart (UPST) common shares at $30.03 each on Aug 25, 2026, leaving 35,875 shares owned.
Upstart officer Datta Sanjay sold 18,945 common shares in two open-market sales on Aug 19–20, 2026 at $28.0937–$31.4633, leaving 292,578 shares owned.
Upstart officer Scott Darling sold 7,696 common shares at $28.09 on Aug 20, 2026, leaving 73,306 shares owned.
Officer Natalia Mirgorodskaya sold 586 common shares of Upstart at $28.0899 under code S, leaving 36,788 shares owned.
Upstart officer Datta Sanjay sold 2,033 shares of Common Stock at $29.3571 on 2026-08-17, leaving 311,523 shares held.
Upstart Holdings officer Scott Darling sold 814 common shares under code S-Sale at $29.36 per share on 2026-08-17, leaving 87,186 shares owned after the transaction.
Upstart CFO Andrea Blankmeyer sold 10,175 common shares in two open-market sales on Aug 17-19, 2026 at $29.33-$29.3583, leaving 152,208 shares owned.
Upstart officer Datta Sanjay sold 15,000 shares of Common Stock at $30.4077 per share, leaving 313,556 shares owned afterward.
Upstart director Timothy H. Wennes received a grant of 6,476 common shares (A-Award) on 2026-05-29, leaving him with 6,476 shares owned.
Director Terry Hilliard C. III received a grant (A-Award) of 6,476 shares of Upstart common stock at $0.00 on 2026-05-29, bringing holdings to 37,432 shares.
Director Mary Hentges received a grant of 6,476 common shares of Upstart Holdings at $0.00 under code A-Award on 2026-05-29, leaving her with 37,149 shares owned after the transaction.
Director Bernard Peter J received an award of 6,476 shares of Upstart Holdings common stock on 2026-05-29, a grant at $0.00, leaving 11,392 shares owned.
Director Kerry Whorton Cooper was granted 6,476 shares of Upstart common stock on 2026-05-29 at $0.00 per share, raising her holdings to 6,476 shares. This is a compensation award, not an open-market purchase.
Upstart director O'Kelly Ciaran received a grant (A-Award) of 6,476 common shares on 2026-05-29 at $0.00, bringing him to 39,484 shares owned.
Upstart Holdings director Timothy H. Wennes filed an initial Form 3 on 2026-06-02, reporting no shares acquired or held in the reported transaction dated 2026-05-28.
Officer Natalia Mirgorodskaya sold 974 shares of Upstart common stock at $28.99 per share on May 26, 2026, leaving 37,374 shares owned.
Filings
30 · Latest SEC filingsCEO Gu Paul reported an open-market purchase (P) of 50,000 Upstart common shares at $20.568 on 2026-11-11, holding 180,000 shares afterward.
Officer Natalia Mirgorodskaya exercised 3,650 employee stock options at $2.15 per share, converting them into 3,650 common shares and leaving 39,525 common shares held.
Upstart CEO Gu Paul bought 50,000 common shares on the open market at $25.55 per share on 2026-09-10, bringing his holdings to 130,000 shares.
Upstart officer Datta Sanjay exercised 300,000 options at $1.35 and sold 116,000 common shares at $27.2948 on Sept 8, 2026, leaving 476,578 shares owned.
Officer Natalia Mirgorodskaya sold 913 Upstart (UPST) common shares at $30.03 each on Aug 25, 2026, leaving 35,875 shares owned.
Upstart officer Datta Sanjay sold 18,945 common shares in two open-market sales on Aug 19–20, 2026 at $28.0937–$31.4633, leaving 292,578 shares owned.
Upstart officer Scott Darling sold 7,696 common shares at $28.09 on Aug 20, 2026, leaving 73,306 shares owned.
Officer Natalia Mirgorodskaya sold 586 common shares of Upstart at $28.0899 under code S, leaving 36,788 shares owned.
Upstart officer Datta Sanjay sold 2,033 shares of Common Stock at $29.3571 on 2026-08-17, leaving 311,523 shares held.
Upstart Holdings officer Scott Darling sold 814 common shares under code S-Sale at $29.36 per share on 2026-08-17, leaving 87,186 shares owned after the transaction.
Upstart CFO Andrea Blankmeyer sold 10,175 common shares in two open-market sales on Aug 17-19, 2026 at $29.33-$29.3583, leaving 152,208 shares owned.
Upstart officer Datta Sanjay sold 15,000 shares of Common Stock at $30.4077 per share, leaving 313,556 shares owned afterward.
Upstart director Timothy H. Wennes received a grant of 6,476 common shares (A-Award) on 2026-05-29, leaving him with 6,476 shares owned.
Director Terry Hilliard C. III received a grant (A-Award) of 6,476 shares of Upstart common stock at $0.00 on 2026-05-29, bringing holdings to 37,432 shares.
Director Mary Hentges received a grant of 6,476 common shares of Upstart Holdings at $0.00 under code A-Award on 2026-05-29, leaving her with 37,149 shares owned after the transaction.
Director Bernard Peter J received an award of 6,476 shares of Upstart Holdings common stock on 2026-05-29, a grant at $0.00, leaving 11,392 shares owned.
Director Kerry Whorton Cooper was granted 6,476 shares of Upstart common stock on 2026-05-29 at $0.00 per share, raising her holdings to 6,476 shares. This is a compensation award, not an open-market purchase.
Upstart director O'Kelly Ciaran received a grant (A-Award) of 6,476 common shares on 2026-05-29 at $0.00, bringing him to 39,484 shares owned.
Upstart Holdings director Timothy H. Wennes filed an initial Form 3 on 2026-06-02, reporting no shares acquired or held in the reported transaction dated 2026-05-28.
Officer Natalia Mirgorodskaya sold 974 shares of Upstart common stock at $28.99 per share on May 26, 2026, leaving 37,374 shares owned.
Upstart officer Darling Scott (Chief Legal Officer) sold 6,634 common shares at $28.7778 on May 20, 2026, leaving 88,728 shares owned.
Transcripts
PendingCompany news
Reuters, WSJ, Bloomberg and FT first, as far as our news provider delivers them; other publishers behind the second filter. Headlines link to the publisher.No articles from Reuters, WSJ, Bloomberg or FT for this company in our feed.
Company data
Company intelligence
Updated: Nov 15, 2026, 02:11 PM UTC
Company data
Company intelligence
Company profile
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Chief executive
- Paul Gu
- Employees
- 1,405
- IPO date
- Dec 16, 2020
- Country
- US
- Exchange
- NASDAQ
Rating factors
- Return on equityi
- 2/5
- Return on assetsi
- 4/5
- Debt to equityi
- 1/5
- Price to earningsi
- 1/5
- Price to booki
- 1/5
Company press releases
Congressional disclosures
Market cap history
Largest fund holders
| Fund | Weight | Shares held |
|---|---|---|
| VTI | 0% | 2.6M |
| IWM | 0.06% | 2.3M |
| NJM | 0.08% | 2M |
| VB | 0.02% | 1.9M |
| FSSNX | 0.08% | 1.4M |
| FESM | 0.28% | 989.9K |
| VBK | 0.05% | 981.9K |
| VXF | 0.02% | 947.2K |
| IWO | 0.11% | 826.7K |
| NLO | 0.15% | 708.4K |
| BDSAX | 0.26% | 607.7K |
| DFAS | 0.03% | 545.8K |
Analyst track record
How the analysts covering UPST have done: ratings, price-target accuracy and the measured reaction after their calls.
| 12 months | 3 years | |
|---|---|---|
| Ratings | 82 | 239 |
| Analysts | 21 | 27 |
| Buy / hold / sell | 46 / 34 / 2 | 82 / 107 / 50 |
| Upgrades / downgrades / initiations | 3 / 1 / 2 | 18 / 2 / 7 |
| Price targets hit / missed | 1 / 71 (1%) | 21 / 180 (10%) |
| Avg. return after a rating (TipRanks) | -48.0% | -38.8% |
| Best / worst call | +8.7% / -76.7% | +117.3% / -82.2% |
After buy calls on this stock: not enough measured cases yet
Latest ratings
| Date | Analyst | Call | Target | |
|---|---|---|---|---|
| Nov 11, 2026 | Peter ChristiansenCitiNov 11, 2026 | BuyMaintained | $46.00 | |
| Nov 4, 2026 | Peter ChristiansenCitiNov 4, 2026 | BuyMaintained | $46.00↗ | article ↗ |
| Nov 4, 2026 | Arvind RamnaniTruist FinancialNov 4, 2026 | BuyMaintained | $30.00↗ | article ↗ |
| Nov 4, 2026 | Hal GoetschB. Riley SecuritiesNov 4, 2026 | BuyMaintained | $42.00↗ | article ↗ |
| Nov 4, 2026 | Kyle JosephStephensNov 4, 2026 | HoldMaintained | $24.00↗ | article ↗ |
Share of analysts per call each month (latest call per analyst within 180 days). Targets and closes in USD.
TipRanks data · computed Nov 14, 2026 · 82 ratings
Frequently asked questions
Where can I trade UPST perpetual futures?
Upstart Holdings, Inc. (UPST) perpetual futures trade on one crypto venue: Helix (Injective). PerpEquities shows its live price, funding rate, open interest and liquidity.
Can I trade UPST around the clock?
Yes. Unlike the underlying stock, UPST perpetuals trade 24/7 — including weekends and outside regular market hours.
What is the funding rate on UPST perpetuals?
Right now the UPST perp funding rate is +3.6% annualized (one venue). A positive rate means longs pay shorts. PerpEquities shows the live rate and its history.
How does the UPST perp price compare to the Upstart Holdings, Inc. stock?
The venue-median UPST perp mark is $19.7 versus a reference stock price of $19.7, a basis of 0.0%. Perps follow the stock through an index price; the gap widens when funding or liquidity diverge between venues.
What is a UPST perpetual future?
A UPST perpetual is a derivative that tracks the price of Upstart Holdings, Inc. with no expiry date. It lets you take long or short exposure to Upstart Holdings, Inc. on crypto venues, around the clock.
What is UPSTUSDT perpetual?
UPSTUSDT is the symbol most crypto exchanges use for the Upstart Holdings, Inc. perpetual settled in USDT (Tether). It tracks the UPST share price through an index, trades 24/7 with leverage and never expires.
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