UPST

Upstart Holdings, Inc.

Sector: financeFinancial - Credit ServicesNASDAQMarket Cap: $2.87B

Upstart Holdings operates an AI-driven lending platform, with its strongest political signal being a single director's $7.1M in concentrated insider purchases over 180 days.

Govt Dependence

5/100

Regulatory Density

85/100

Lobbying Intensity

0/100

Political Signal

BULLISH

BusinessWhat UPST does

Upstart Holdings provides a cloud-based AI lending platform that aggregates consumer loan demand and connects it to its network of bank partners. Its revenue is derived from fees for loan referral, servicing, and transaction services. The company's model is heavily dependent on credit market conditions and consumer lending regulations.

11 months past · 3 months futureUPST activity timeline

Congress

buy sell

Insider · Form 4

open-market buy

Hedge fund · 13F

opened + added − trimmed closed holds

Bills

past action (this ticker) upcoming markup (sector) ★ carveout (this ticker)

211 trading days · 0 congressional trades shown · 0 insider buys · 0 13F filings · 1 past bill actions · 4 upcoming markups

Lifetime Government AwardsUPST federal contracts

UPST doesn't hold direct federal contracts.

Verified via USASpending.gov: $0 reported in direct prime-contract awards. Companies in this position typically sell federal services indirectly through prime contractors and integrators (e.g., Lockheed Martin, Booz Allen, Microsoft Azure) or through commercial channels that don't appear in USASpending data.

Congressional TradesWho in Congress is trading UPST

2022-05-16 Thomas R. Suozzi D-New York · house Sale $1,001 - $15,000

2022-05-05 Thomas R. Suozzi D-New York · house Purchase $15,001 - $50,000

2022-05-16 Thomas R. Suozzi D-New York · house sale $1,001 - $15,000

2022-05-05 Thomas R. Suozzi D-New York · house purchase $15,001 - $50,000

4+ trades on file · most recent 2022-05-20

Corporate Insiders · Form 4What CEOs, CFOs, and directors are doing with their own stock

Stock awards & option exercises

stock awards · $7.0M market value

option exercises · $345K

2026-03-31 Blankmeyer Andrea Chief Financial Officer AWARD 169,427 sh $4.3M

2026-02-28 Datta Sanjay See Remarks AWARD 61,670 sh $1.7M

2026-02-28 Darling Scott Chief Legal Officer AWARD 24,668 sh $672K

2026-01-12 Cooper Kerry Whorton Director AWARD 1,459 sh $66K

2026-01-12 O'Kelly Ciaran Director AWARD 1,168 sh $53K

2026-01-12 Bernard Peter J Director AWARD 834 sh $38K

For UPST, executives receive stock primarily as compensation rather than via open-market purchases — typical for established large-cap firms.

Bills Affecting UPSTLive legislation impacting this stock

S.870 · 118th

An act to authorize appropriations for the United States Fire Administration and firefighter assistance grant programs, to advance

Enacted LOW

HR.1549 · 119th

China Financial Threat Mitigation Act of 2025

Committee latest action 2025-07-24 LOW

HJRES.82 · 119th

Disapproving the action of the District of Columbia Council in approving the Insurance Regulation Amendment Act of 2024.

Committee latest action 2025-03-27 LOW

HJRES.51 · 119th

Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Con

Committee latest action 2025-02-12 MINIMAL

S.557 · 119th

1071 Repeal to Protect Small Business Lending Act

Committee latest action 2025-02-12 MINIMAL

S.261 · 119th

Halt All United States Investments in Venezuela’s Energy Sector Act of 2025

Committee latest action 2025-01-27 MINIMAL

HR.713 · 119th

Preventing Financial Exploitation in Higher Education Act

Committee latest action 2025-01-23 MINIMAL

HR.399 · 119th

To permanently extend the American Samoa economic development tax credit.

Committee latest action 2025-01-14 MINIMAL

HR.1384 · 118th

Middle Class Mortgage Insurance Premium Act of 2021

Committee LOW

S.887 · 118th

A bill to amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly

Committee LOW

Political ProfileWhere UPST sits in Washington

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STRUCTURAL: No political infrastructure (0 lobbying spend, 0 donations, 0 congressional trades). EVIDENTIARY: Strong insider buying signal from a single director (Paul Gu) executing 3 buys totaling $7.06M in value within one day (`get_corporate_insider_signal.top_buys`). Net: Evidentiary signal dominates but is isolated, offset by high regulatory density.

Regulatory ExposureThreats & opportunities

Regulatory threats

High density of financial sector legislation

Multiple Congressional Committees

"`Recent bill_impacts` lists 8 finance-sector bills with impact ratios from 0.0008 to 0.001."

Regulatory opportunities

No specific regulatory opportunities flagged.

Member intelligence layer

Live signals + predictions for UPST — for Founders

The free page above gives you the public record. Members see the real-time intelligence layer on top of it:

Live 7-layer signal scores when Congress trades UPST
Bill Pass Index v2 odds for every bill on the watch list
Iron Triangle alerts (committee × donor × trade)
SEC Form 4 cluster detection (CEO + CFO + director buys)
Whale-Opportunity expected-value ranking
Custom watchlist alerts via email + Discord

Become a Founder · $24.50/mo Locked rate forever · cancel anytime

Frequently AskedAbout UPST & political exposure

Does Upstart Holdings, Inc. (UPST) hold federal contracts?

No direct prime contracts reported in USASpending.gov for Upstart Holdings, Inc.. Companies in the semiconductor and AI hardware sectors often sell to the federal government via prime contractors and cloud resellers (Microsoft Azure, AWS, Lockheed Martin systems integration) rather than as direct primes.

Has Congress traded UPST stock?

4 congressional trades by 1 unique members of Congress, most recently on 2022-05-16. See the Congressional Trading panel for politician-by-politician breakdown.

What is UPST political risk profile?

Government dependence: 5/100. Lobbying intensity: 0/100. Political signal: bullish. Donor party split: R 0% / D 0%.

How does GovGreed track UPST political activity?

GovGreed integrates STOCK Act congressional trade disclosures, FEC contributions, OGE executive-branch disclosures, USASpending federal contracts, Senate LDA lobbying filings, and SEC Form 4 corporate insider trades into a single queryable graph. UPST data is updated daily from these official federal sources.