Upstart Holdings, Inc. (UPST)
CIK 1647639 · all EDGAR filings →
Same rating bands the category standard uses, but free, with the formula on the chip and the gaps in the data said out loud.
Shares outstanding over time
Latest: 97.3M shares as of Jul 28, 2026 (10-Q/A).
Cash runway
Self-funding
profitable · generates cash
Full breakdown: cash runway tool · source filing →
Warrants
Warrants outstanding: 75,000 underlying shares, as reported Oct 31, 2018 (10-Q).
Reported exercise price: $2.16 (aggregate figure as tagged; individual tranches vary).
Rough fully diluted estimate: 97.4M = 97.3M O/S + 75,000 warrant shares. An estimate, not a filing figure: it ignores converts, options and RSUs, and the two inputs carry different as-of dates.
Convertible notes
| Note | Principal | Carrying | Conv. price | Rate | If converted |
|---|---|---|---|---|---|
| Twenty Thirty Two Notes | $690.0M | $690.0M | $82.5 | 0% | ~8.4M sh |
| Twenty Twenty Six Notes | $661.3M | $66.5M | $285.26 | 0.25% | ~2.3M sh |
| Twenty Thirty Notes | $500.0M | $500.0M | $91.99 | 1% | ~5.4M sh |
| Twenty Twenty Nine Notes | $431.3M | $431.3M | $45.66 | 2% | ~9.4M sh |
If every note above converted at its tagged price: ~25.6M new shares on 97.3M currently outstanding. An estimate from principal ÷ conversion price, with inputs carrying different as-of dates; make-whole adjustments, capped calls and partial repurchases are not modeled.
Notes exactly as the company dimensioned them in its 10-Q filed Aug 4, 2026 →. Principal is face amount as tagged, not what remains after repurchases unless the filer updated the tag. A note the filer did not dimension is absent here, not absent from the balance sheet; the exhibits stay the ground truth.
Fully diluted build-up
Shares outstanding plus every potential-share instrument the filer tagged in XBRL, each at its own as-of date. An estimate assembled from filed figures, not a filing figure itself.
| Shares outstanding | 97.3M | Jul 28, 2026 |
| + Warrants (aggregate, as tagged) (if exercised) | 75,000 | Oct 31, 2018 |
| + Twenty Thirty Two Notes (if fully converted) | 8.4M | Aug 31, 2025 |
| + Twenty Twenty Six Notes (if fully converted) | 2.3M | Aug 31, 2021 |
| + Twenty Thirty Notes (if fully converted) | 5.4M | Nov 30, 2024 |
| + Twenty Twenty Nine Notes (if fully converted) | 9.4M | Sep 30, 2024 |
| Fully diluted estimate | 123.0M | +26.3% vs O/S |
Still excluded, because the filer does not tag them in countable form: employee options and RSUs, any instrument living only in exhibit prose, and instruments above missing a share count. Inputs carry different as-of dates, shown per row. Each figure traces to the tranche and note tables above and their cited filings.
Registrations and offerings
Last 12 months: 0 executed · 0 registered.
Full history and shelf status: offering checker · S-3 shelf checker
Source: SEC EDGAR XBRL company facts and filing metadata, fetched live and cached briefly. Share counts are cover-page figures with their form named. Warrant tranches and convertible notes come from the dimensioned facts in the latest 10-Q/10-K instance document, exactly as the company tagged them; untagged tranches and notes are absent, not disproven. Nothing on this page is manually verified and nothing is behind a login: what free data supports is shown, what it cannot support is stated. Not investment advice.
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