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UPSTART HOLDINGS, INC.

Active

Registration No.
3725075
Incorporation Date
2014-11-12
Company Type
Not disclosed
Address
SAN MATEO, United States
Website
upstart.com/
Source: California Secretary of State — bizfile Online

UPSTART HOLDINGS, INC. is a registered legal entity registered in United States under 3725075, and its current status with California Secretary of State — bizfile Online is active. The company was incorporated on 12 November 2014 and lists its registered address as SAN MATEO, United States. 5 shareholders are on record for UPSTART HOLDINGS, INC., and since every one of them is a company rather than an individual, this particular filing does not on its own establish an ultimate beneficial owner (UBO) — identifying one would mean tracing the ownership of each shareholding company in turn. This profile is sourced directly from California Secretary of State — bizfile Online and was last updated on 2 October 2026.

Data Provenance
This record is sourced directly from official government registries, including California Secretary of State — bizfile Online.

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Shareholders

5

Five shareholders are currently on record for UPSTART HOLDINGS, INC., reflecting the stock ledger maintained under state corporate law (e.g. §219 of the Delaware General Corporation Law) rather than a public filing.

The largest of these is Vanguard Group Inc, holding 18.2% — the largest recorded stake — followed by Jericho Capital Asset Management, LP at 10%; the remaining 3 shareholders shown hold smaller stakes.

The register reports 11 shareholders in total, though only the top 5 by holding are shown in this view.

Because every shareholder shown is a company rather than an individual, the ownership chain continues above this level, and no beneficial owner can be established from this filing alone.

Shareholder Type Holding Source Document
Vanguard Group Inc 18.2% California Secretary of State — bizfile Online
Jericho Capital Asset Management, LP 10% California Secretary of State — bizfile Online
iShares Trust-iShares Russell 2000 ETF 4.9% California Secretary of State — bizfile Online
VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund 4.3% California Secretary of State — bizfile Online
Squarepoint Ops LLC 3% California Secretary of State — bizfile Online

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Full cap table, ownership percentages, and ultimate beneficial owners resolved down to the natural person.

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Officers

5

The Co-founder, Cto & Director of UPSTART HOLDINGS, INC. currently on record is Paul Gu; five officers are currently on record for UPSTART HOLDINGS, INC., filed with California Secretary of State — bizfile Online.

The register reports 16 officers in total, including past appointments, though only the 5 most relevant records are shown here.

Management authority at UPSTART HOLDINGS, INC. sits with these individuals, not with shareholders, who are covered separately and hold ownership rather than control.

The source filing doesn't specify representation authority — whether officers can act individually or must sign jointly to bind the company — so that detail isn't available here.

PG
Paul Gu ACTIVE

Residence
🇺🇸 United States
Occupation
Co-founder, Cto & Director

DG
DAVID GIROUARD ACTIVE

Residence
🇺🇸 United States
Occupation
President

NM
Natalia Mirgorodskaya ACTIVE

Residence
🇺🇸 United States
Occupation
Corporate Controller

AD
Annie Delgado ACTIVE

Residence
🇺🇸 United States
Occupation
Chief Compliance Officer

AC
Anna Counselman ACTIVE

Residence
🇺🇸 United States
Occupation
Co-founder & Senior Vp Of Business Operations

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Group Structure

UPSTART HOLDINGS, INC. has no recorded parent company — it sits at the top of its own group structure, with 21 subsidiaries recorded beneath it across 1 jurisdiction. Each of these downward relationships is derived rather than filed: resolved by matching entities across the registry network, not stated directly in a single document.

Those 21 subsidiaries span United States jurisdiction, though this list should not be read as complete — subsidiaries only become visible here where shareholder data has actually been filed with a register, so holdings in jurisdictions without that filing simply won't appear.

Ultimate HQ
UPSTART HOLDINGS, INC.
United States
Upstart Network Trust
United States#0229478778

Upstart Securitization Trust 2018-1
United States#0192299727

Upstart Securitization Trust 2017-1
United States#0229478788

Upstart Securitization Trust 2018-2
United States#0228482311

Upstart RR Funding 2019-1, LLC
United States#0229478785

Upstart RR Funding 2018-2, LLC
United States#0229478784

Upstart Funding Grantor Trust 2017-1
United States#0229478765

Upstart RR Funding 2019-2, LLC
United States#0229478786

+13 more entities

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Frequently Asked Questions

Who owns UPSTART HOLDINGS, INC.?

Five shareholders are currently on record for UPSTART HOLDINGS, INC., reflecting the stock ledger maintained under state corporate law (e.g. §219 of the Delaware General Corporation Law) rather than a public filing. The largest of these is Vanguard Group Inc, holding 18.2% — the largest recorded stake — followed by Jericho Capital Asset Management, LP at 10%; the remaining 3 shareholders shown hold smaller stakes. Because every shareholder shown is a company rather than an individual, the ownership chain continues above this level, and no beneficial owner can be established from this filing alone.

Who is UPSTART HOLDINGS, INC.'s UBO (Ultimate Beneficial Owner)?

Every shareholder recorded for UPSTART HOLDINGS, INC. is itself a company rather than a natural person, so no Ultimate Beneficial Owner (UBO) is identified at this level; establishing one would require tracing the ownership of each shareholding company in turn.

How many shareholders does UPSTART HOLDINGS, INC. have on record?

5 shareholders are shown on record for UPSTART HOLDINGS, INC.. The register reports 11 in total; only the top 5 by holding are shown here.

What is UPSTART HOLDINGS, INC.'s company registration number?

UPSTART HOLDINGS, INC.'s registration number is 3725075, filed with California Secretary of State — bizfile Online in United States. Its current status on the register is active.

Is UPSTART HOLDINGS, INC. still an active company?

UPSTART HOLDINGS, INC.'s status on California Secretary of State — bizfile Online is listed as active.

When was UPSTART HOLDINGS, INC. incorporated?

UPSTART HOLDINGS, INC. was incorporated on 12 November 2014, according to California Secretary of State — bizfile Online.

What is UPSTART HOLDINGS, INC.'s registered address?

The registered address on file for UPSTART HOLDINGS, INC. is SAN MATEO, United States.

Who are the officers/directors of UPSTART HOLDINGS, INC.?

The Co-founder, Cto & Director of UPSTART HOLDINGS, INC. currently on record is Paul Gu; five officers are currently on record for UPSTART HOLDINGS, INC., filed with California Secretary of State — bizfile Online. Management authority at UPSTART HOLDINGS, INC. sits with these individuals, not with shareholders, who are covered separately and hold ownership rather than control.

Does UPSTART HOLDINGS, INC. have a parent company or subsidiaries?

UPSTART HOLDINGS, INC. has no recorded parent company — it sits at the top of its own group structure, with 21 subsidiaries recorded beneath it across 1 jurisdiction. Those 21 subsidiaries span United States jurisdiction, though this list should not be read as complete — subsidiaries only become visible here where shareholder data has actually been filed with a register, so holdings in jurisdictions without that filing simply won't appear.

Can Zavia monitor changes to UPSTART HOLDINGS, INC.'s ownership over time?

This profile reflects a point-in-time snapshot from California Secretary of State — bizfile Online. Zavia's monitoring API can track changes to UPSTART HOLDINGS, INC.'s registered shareholders, officers, and group structure going forward, flagging updates as they're filed rather than requiring a manual recheck.

Can I access UPSTART HOLDINGS, INC.'s data through an API?

Yes. Zavia's API connects directly to official government ownership registries across 195 countries and territories, including United States, so records like UPSTART HOLDINGS, INC.'s registration, shareholder, UBO, and group-structure data can be queried programmatically instead of viewed one page at a time.

Where does this company information come from, and how current is it?

This record is sourced directly from California Secretary of State — bizfile Online and was last synced on 2 October 2026.

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