Gu Paul

CEO Paul Gu buys 50,000 shares at $27.50 on weakness; third open-market purchase in three years after 64 prior sales.

Paul Gu, the Chief Executive Officer of Upstart Holdings, deployed $1.375 million to purchase 50,000 shares, representing his third open-market purchase in roughly three years—a striking reversal from his dominant pattern of 64 prior sales over the same period. The stock is trading nearly 70% below its 52-week high and has declined over the prior three-month period, yet Gu is buying. His last two open-market purchases at Upstart, made simultaneously at the same price on the same date, were both followed by strong near-term gains before giving back those returns over a longer horizon. This current purchase carries similar mixed-signal historical weight: Gu's prior buys at this company posted gains within 30 days but roughly flat returns at the 90-day mark, while his prior sells at Upst were all well-timed, with the stock declining after each exit. Upstart itself remains profitable with strong annual revenue growth, though the most recent quarter showed a net loss, creating a contrast between the macro growth story and near-term earnings weakness that mirrors the conflicting signals in Gu's own historical timing at the stock. The rare CEO purchase into a temporary downturn deserves attention, but his track record at this company shows conflicting timing outcomes—earlier buys rebounded quickly but stalled longer term, while his sells proved consistently prescient.

CTO Gu Paul purchased 100,000 shares of UPST for $3,922,800.00 at $39.23 avg; stock down 58.0% from 52-week high.

Gu Paul, Chief Technology Officer, executed 2 separate purchases totaling 100,000 shares for $3,922,800.00 on 2025-11-11, at an average price of $39.23, bringing his holdings to 80,000 shares post-transaction. This purchase occurs while UPST trades $37.29, down 58.0% from its 52-week high of $88.77 and down 26.0% over the past 30 days. Notably, Gu's prior trading history at UPST shows 5 consecutive well-timed sales—all 5 prior trades captured subsequent declines with 90-day returns ranging from -14.6% to -44.8%—suggesting demonstrated market timing skill specific to this ticker. However, the company currently faces structural headwinds: though it posted $277.1M in quarterly revenue (+23.9% annual growth) and returned to profitability with $31.8M net income last quarter, it was unprofitable over the most recent full fiscal year, and the stock's 41.8% 90-day decline reflects sustained investor skepticism despite the turnaround. The insider's willingness to deploy $3.9M near a multi-year low, combined with his track record of well-timed exits at this ticker, suggests conviction in a recovery at current levels, though the magnitude of recent losses and full-year unprofitability warrant careful evaluation of whether the downturn has fully priced in operational risks.

CTO Paul Gu sold 12,007 shares at blended $79.02 avg for $948,826.47; stock now $70.50, down 20.6% from 52-week high.

Paul Gu, CTO of Upstart Holdings, executed 2 separate sales on 2025-02-20, totaling 12,007 shares for $948,826.47 at a blended average price of $79.02. The shares were sold above the current stock price of $70.50, which is down 20.6% from the 52-week high of $88.77, suggesting the executive was ahead of the recent pullback. However, this must be contextualized against his prior transaction history at UPST: his 5 previous sales in early December (ranging from 2024-12-02 to 2024-12-06) have shown 30-day declines of -13.6% to -15.9%, yet the 90-day outcomes remain unmeasurable, so no pattern of well-timed selling can yet be established at this ticker. His cross-ticker track record shows 20 prior sells with a well-timed rate of 30.00%, suggesting modest precision with timing—well below a majority of sells. Upstart remains unprofitable (net income of $-6,758,000.00 in the latest quarter) despite 23.9% annual revenue growth, adding fundamental uncertainty to the stock's near-term trajectory.

Gu Paul (CTO) sells 72,400 shares across 4 transactions (Dec 4-6) for $5,450,068.94 at $75.28 avg; retains 863,065 shares.

Gu Paul executed 4 separate sales totaling 72,400 shares for $5,450,068.94 between December 4–6, 2024, reducing his holdings from 935,465 to 863,065 shares (-7.7%). The sales occurred within the stock's recent momentum phase (30-day change: +42.9%, 90-day change: +124.3%), pricing shares at $75.28 average relative to the current price of $77.16. The company remains unprofitable with annual revenue growth of -39.0% and a most recent quarter net income of $-6,758,000.00, against $162,140,000.00 in quarterly revenue. Across his open-market history, Paul's prior 20 sells averaged a +27.1% 30-day return post-transaction, though this specific filing's timing outcomes relative to his cross-ticker track record and same-ticker measurable history cannot yet be fully assessed.

Upstart CTO Gu Paul sells 87,600 shares for $6,078,466 across 6 transactions; stock up 58.0% in 30 days, 108.9% in 90 days.

Chief Technology Officer Gu Paul executed 6 separate sales totaling 87,600 shares for $6,078,466.14 on 2024-12-02 at blended average price $69.39, reducing his holdings by 9.2% to 863,065 shares remaining. The timing is notable: UPST has surged 58.0% over the prior 30 days and 108.9% over the prior 90 days, trading at $74.63 current price, near its 52-week range of $21.64–$81.00. The company's fundamentals remain challenged—annual revenue growth is -39.0%, the latest quarter saw net income of $-6.8M on revenue of $162.1M, and full-year earnings were negative. Gu's recent trading pattern at UPST shows 5 prior sells clustered in late November and early December 2024, all with outcomes not yet measurable; his broader cross-ticker track record of 20 prior sells achieved only 0.00% well-timed rate at the 90-day horizon, suggesting his historical sell timing has not preceded material declines.

CTO Paul Gu sells 58.8K UPST shares for $4.5M on 2024-11-25; stock up 50.9% in 30 days, 83.2% in 90 days

Paul Gu, Chief Technology Officer, executed 3 separate sales totaling 58,786 shares for $4,463,814.93 at blended average price of $75.93, reducing holdings by 6.4% from 921,851 to 863,065 shares. The sales occurred as UPST stock has surged +50.9% over the past 30 days and +83.2% over 90 days, now trading at $78.43 near its 52-week high of $81.00. However, Gu's cross-ticker track record shows his prior 20 open-market sells averaged a +68.9% 90-day return with a well-timed rate of 0.00%, indicating his historical sells have consistently preceded further stock appreciation rather than declines. The company remains unprofitable with -$6.8M net income in the latest quarter and -39.0% annual revenue decline, providing a fundamental context for the transaction pattern despite the stock's recent strong momentum.

CTO Gu Paul sells 36.7K UPST shares across 3 transactions for $2.7M; stock up +48.9% in 30 days amid unprofitable fundamentals

Gu Paul, Chief Technology Officer of Upstart Holdings, executed 3 separate sales totaling 36,714 shares for $2,673,756.50 over 2024-11-20 to 2024-11-21 at a blended average price of $72.83. The stock has rallied sharply—+48.9% over 30 days and +76.3% over 90 days—yet the company remains unprofitable with full-year net income of $-6,758,000.00, annual revenue contracting -39.0%, and the current price of $74.06 near the 52-week high of $81.00. The CTO divested 4.1% of his holdings while the stock approached its peak, amid a pricing environment decoupled from deteriorating profitability. His prior sales at UPST have not yet settled (all 5 recent same-ticker trades occurred on 2024-11-15 with outcomes unmeasurable), and across his cross-ticker track record, his sells have shown modest 90-day timing accuracy (22.22% well-timed rate with an average 90-day return of +47.4% post-sale, indicating he typically sold before subsequent gains). This sale occurs in a high-valuation, unprofitable environment where the CTO is reducing exposure.

CTO Paul Gu sells 65,000 UPST shares for $4.3M across 5 transactions at $65.43–$69.17; retains 878.6K shares as stock surges 33.8% in 30 days.

Paul Gu, CTO at Upstart Holdings, executed 5 separate sales totaling 65,000 shares (65.0K shares) for $4,327,773.85 on 2024-11-15, reducing his stake by 6.9% to 878.6K shares (878,565 shares) post-transaction. The blended average sale price of $66.58 occurred during a sharp upward swing: the stock has posted a 30-day change of +33.8% and a 90-day change of +75.0%, now trading at $71.11, approximately 4.2% above the transaction prices. His same-ticker trade history at UPST shows 5 prior sales in early October and early September; the three most recent same-ticker sales (on 2024-10-14, 2024-10-01, and 2024-10-01) have registered 30-day returns of +34.9%, +21.9%, and +24.6% respectively, indicating the stock continued upward after those sales. In contrast, his cross-ticker track record across 20 prior sells shows an average 90-day return of +23.3% with a well-timed rate of 42.86%, suggesting a mixed historical pattern at reading sell moments. The company reported revenue of $162,140,000.00 and net income of $-6,758,000.00 in its latest quarter, with annual revenue declining 39.0% year-over-year and full-year net income negative.

CTO Paul Gu sold 20,000 UPST shares at $50.26 on 2024-10-14 (total $1.0M); holdings reduced to 878.6K shares.

Paul Gu, Chief Technology Officer, sold 20,000 shares at $50.26 on 2024-10-14, reducing his holdings by 2.2% to 878.6K shares remaining. The sale occurred as UPST stock was rallying significantly (+39.1% over 30 days, +71.2% over 90 days), trading near its 52-week high of $54.07. Gu's cross-ticker track record shows a 70.00% well-timed rate on his 20 prior sells across all holdings, suggesting historical execution discipline. However, at UPST specifically, the company faces material headwinds: annual revenue declined 39.0%, the most recent quarter shows a $54.5M net loss, and the company remains unprofitable on a full-year basis. Gu's five prior UPST sales in early September produced mixed near-term results (30-day returns ranging from -1.4% to -5.5%), offering no definitive pattern yet at this ticker.

CTO Paul Gu sells 36,200 shares (36.2K) for $1,419,672.98 at Upstart; holds 878.6K post-sale.

Gu Paul, Chief Technology Officer, executed 2 separate sales totaling 36,200 shares for $1,419,672.98 on 2024-10-01, reducing holdings by 4.0% to 878.6K shares. The blended average sale price of $39.22 exceeds the current price of $38.94, though the stock has appreciated 67.8% over the past 90 days from a 52-week low. His cross-ticker track record shows 20 prior sells with a well-timed rate of 75.00% (avg 90-day return -7.9%), but his same-ticker history at UPST presents a mixed picture with 5 prior trades showing inconsistent 30-day outcomes and no completed 90-day measurement windows yet. Against the backdrop of UPST's deteriorating fundamentals—annual revenue declined 39.0%, with the company unprofitable at -$54.5M net income on $127.6M quarterly revenue—the sale warrants attention as a data point within the insider's broader selling pattern at this ticker.