| Benford Chart for UPST 10K Filed 2/10/2026 | ||||||||||||||||||||||||||||||||||||
Total numbers found: 1,516 Recent share count: 97,286,484 (9's column) ■ = Typical range across full coverage universe | ||||||||||||||||||||||||||||||||||||
| # of Numbers Found in Filing | |||
|
On this page of Benford's Law Stocks.com we present our study of Upstart Holdings, Inc. — ticker symbol UPST. SEC filings have been screened by our Benford's Law software, for quarterly 10Q and annual 10K filings from 3/18/2021 to 2/10/2026
for Upstart Holdings, Inc. under CIK number 0001647639.
For filings made in XBRL (eXtensible
Business Reporting Language) format, our algorithm extracts all "tagged" numbers presented by the company; for any non-XBRL
filings our algorithm uses its own interal set of rules to extract what it believes to be numbers as found throughout the filings. The format
found for each filing is presented below together with the results for UPST, with the percentage of found numbers beginning with each digit
(1's, 2's, 3's, 4's, 5's, 6's, 7's, 8's, and 9's) charted against the "normal" range observed throughout our coverage universe, as
well as the "normal" range for Upstart Holdings, Inc. based on the past UPST filings our system processed in the past.
| Benford's Law Stocks Score for UPST = 81 | ||
Starting from a possible score of 100, we made the following score deductions: • The 4's percentage was higher than the 3's percentage, increasing the penalty multiplier. • The 8's percentage was higher than the 7's percentage, increasing the penalty multiplier. • This is the 2nd column with percentage higher than the prior column, resulting in a penalty deduction. • The 9's percentage was higher than the 8's percentage, increasing the penalty multiplier. • However, because we observed that the company's shares outstanding count begins with the digit 9, we canceled the penalty multiplier. • This is the 2nd column with percentage higher than the prior column, resulting in a penalty deduction. • We deducted points upon observing the 9's percentage was above the typical coverage universe range. • We deducted point upon observing the 9's percentage was above the company's typical historical range. |
| UPST's Score Vs. Typical Stock | |||
|
Check our work! We provide our Upstart Holdings, Inc. Benford's Law analysis for informational purposes only, and our software should be expected to
make mistakes and contain errors (nothing you see on this website should be relied upon for any decision-making without first repeating
the analysis yourself independently), and so below we present to you all of the numbers our system detected, for the UPST filing
above. This way, you can open the filing on your own and compare what you see below against what you yourself find. This can also
be helpful for exploring any columns in particular that caught your eye.
| 1's | 2's | 3's |
|---|---|---|
| We found 468 numbers that start with the digit 1. Here they are: 187,841 16,410 176,848 112,742 138,582 160,494 107,659 1,402,168 1,829,145 15,883 15,219 133,800 171,495 1,733,740 10 1,044,366 1,156,361 102.9 1,312 1,183 1,864 12,971 154 154 195,606 167,444 168,996 186,360 180,971 144,865 1,062 1,043,857 127,143 166,800 150,418 157,996 188,377 1,001,226 172,856 18,793 19,872 128,396 107 185 128,581 1.44 1.44 107,492,735 1,441,787 1 12,880 12,881 15 15 181,705 181,705 137,720 137,720 128,581 128,581 1,044,366 1,580,432 1 16,859 16,860 118 141,332 141,332 10 1,156,361 128,581 190,320 125,002 113,672 16,490 18,646 1,246 12,568 16,579 175,039 133,400 131,950 13,713 15,449 17,021 189,746 192,889 187,660 10,831 111,712 186,331 147,725 157,223 1,033,027 102,446 145,266 11,930 142,902 1,527 10,559 18,060 118,455 177,171 12,385 165,318 165,487 1,057,012 13,172 13,001 1,761 187,841 1,057,012 146,311 133,055 157,032 11.5 18.2 19.0 10 11 16 15 16 107,008 100,164 15,865 16,405 14,434 10,299 146,311 133,055 157,032 168,996 186,360 130,440 111,175 15,983 12,237 17,707 16,605 180,971 144,865 1,062 19,697 16,593 11,114 10,026 10.2 14.6 17.6 109,739 196,982 11,733 167,158 101,791 19,111 167,444 165.3 143,776 1,426,987 101,670 168,091 1,943,215 176,848 1,091,538 10,089 17,707 16,605 160,055 108,965 137.4 191.6 176,848 112,742 1,864 1,090,779 1,632,092 10,089 1,180 103,204 102,949 11.91 14.78 17.87 15.52 15.25 15.00 10.43 15.66 16.12 12,006 17,881 10,465 18,129 1,899 102,949 1,799 146,768 179,071 1,156,413 137,050 180,674 17,417 11,104 102,949 1,032,970 193,197 110,787 11,302 165,115 1,038,521 11,236 17,685 13,094 1,598 149.5 112.7 1,173 1,923 112,742 12.59 12.78 10.72 19.00 10.98 10.40 15.66 16.12 14,847 141,416 13,001 124 1,273 187 1.2 13.00 17.14 13.00 17.32 16.05 17.01 1.96 1.19 1.16 14,098 16,746 15,837 16,490 1,246 1,180 18,646 176.8 10.1 13.75 13.53 14.50 12.90 12.60 1.32 13.42 15.50 13.75 13.75 13.75 13.25 13.25 13.25 18.68 1.90 176,848 158,190 15,244 10,089 10,259 148,448 12,568 176,848 10,089 140,686 16,579 12.54 14.78 10.15 18.97 19.48 1.51 1.52 172 13,700 13,700 1,142 1,142 1,142 1,142 1,142 19,321 17,379 160,494 15,069 15,519 122,595 18.6 12,381 10,089 1,180 133,800 171,495 195,605 1,230,379 1,687,794 1,425,984 1,860,774 1,402,168 1,829,145 1,860,774 167,166 150,000 19,396 11,353 1 100,000 108,980 128,973 195,605 185,231 1.0 100.0 150.0 150.0 100.0 1.00 1,230,379 1,687,794 130 100 1.00 130 100 15.7 10.4 11.8 14.4 1.4 14.2 11,545 13,613 1,230,379 1,206,563 1,436,474 1,687,794 1,656,396 1,665,759 126.92 10,709,898 10,922,232 100 10 110 15,000,000 15,000,000 10,709,898 18.35 1,580,432 10.67 19.57 139.6 15.11 131.05 11,705 12,679 10,683 110,381 175,039 133,400 131,950 15.4 10,607 15,766 14,198 14,031 14,396 15,902 19,865 15,397 116.9 18.0 11,237.2 14,290.4 128.4 107 185 107 185 107 185 11,409 180 14 1.24 10,187 18.75 15.91 17.87 16,586 13,840 10.78 15,304 1.00 12 178 14 1,154 1,133 107 185 15 1.34 19,494 18,795 1,189 12,574 11,363 12,249 10,622 14,564 19,488 12,587 1,183 19,488 1,164.9 1,680.0 18,474 179 1,200 184 119 117 107 128,581 128,581 11,462,177 107,492,735 1.44 1.44 12,617,254 10,709,898 1,421,770 184,447 163,228 15,929,353 14,880,726 18,809,711 115,198 107,388 130,284 13,648 1,062 18,793 19,872 128,396 125.0 116.6 128.9 162.7 15.5 13 158,995 14,440 | We found 246 numbers that start with the digit 2. Here they are: 255,387 2,366,958 2,974,805 21,149 2,175,990 2,366,958 2,974,805 225 23,415 287,574 204,230 280,138 253,653 257,602 212,388 230,935 253,740 256,525 21,206 24,324 240,025 240,132 2.87 2.87 240,132 240,132 282,576 21,414 21,414 22 22 2,763,508 219,818 240,132 22,171 2,013 21,672 2,145 28,003 24,903 20,549 24,835 2,514,627 24,832 21,598 2,084 23,051 237,726 294,218 224,154 23,320 21,297 29,077 25,300 258 221,749 25.8 2.5 29 26 20 23 27 29,139 26,444 29,375 2,760 206 204,230 24,042 26,489 28,968 29,396 22,417 233,905 271,483 268,213 287,574 204.7 25,774 2,016,813 22.1 2,214,535 2,559,210 23,814 2,325,305 26,489 219,412 204,814 27,439 22,055 225 297,543 22.37 23,623 20,397 2,224,563 2,547,632 2,342,018 2,342,018 2,087,810 2,087,810 2,087,810 2,087,810 201,106 28,125 297,543 2,329,749 2,105,962 2,524,586 217 285.5 22.1 22.37 21.10 22,055 23,051 2,532 27.4 20.00 20.00 2.69 2.17 2.69 2.00 27,439 28,092 2,038 27,439 24 22,409 21,598 22.37 2,900 2,567 22,055 27,439 28,830 255,387 20.6 23.7 2.6 23,816 23,228 2.4 23,025 2.8 2.4 2.8 25 2.00 27.9 224.2 232.6 232,585 20 25 285.26 2.00 20 2.5 299,129 2,339 296,790 272,727 209 23,816 285.26 2 2,276,156 25,508,855 26,543,578 222.1 2 26.98 23.11 247,040 215,603 23.09 246,960 28.9 21.9 2,021,781 2,763,508 2,276,156 219,818 2,990 23,596 2,447 21,149 22,014 240.0 21.00 26,963 21.00 21.00 28 2.62 2,306 23.46 26,048 28.17 20 287 2.09 288 27,147 2,481 2,821 2,728 2,135 242 27,147 22.9 28.1 22,158 26,466 22,158 26,466 258 258 22 240,132 240,132 2.87 2.87 2,438,250 2,318,078 20,654,173 235,371 20,713 29,080 25,697 280,138 253,653 257,602 212,388 230,935 253,740 21,206 24,324 240,025 256.2 20 2.6 2.9 | We found 152 numbers that start with the digit 3. Here they are: 39,013 396,216 357,556 34,894 31,664 301,507 33,361 3,170,158 3,159,674 3,646,748 333,564 357,556 33,184 33,361 3,869 3,057 3,217 3,006,510 37,885 3,956 39,558 323,096 395,731 320,364 3,438 3,515 347 387,281 3,945 3,150 357,352 317,097 325,344 36,547 325,675 3.8 3.2 3.2 33 34,894 31,664 3,270 363,890 3.7 372,402 396,216 389,566 30,579 396,216 393,159 33.07 37.70 35.68 3,783 3,577 323,069 386,153 3,362,719 314,827 37,885 393,159 367.4 316 365 38 35.72 33.04 37.70 35.68 3.70 36.43 36.50 3.70 388 32,148 396.2 3.60 396,216 3,247 326,870 33,184 396,216 35.50 34.59 3,194 3,003 39,658 39,013 31.0 38.5 37,781 31,981 3,241 31,629 3.0 3 3.8 325,000 34,217 325.0 302.4 334.2 33.4 30 30 3 3.1 3.2 3.3 31,398 3,703,631 3,425,952 35.61 34.7 30.5 35.2 3,703,631 33.46 38.06 39.0 3.45 3.76 3.72 3,776 38,189 39.40 30,120 381 30 30 346,356 357,440 322 319 308 3,376 32,197 32.2 30 32 36 30 3,946,170 3,703,631 30,506,110 366,942 366,942 32,469 36,626 33,798 33,361 365 |
| 4's | 5's | 6's |
|---|---|---|
| We found 159 numbers that start with the digit 4. Here they are: 404,624 44,174 43,455 41,250 41,250 46,542 411,157 47,642 46,542 4,493 40,433 46,869 42,631 4,706 45 42,444 459,459 40,883 40,883 411,157 4,817 4,130 49,149 4,309,268 4,101,937 47,997 4,602 4,575 44,124 4,328 40,883 40,592 48,781 47,486 405,645 467,787 467,787 43,119 43,483 4,320 44,763 404,624 414,120 4.6 4.7 40,433 46,869 430,887 46,542 4,530,737 4,157,750 459,343 40,941 46,542 4,614 4,383 405,812 45 45 43.41 41.51 40.50 47,997 405,812 418,624 43,026 4,591 46.5 4.61 4.11 41.51 40.50 40,592 46,542 40.9 4.4 40,941 4,145 40,941 4,383 4.00 4,912 44,356 4,720 44,420 41,012 4,221 4.6 4,251 4,614 4,043 4 4,281 4.3 48,233 46,647 40,941 4,795 4,795 44,174 49,275 4,614 4,383 431,250 4.0 457,576 40 431.3 45.66 4.5 431,250 421,318 431,250 423,317 488,455 488,015 490,357 461,614 400.36 45.66 4,140,207 400.0 495,359 41.78 47.43 4.86 4.43 4.09 4.97 4.12 4.34 45,809 43,871 46,380 4,441 4,067 4,030 47.94 490 426 48 47 40 402 4,234 441 4,129 45 46 4,881 48,720 45 402,246 402,246 41,783 45,270 46,869 4,706 4.4 | We found 140 numbers that start with the digit 5. Here they are: 5,437,795,847 56,269 51,358 50,278 53.8 524,535 560,431 513,562 54,329 53,601 56 568 580 580 55,200 55,200 564 564 53,601 53,601 53,601 5,151 596 5,792 5,917 56,892 575,937 55,200 580 564 55,368 559,871 508,476 532,467 590 54,780 51,599 5,792 502,411 560,431 5.4 5,496 524,535 58,275 507,666 589,826 5,075 54,780 53,762 56,269 5,075 5,761 537,631 53,762 5.00 5.96 53,762 59,862 545,909 51,356 51,139 537,631 53,762 52,136 53,969 54.3 56.3 54,780 56,269 59,461 5,276 5.75 54 50.28 50.28 5.96 5,917 55,368 5.1 5.45 5,075 5,151 5 5,075 5.8 5.00 5,761 5,423 5,185 5,057 55,401 5,761 5,075 500,000 56,255 5.5 575,000 5 50.0 500.0 566,500 500,000 500,000 573,687 500.0 5 50.96 53.76 50.32 50.66 5.55 5.04 5.30 5,558 5.22 54.3 50,405 50,585 544 518 56,675 5,456 536,113 551,371 508,966 531,883 5,290 5.7 590 590 58 52 53,601 56 5,534,394 552,447 563,563 563,563 54,329 581,500 | We found 108 numbers that start with the digit 6. Here they are: 652,388 67,062 67,062 60,173 633,218 6,340 635,466 636,528 672,435 635,305 633,218 6,921 6,700 6,822 67,753 626,910 678,270 64,680 658 6,666 652,388 635,466 677 6,444 6,733 6,313 65,367 690,522 671,411 61,761 6.99 67 67 6.73 6.73 6,313 6,765,933 6,765,933 6,765,933 6,765,933 6.75 6.75 6.75 6.50 6.50 6.50 6.99 67 67 6.73 6.73 61.96 61.96 62 62 62 65 62 62 6,931 6.75 6.50 6,384 6,700 67.59 67.1 68,481 6,069 6,358 68,232 64,514 6,788 66,544 61,807 65,000 661.3 690.0 690,000 66,544 66,335 63,958 675,732 690,000 676,387 66.21 62.12 685,748 687,500 68.76 67.85 67.40 65,691 66.2 6.0 672 6,288 6.08 6.91 608 68 69,300 65,211 612 658 658 67 68,965 624,832 |
| 7's | 8's | 9's |
|---|---|---|
| We found 72 numbers that start with the digit 7. Here they are: 788,422 700,000,000 798,815 750,184 748,511 78,720 770,087 7,694 7,246 728 714,871 777 7,685 7,685 798,815 7,246 7,862 788,422 792,979 7.6 743 78,720 7,468 7.2 748,511 7,089,947 703,355 7,201 7,201 7.59 7.56 7,798 7,461 78,421 75,647 765,648 74,541 74,307 75 75.6 75.9 7.2 7 7,933 70.24 700,000,000 7,669,374 791,546 716,029 7,187,200 78.2 7,038 7,200 70,786 7.13 72.8 7.6 7.6 728 728 728 7,806 78 728 7,607 784 78 77.3 71 7,516,007 7,694 7,246 | We found 74 numbers that start with the digit 8. Here they are: 806,304 87,321 89,088 819,344 812,109 87,321 809,384 83,765,896 89,450,038 83,765,896 89,450,038 81,259,676 8 8,431 8,431 86,330,303 8,449 8,449 8,607 8,679,462 8,932 8,690 807 837 80,749 8.1 89,323 83,088 834 8.2 87,322 812,109 8,757 85,105 84,065 806,304 87,321 806,304 89.07 89.84 89.84 830,574 806,304 858,440 806,304 87.3 8.52 89.84 89.84 87,321 8,402 89 80,110 89,605 88.53 8,277 8,277 8,289 87,493 82.50 82.50 8.4 84.6 8.19 85 88.37 8,166 84,572 88 83,765,896 89,450,038 83,765,896 89,450,038 85,599 | We found 97 numbers that start with the digit 9. Here they are: 98,061,276 984,552 93,469,721 98,033,361 9 915,955 97,333 950,011 93,846 96,030,558 9 917,872 93,469,721 9 9 9 98,033,361 942 9,072,905 972 9,153 913,440 976,263 976,263 90,565 95,880 9,382 976,263 950,011 93,846 9,598 915,955 9.2 97.4 931,760 984,552 97,416 984,552 9.75 9.51 93.12 91.50 99.75 9.59 930,790 9,048 9,135 92,687 984,552 9,638 984,552 97.4 9.60 94.53 95.77 9.65 95,880 97,416 96.90 96.90 942 9.78 9.18 9,676 9.55 95.80 95.77 9,419 97,416 9,431 95,923 94,414 97,333 97,332 97,333 91.99 98 9,932 9,643 9.4 9,204,983 9,204,983 9,196,475 97.74 96.69 95.30 99.09 9,711 96 9,436 94 92 96,030,558 929,218 99,906 93,846 90.5 |
While the above UPST 10K Filed 2/10/2026 is interesting in isolation, we have found that it is also useful to take a look at older
Upstart Holdings, Inc. filings processed by our Benford's Law Stocks algorithm, to see how the company's filings "typically look" on a
Benford's Law analysis. Below we repeat the 10K Filed 2/10/2026 but instead of the chart comparing against the typical company across
our coverage universe, below we show the same chart compared against the typical UPST 10Q and 10K filings that we have processed
historically. This is followed by similar charts for each of those historical filings.
| 10K Filed 2/10/2026 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,516 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10K Filed 2/13/2025 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,431 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10Q Filed 5/7/2024 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 999 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10Q Filed 8/8/2023 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,057 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10Q Filed 11/8/2022 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,083 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10K Filed 2/17/2022 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,165 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10Q Filed 5/13/2021 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 752 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10Q Filed 8/5/2025 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,452 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10Q Filed 11/7/2024 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,429 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10K Filed 2/15/2024 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,205 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10Q Filed 5/9/2023 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 779 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10Q Filed 8/8/2022 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,046 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10Q Filed 11/12/2021 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,150 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10K Filed 3/18/2021 | ||||||||||||||||||||||||||||||||||||
XBRL? ❌ [ original filing ] Total numbers found: 2,716 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10Q Filed 5/6/2025 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,121 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10Q Filed 8/6/2024 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,325 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10Q Filed 11/7/2023 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,163 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10K Filed 2/16/2023 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,161 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10Q Filed 5/9/2022 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 735 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||
| 10Q Filed 8/12/2021 | ||||||||||||||||||||||||||||||||||||
XBRL? ✓ [ original filing ] Total numbers found: 1,119 ■ = Typical UPST range from 3/18/2021 to 2/10/2026 | ||||||||||||||||||||||||||||||||||||