Welcome to our dedicated page for Upstart Holdings SEC filings (Ticker: UPST), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to SEC filings for Upstart Holdings, Inc. (NASDAQ: UPST), an AI lending marketplace that connects consumers with banks and credit unions for personal, auto, and home equity credit products. Through these filings, investors can review how Upstart reports its financial performance, capital structure, and key operating metrics.
Upstart’s annual reports on Form 10-K and quarterly reports on Form 10-Q describe its business model, revenue from platform and referral fees and servicing and other fees, interest income and fair value adjustments on loans, and definitions of metrics such as transaction volume, conversion rate, contribution profit, Adjusted EBITDA, and Adjusted Net Income. These documents also discuss risks related to funding, macroeconomic conditions, and operating in a highly regulated industry.
Current reports on Form 8-K highlight material events, including quarterly earnings releases, corrections to non-GAAP per-share figures, and the entry into material definitive agreements. For example, an 8-K describes Upstart’s issuance of 0% Convertible Senior Notes due 2032, detailing the terms of the notes, conversion features, redemption provisions, events of default, and the company’s use of proceeds, including capped call transactions and repurchases of earlier convertible notes.
Investors interested in capital structure and potential dilution can use these filings to analyze Upstart’s outstanding convertible notes and related hedging arrangements. Filings also reference securitizations and other loan funding mechanisms that support the company’s AI lending marketplace.
Stock Titan’s platform supplements these documents with AI-powered summaries that explain complex sections of 10-Ks, 10-Qs, and 8-Ks, highlight important changes from prior periods, and surface information on funding arrangements and key metrics. Real-time updates from EDGAR, along with structured access to Forms 3, 4, and 5 for insider transactions when available, help users follow how Upstart’s disclosures evolve over time.
Darling Scott reported acquisition or exercise transactions in this Form 4 filing.
Upstart Holdings Chief Legal Officer Scott Darling reported new equity awards. On February 28, 2026, he received 74,003 performance-based restricted stock units (PRSUs), each representing a right to one share of common stock, with actual shares earned ranging from 0% to 300% of the target based in part on TSR CAGR targets measured as of February 15, 2030 and vesting on February 20, 2030, contingent on continued service. He was also granted 24,668 restricted stock units, each for one share of common stock, vesting 1/16 on May 15, 2026 and quarterly thereafter, subject to continued service, bringing his directly held common stock to 104,150 shares. An additional 31,637 common shares are held indirectly through the Darling Family Trust.
Upstart Holdings, Inc. reported that officer Sanjay Datta received new equity awards on February 28, 2026. He was granted 185,008 performance-based restricted stock units (PRSUs)61,670 shares of Common Stock as a grant or award acquisition at $0.00 per share.
Each PRSU represents a contingent right to receive one share of Common Stock, with the actual number earned ranging from 0% to 300% of the target based in part on TSR CAGR targets measured as of February 15, 2030, and subject to vesting on February 20, 2030 while he continues as a service provider. Certain of the awarded securities are RSUs, where each RSU represents a contingent right to receive one share of Common Stock, with 1/16th of the RSUs vesting on May 15, 2026 and then at the end of each successive three-month period, subject to continued service.
Upstart Holdings executive Natalia Mirgorodskaya reported a small mix of stock sales and new equity awards. She sold 390 shares of common stock in an open-market transaction at
On the same filing, she reported an award of 9,375 restricted stock units, each representing one future share of common stock, and a grant of stock options covering 5,938 shares at an exercise price of
Upstart Holdings insider reported sales of common stock. Natalia Mirgorodskaya sold 633 shares on
Upstart Holdings, Inc. officer Natalia Mirgorodskaya sold 866 shares of common stock in an open-market transaction at $28.79 per share. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan adopted on May 30, 2025.
After this sale, she held 25,289 shares of Upstart common stock, some of which are in the form of restricted stock units that convert into shares only if their vesting conditions are met.
Upstart Holdings, Inc. submitted a Form 144 reporting a proposed sale of 866 common shares tied to a Restricted Stock Lapse dated 02/20/2026. The filing lists prior sales by Natalia Mirgorodskaya of 762 shares on 11/25/2025 (29063.00) and 633 shares on 02/20/2026 (18925.00).
Upstart Holdings, Inc. Chief Financial Officer Sanjay Datta reported an open-market sale of 7,982 shares of common stock on February 20, 2026. The shares were sold at a weighted average price of $29.8641 per share to cover tax withholding obligations related to the vesting of restricted stock units.
After this transaction, Datta directly owns 276,688 shares of Upstart common stock. This amount includes 390 shares acquired on February 13, 2026 under the company’s 2020 Employee Stock Purchase Plan, as well as restricted stock units that convert into common shares as they vest.
Upstart Holdings, Inc. officer Natalia Mirgorodskaya reported an open-market sale of 633 shares of common stock on February 20, 2026 at a weighted-average price of $29.8971 per share. According to the filing, the sale was made to cover tax withholding obligations from vesting restricted stock units, and she continued to hold 26,155 shares afterward.
Upstart Holdings' Chief Legal Officer Scott Darling reported insider transactions involving company common stock. Entities associated with him sold a net 6,868 shares on
Footnotes state that part of the sale was to cover tax withholding from vesting restricted stock units, and that one sale was executed under a pre-arranged Rule 10b5-1 trading plan adopted on
Upstart Holdings: Form 144 filed reporting a proposed sale of common stock by Natalia Mirgorodskaya. The notice lists a proposed sale date of