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.
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Upstart Holdings, Inc. (UPST) reported insider activity by an officer on a Form 4 dated 11/20/2025. The reporting person exercised an employee stock option to acquire 6,900 shares of common stock at an exercise price of $1.35 per share. On the same date, they sold 741 shares at a weighted average price of $36.582 and separately sold 80 shares at $36.95.
The filing explains that the sales were made to cover tax withholding obligations related to vesting restricted stock units, and that certain holdings are RSUs, each representing one share of common stock upon vesting. After these transactions, the reporting person directly beneficially owned 27,160 shares of Upstart common stock. All shares subject to the reported option are fully vested and exercisable.
Upstart Holdings, Inc. (UPST) reported insider activity by its Chief Legal Officer on 11/20/2025. The officer sold 7,323 shares of common stock at a weighted average price of $36.552 and 400 shares at a weighted average price of $37.025 to cover tax withholding obligations related to vesting restricted stock units (RSUs).
The filing also shows a change in ownership form involving 5,392 shares moved out of direct ownership and 5,392 shares moved into a trust, with no consideration exchanged. After these transactions, the officer beneficially owned 98,390 shares before the sales, then 92,598 shares directly and 22,827 shares indirectly through the Darling Family Trust. The filing clarifies that certain unvested RSUs are directly held, correcting prior reports that showed them as indirectly held.
Upstart Holdings, Inc. (UPST) reported a Form 4 filing for its Chief Financial Officer, who is an officer and not a 10% owner. On 11/20/2025, the CFO reported two sales of common stock. One sale covered 12,624 shares at a weighted average price of $36.544, and another sale covered 1,000 shares at a weighted average price of $36.992. The explanation states these shares were sold to cover tax withholding obligations related to vesting restricted stock units. After these transactions, the reporting person beneficially owned 284,280 shares of common stock, some of which are restricted stock units where each unit represents a contingent right to receive one share, subject to vesting conditions.
Upstart Holdings (UPST) insider activity: A director and Chief Technology Officer reported buying 100,000 shares of common stock on 11/11/2025. The purchases were made indirectly—20,000 shares at a weighted average price of $39.22 through THE GU QIAO FAMILY TRUST and 80,000 shares at a weighted average price of $39.23 through JECCO, LLC. Following these transactions, the reporting person beneficially owned 1,102,226 shares directly and 44,930 shares indirectly by trust. The filing notes short-swing profits of $148,255.06 were remitted to the Company under Section 16(b) in connection with a prior sale of 5,000 shares on September 2, 2025.
Upstart Holdings, Inc. filed its Q3 2025 report, showing a sharp rebound in results. Total revenue reached $277.105 million, up from $162.140 million a year ago, driven by platform and referral fees of $216.882 million and servicing and other fees of $41.657 million. Interest income/expense and fair value adjustments contributed $18.566 million net.
Operating income was $23.666 million versus a prior-year loss, and net income was $31.805 million with diluted EPS of $0.23 (basic $0.33). Operating expenses totaled $253.439 million.
As of September 30, 2025, total assets were $2.904,848 million, liabilities $2.161,130 million, and stockholders’ equity $743.718 million. Cash and cash equivalents were $489.784 million and restricted cash $347.121 million. Loans at fair value stood at $1,229.976 million. For the nine months, operating cash flow used $256.277 million, investing used $308.909 million, and financing provided $425.828 million. Shares outstanding were 97,286,484 as of October 28, 2025.
Upstart Holdings, Inc. furnished an 8-K announcing results for the fiscal quarter ended September 30, 2025. A detailed press release is attached as Exhibit 99.1. The company references non-GAAP financial measures, with reconciliations provided in the press release. The information in this report, including Exhibit 99.1, is furnished and not deemed filed under the Exchange Act.
Upstart (UPST) Chief Legal Officer reported a routine Form 4 transaction on 10/24/2025. The insider exercised 1,000 stock options at $13.22 and immediately sold 1,000 shares at a weighted average $55.0124, executed under a Rule 10b5-1 plan adopted May 30, 2025. Following these transactions, 123,148 shares were beneficially owned indirectly by the Darling Family Trust, and 197,527 options remained beneficially owned directly. Certain holdings include RSUs subject to vesting.
Upstart Holdings (UPST) filed an amended Form 4 to correct a prior report by adding a previously omitted gift of 750 shares on February 28, 2025 (transaction code G at $0). The reporting person is the company’s Chief Legal Officer.
Following the gift, the filing lists 149,379 shares beneficially owned as of February 28, 2025, with ownership shown as Direct. The amendment states the omission was unintentional and updates total beneficial ownership accordingly.
Citadel-affiliated entities and Kenneth Griffin report shared ownership of
Upstart Holdings insider Scott Darling notified the SEC of a proposed sale under Rule 144 for 1,000 common shares to be sold through Charles Schwab on 10/01/2025 on NASDAQ with an aggregate market value of $54,640. The shares were acquired and are being disposed of on 10/01/2025 via an employee stock option exercise and a cashless broker payment. The filing lists multiple prior insider sales by Scott Darling between 07/01/2025 and 09/17/2025, including transactions of 2,000; 5,000; 5,000; 4,000; 6,853; 6,402; 4,000; and 1,000 shares with corresponding gross proceeds shown for each sale.
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