Upstart Holdings, Inc. filings document the operating results, governance and capital structure of an AI lending marketplace listed on the Nasdaq Global Select Market under UPST. Its 8-K reports include quarterly and annual financial results, non-GAAP reconciliations, share repurchase activity, executive appointments and compensation arrangements, and material definitive agreements.
Proxy materials describe annual meeting matters such as director elections, stockholder voting procedures, board governance and executive compensation. Capital-structure filings include common stock disclosures and convertible senior notes issued under an indenture, including conversion, maturity, reporting-compliance and other note terms.
Upstart Holdings, Inc. (UPST) said its wholly owned subsidiary Upstart Network, Inc. entered a senior secured revolving facility of up to $200 million under an agreement with MUFG Bank, Ltd. and other lenders; MUFG is administrative agent, collateral agent and lender. Proceeds will be used for general corporate purposes, Upstart Bank’s initial capitalization and other permitted investments. Outstanding loans must be repaid with proceeds from certain affiliate loan sales to Upstart Bank, expected shortly after it opens; the bank’s opening and timing remain subject to required regulatory approvals.
Interest is Term SOFR plus an initial 3.00% margin, subject to a leverage-based range of 2.75% to 3.25%. Maturity is the earliest of 364 days after closing, 45 days after initial capitalization, or full payment of loans, accrued interest and fees and termination of commitments. The company and certain subsidiaries guarantee the facility; first-priority liens cover substantially all assets of the borrower, guarantors and certain non-guarantor trust pledgors. Upstart Bank and certain other subsidiaries are excluded from guarantees, and their equity interests and assets are excluded from collateral. Covenants require minimum liquidity of $100.0 million, at least $300.0 million in consolidated eligible assets plus liquidity above $100.0 million, and a maximum consolidated secured gross leverage ratio of 2.50 to 1.00.
Upstart Holdings, Inc. (UPST) reported that Chief Executive Officer and director Paul Gu purchased 50,000 shares of common stock on September 10, 2026, in open-market or private transactions at a weighted average price of $25.55 per share, through JECCO, LLC, an entity he manages. Following this transaction, JECCO, LLC holds 130,000 shares indirectly for him, and he also holds 1,102,616 shares directly, a portion of which are restricted stock units.
Upstart Holdings, Inc. executive Sanjay Datta (President, Capital & Enterprise) reported an option exercise-and-sale transaction. On September 8, 2026, he exercised 300,000 Employee Stock Options at an exercise price of $1.35 per share into Common Stock, then sold 116,000 shares of Common Stock at a weighted average price of $27.2948 per share in multiple trades. The option footnote states all shares under the option were fully vested and exercisable, and 302,607 options remain held directly after the exercise. The filing indicates no Rule 10b5-1 trading plan.
Upstart Holdings, Inc. (UPST) received a notice under Rule 144 that officer Sanjay Datta intends to sell 116,000 shares of common stock through Charles Schwab & Co., Inc., with an indicated aggregate market value of $3,166,196, in connection with an employee stock option cashless exercise dated September 8, 2026.
The notice also lists prior sales of Upstart common stock by Sanjay Datta over the past three months, including transactions on June 9, 2026, August 17, 2026, August 19, 2026, and August 20, 2026.
Upstart Holdings, Inc. (UPST) reported an insider sale by Chief Accounting Officer and Controller Natalia Mirgorodskaya. On August 25, 2026, she sold 913 shares of common stock in an open-market or private transaction at $30.03 per share. The transaction was executed under a Rule 10b5-1 trading plan adopted on November 28, 2025. After the sale, she directly held 35,875 shares, and a portion of this balance consists of restricted stock units that vest over time.
Upstart Holdings, Inc. (UPST) is the issuer for a planned sale of its common stock reported by officer Natalia Mirgorodskaya under Rule 144. The notice covers 913 shares of common stock to be sold through Charles Schwab on NASDAQ, with an aggregate market value of $27,417.00 as of the filing details. The shares arise from a Restricted Stock Lapse and are related to equity compensation.
The filing also lists sales during the prior three months: on 05/26/2026, 974 shares of Upstart Holdings, Inc. were sold for $28,236.00, and on 08/20/2026, 586 shares were sold for $16,461.00, both by Natalia Mirgorodskaya.
Upstart Holdings, Inc. (UPST) reported insider transactions by Sanjay Datta, President, Capital & Enterprise. On August 19, 2026, he sold 10,000 shares of common stock in open-market transactions at a weighted average price of $31.4633 per share. On August 20, 2026, he sold 8,945 shares at a weighted average price of $28.0937 per share, and the company states these shares were sold to cover tax withholding obligations related to vesting restricted stock units (RSUs), some of which remain subject to vesting conditions.
Upstart Holdings, Inc. (UPST) reported an insider transaction by Chief Legal Officer Scott Darling. On 2026-08-20, he sold 7,696 shares of common stock at a weighted average price of $28.0946 per share to cover tax withholding obligations related to vesting RSUs. Following this, he held 73,306 shares directly, including RSUs, and 46,610 shares indirectly through the Darling Family Trust, which reflects a deposit of 6,184 shares into the trust. The filing indicates the transaction was not made pursuant to a Rule 10b5-1 trading plan.
Upstart Holdings, Inc. (UPST) reported that Chief Accounting Officer and Controller Natalia Mirgorodskaya sold 586 shares of Common Stock on August 20, 2026 at a weighted average price of $28.0899 per share. The sale was made to cover tax withholding obligations from vesting RSUs, and she now holds 36,788 shares, including RSUs.
Upstart Holdings, Inc. (UPST) insider Natalia Mirgorodskaya, an officer, filed a notice under Rule 144 indicating an intent to sell 586 shares of common stock through Charles Schwab & Co., Inc. on 08/20/2026 on NASDAQ. The shares relate to equity compensation, with remarks stating they are sold to cover tax obligations from the settlement of vested Restricted Stock Units.
Within the prior three months, Mirgorodskaya reported additional sales of 526 shares on 05/20/2026 and 974 shares on 05/26/2026, all in Upstart Holdings, Inc. common stock.