[144] Upstart Holdings, Inc. Common stock SEC Filing

Rhea-AI Filing Summary

Upstart Holdings insider filing (Form 144): This notice records that Natalia Mirgorodskaya plans to sell 1,024 shares of Upstart Holdings, Inc. common stock on 08/25/2025 through Charles Schwab & Co., with an indicated aggregate market value of $69,632. The shares were acquired on 08/20/2025 due to a restricted stock lapse tied to equity compensation from Upstart Holdings, Inc. The filing lists total shares outstanding as 96,217,742. The document also discloses recent sales by the same person totaling 12,342 shares across dates in July and August 2025 generating aggregate gross proceeds shown in the table. The filer certifies no undisclosed material adverse information.

Insights

Securities Analyst

TL;DR: Routine insider sale following restricted stock lapse; size is immaterial relative to outstanding shares.

The filing documents a proposed sale of 1,024 shares valued at $69,632 and shows prior dispositions totaling 12,342 shares in July–August 2025. The 1,024-share planned sale equals approximately 0.00106% of the 96,217,742 shares outstanding and the aggregate recent sales represent roughly 0.01283% of outstanding shares. The shares were acquired on 08/20/2025 via a restricted stock lapse tied to equity compensation, and the sale will be executed through Charles Schwab & Co. This pattern is consistent with routine post-vesting disposals rather than a material change in insider sentiment.

Corporate Governance Expert

TL;DR: Disclosure meets Rule 144 requirements; filing includes standard attestations and recent sales history.

The Form 144 includes required seller identification, broker information, acquisition details (restricted stock lapse), and a recent three-month sales history by the same person. The filer signs the standard representation about lacking undisclosed material adverse information. There is no indication of a trading plan date or other 10b5-1 instruction in the visible form text. From a governance perspective, the submission appears complete for a Rule 144 notice and documents ordinary post-vesting sales activity.

Form 144 Filer Information	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 144 NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933
FORM 144

144: Filer Information

Filer CIK
Filer CCC
Is this a LIVE or TEST Filing?	LIVE TEST
Submission Contact Information
Name
Phone
E-Mail Address

144: Issuer Information

Name of Issuer

SEC File Number

Address of Issuer

Phone

Name of Person for Whose Account the Securities are To Be Sold

See the definition of "person" in paragraph (a) of Rule 144. Information is to be given not only as to the person for whose account the securities are to be sold but also as to all other persons included in that definition. In addition, information shall be given as to sales by all persons whose sales are required by paragraph (e) of Rule 144 to be aggregated with sales for the account of the person filing this notice.

Relationship to Issuer

144: Securities Information

Title of the Class of Securities To Be Sold	Name and Address of the Broker	Number of Shares or Other Units To Be Sold	Aggregate Market Value	Number of Shares or Other Units Outstanding	Approximate Date of Sale	Name the Securities Exchange
Common	Charles Schwab & Co., Inc. 3000 Schwab Way Westlake TX 76262	1024	69632.00	96217742	08/25/2025	NASDAQ

Furnish the following information with respect to the acquisition of the securities to be sold and with respect to the payment of all or any part of the purchase price or other consideration therefor:

144: Securities To Be Sold

Title of the Class	Date you Acquired	Nature of Acquisition Transaction	Name of Person from Whom Acquired	Is this a Gift?	Date Donor Acquired	Amount of Securities Acquired	Date of Payment	Nature of Payment *
Common	08/20/2025	Restricted Stock Lapse	Upstart Holdings, Inc.			1024	08/20/2025	Equity Compensation

* If the securities were purchased and full payment therefor was not made in cash at the time of purchase, explain in the table or in a note thereto the nature of the consideration given. If the consideration consisted of any note or other obligation, or if payment was made in installments describe the arrangement and state when the note or other obligation was discharged in full or the last installment paid.

Furnish the following information as to all securities of the issuer sold during the past 3 months by the person for whose account the securities are to be sold.

144: Securities Sold During The Past 3 Months

Name and Address of Seller	Title of Securities Sold	Date of Sale	Amount of Securities Sold	Gross Proceeds
NATALIA MIRGORODSKAYA 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403	Upstart Holdings, Inc.	07/02/2025	6533	457674.00
NATALIA MIRGORODSKAYA 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403	Upstart Holdings, Inc.	07/08/2025	4000	320270.00
NATALIA MIRGORODSKAYA 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403	Upstart Holdings, Inc.	08/01/2025	365	28457.00
NATALIA MIRGORODSKAYA 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403	Upstart Holdings, Inc.	08/20/2025	1079	65944.00
NATALIA MIRGORODSKAYA 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403	Upstart Holdings, Inc.	08/22/2025	365	25551.00

144: Remarks and Signature

Remarks

Date of Notice

Date of Plan Adoption or Giving of Instruction, If Relying on Rule 10b5-1

ATTENTION:

The person for whose account the securities to which this notice relates are to be sold hereby represents by signing this notice that he does not know any material adverse information in regard to the current and prospective operations of the Issuer of the securities to be sold which has not been publicly disclosed. If such person has adopted a written trading plan or given trading instructions to satisfy Rule 10b5-1 under the Exchange Act, by signing the form and indicating the date that the plan was adopted or the instruction given, that person makes such representation as of the plan adoption or instruction date.

Signature

ATTENTION: Intentional misstatements or omission of facts constitute Federal Criminal Violations (See 18 U.S.C. 1001)

FAQ

Who filed the Form 144 for Upstart (UPST)?

The filer is Natalia Mirgorodskaya, listed as the person for whose account the securities are to be sold.

How many Upstart (UPST) shares are planned for sale under this Form 144?

The notice reports a proposed sale of 1,024 common shares with an aggregate market value of $69,632 on 08/25/2025.

How were the shares being sold acquired?

The shares were acquired on 08/20/2025 through a restricted stock lapse originating from equity compensation from Upstart Holdings, Inc.

What recent sales by the same person are disclosed in the filing?

The filing lists sales on 07/02/2025 (6,533 shares), 07/08/2025 (4,000), 08/01/2025 (365), 08/20/2025 (1,079), and 08/22/2025 (365), totaling 12,342 shares with gross proceeds shown in the table.

Through which broker will the planned sale occur?

The planned sale is to be executed via Charles Schwab & Co., Inc. (address shown in the filing).