Upstart (UPST) Rule 144 notice: restricted stock lapse and recent insider dispositions

Rhea-AI Filing Summary

Upstart Holdings notice under Rule 144: an affiliate submitted a notice to sell restricted shares following a restricted stock lapse dated 05/20/2026. The filing lists three reported dispositions in the prior three months: 633, 866, and 390 shares on 02/20/2026, 02/25/2026, and 03/02/2026, respectively.

Key Figures

Restricted stock lapse date: 05/20/2026 Prior disposition - 02/20/2026: 633 shares Prior disposition - 02/25/2026: 866 shares +2 more

5 metrics

Restricted stock lapse date 05/20/2026 Securities to be sold entry

Prior disposition - 02/20/2026 633 shares Reported sale on 02/20/2026 with dollar amount 18925.00

Prior disposition - 02/25/2026 866 shares Reported sale on 02/25/2026 with dollar amount 24932.00

Prior disposition - 03/02/2026 390 shares Reported sale on 03/02/2026 with dollar amount 10148.00

Broker Charles Schwab & Co., Inc. Listed under filer/broker information

Key Terms

Rule 144, Restricted Stock Lapse, Equity Compensation, Form 144

4 terms

Rule 144 regulatory

"Restricted Stock Lapse - See Remarks"

Rule 144 is a U.S. securities regulation that sets conditions under which restricted or insider-held shares can be legally resold to the public, such as required holding periods, availability of public information, limits on how much can be sold at once, and certain filing requirements. For investors it matters because it determines when previously locked-up shares can enter the market — like a release valve that can increase supply, affect share price, and signal insider intent.

Restricted Stock Lapse financial

"Securities To Be Sold | Restricted Stock Lapse - See Remarks"

Equity Compensation financial

"05/20/2026 | Equity Compensation"

Equity compensation is pay given to employees, executives or contractors in the form of company ownership—such as stock, stock options or restricted shares—rather than just cash. It matters to investors because it can align workers' incentives with shareholders (like paying someone in slices of the same pie they help grow), but it also increases the number of shares outstanding and company expenses, affecting ownership percentages and earnings per share.

Form 144 regulatory

"form_type: 144"

Form 144 is a document that investors must file with the government when they plan to sell a large number of shares of a company's stock. It helps ensure transparency so everyone knows how many shares are being sold and when, which can impact the stock's price.

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	526	15134.00	95711569	05/20/2026	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	05/20/2026	Restricted Stock Lapse - See Remarks	Upstart Holdings, Inc.			526	05/20/2026	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.	02/20/2026	633	18925.00
NATALIA MIRGORODSKAYA 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403	Upstart Holdings, Inc	02/25/2026	866	24932.00
NATALIA MIRGORODSKAYA 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403	Upstart Holdings, Inc	03/02/2026	390	10148.00

144: Remarks and Signature

Remarks

Date of Notice

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

What does the UPST Form 144 filing disclose?

The filing discloses a proposed sale tied to a restricted stock lapse dated 05/20/2026. It also lists three prior dispositions of 633, 866, and 390 shares on 02/20/2026, 02/25/2026, and 03/02/2026.

Who is the selling party named in the UPST Form 144?

The filing shows transactions associated with Natalia Mirgorodskaya at the address on file and lists Charles Schwab & Co., Inc. as the broker. The document links the sales to equity compensation and a restricted stock lapse.

How many shares were sold in the prior three months per the filing?

The filing reports three dispositions totaling 1,889 shares in the prior three months: 633, 866, and 390 shares on the listed dates. Dollar totals are shown alongside each transaction in the excerpt.

What date is associated with the proposed sale under Rule 144 for UPST?

The proposed sale is tied to a restricted stock lapse dated 05/20/2026. The excerpt labels the transaction type as Equity Compensation and lists the same date next to the securities-to-be-sold entry.