Upstart Holdings (NASDAQ: UPST) Form 144 shows 866-share resale after lapse

Rhea-AI Filing Summary

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).

Insights

Securities Compliance Specialist

Form 144 notifies a proposed resale of equity after a restricted stock lapse.

The filing lists a proposed sale of 866 common shares due to a Restricted Stock Lapse dated 02/20/2026, which is the operative event allowing the resale notice. Prior reported dispositions by Natalia Mirgorodskaya appear on 11/25/2025 (762 shares; 29063.00) and 02/20/2026 (633 shares; 18925.00).

Timing and dollar amounts are shown verbatim; the filing lists transaction details but does not state the planned method of sale or who will receive proceeds. Subsequent SEC filings or broker reports would show execution details if and when trades occur.

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	866	24932.00	98061276	02/25/2026	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	02/20/2026	Restricted Stock Lapse	Upstart Holdings, Inc.			866	02/20/2026	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.	11/25/2025	762	29063.00
NATALIA MIRGORODSKAYA 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403	Upstart Holdings, Inc.	02/20/2026	633	18925.00

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

What does Upstart's Form 144 for UPST report?

The form reports a proposed resale of 866 common shares due to a Restricted Stock Lapse dated 02/20/2026. It also lists prior sales by Natalia Mirgorodskaya on 11/25/2025 and 02/20/2026 with amounts shown.

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

The filing lists Natalia Mirgorodskaya as the reporting person associated with recent transactions. The form shows her prior sales of 762 and 633 shares on the dates provided and the proposed 866-share resale.

When is the restricted stock lapse enabling the sale in the UPST filing?

The restricted stock lapse is dated 02/20/2026, which the filing identifies as the event tied to the proposed resale. That date is shown alongside the listed 866 shares to be sold.

What dollar amounts are shown in the Form 144 for UPST transactions?

The excerpt shows numeric values of 29063.00 tied to the 11/25/2025 sale and 18925.00 tied to the 02/20/2026 sale. The form lists these amounts verbatim without describing proceeds recipients.