Upstart (NASDAQ: UPST) officer plans 913-share Rule 144 sale

Rhea-AI Filing Summary

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.

Key Figures

Shares to be sold: 913 shares Aggregate market value of shares to be sold: $27,417.00 Shares sold on 05/26/2026: 974 shares +3 more

6 metrics

Shares to be sold 913 shares Common stock covered by the Rule 144 notice for planned sale

Aggregate market value of shares to be sold $27,417.00 Market value associated with the 913 shares listed for sale

Shares sold on 05/26/2026 974 shares Prior sale by Natalia Mirgorodskaya of Upstart Holdings, Inc. common stock

Proceeds on 05/26/2026 sale $28,236.00 Aggregate amount received for 974 shares sold on 05/26/2026

Shares sold on 08/20/2026 586 shares Prior sale by Natalia Mirgorodskaya of Upstart Holdings, Inc. common stock

Proceeds on 08/20/2026 sale $16,461.00 Aggregate amount received for 586 shares sold on 08/20/2026

Key Terms

Rule 144, Restricted Stock Lapse, Equity Compensation

3 terms

Rule 144 regulatory

"See the definition of "person" in paragraph (a) of Rule 144."

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

"Common | 08/20/2026 | Restricted Stock Lapse | Upstart Holdings, Inc."

Equity Compensation financial

"913 | 08/20/2026 | 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.

FAQ

What is being reported for UPST in this Form 144 filing?

The filing reports a planned sale under Rule 144 by officer Natalia Mirgorodskaya of 913 shares of Upstart Holdings, Inc. common stock, to be sold through Charles Schwab on NASDAQ, with an indicated aggregate market value of $27,417.00.

How many UPST shares does Natalia Mirgorodskaya plan to sell?

Natalia Mirgorodskaya plans to sell 913 shares of Upstart Holdings, Inc. common stock. The filing lists an aggregate market value of these shares of $27,417.00 in connection with the planned Rule 144 sale through Charles Schwab.

What past UPST share sales are disclosed in this Form 144?

The notice discloses two prior sales: 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 attributed to Natalia Mirgorodskaya.

What is the source of the UPST shares being sold in this Form 144?

The 913 shares of Upstart Holdings, Inc. common stock covered by this notice are tied to a Restricted Stock Lapse and are described as related to Equity Compensation, indicating they originated from compensation awards.

Which broker is handling the planned UPST Rule 144 sale?

The planned sale of 913 shares of Upstart Holdings, Inc. common stock under Rule 144 is listed as being handled by Charles Schwab & Co., Inc., with trading to occur on NASDAQ according to the filing details.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 08/25/2026 - 04:11 PM Accepted by SEC EDGAR 08/25/2026 - 04:10 PM Learn about SEC filing dates

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	0001833851
Filer CCC	XXXXXXXX
Is this a LIVE or TEST Filing?	LIVE TEST
Submission Contact Information
Name
Phone
E-Mail Address

144: Issuer Information

Name of Issuer	Upstart Holdings, Inc.
SEC File Number	001-39797
Address of Issuer	220 PARK ROAD SUITE 500 BURLINGAME CALIFORNIA 94010
Phone	(650) 204-1000
Name of Person for Whose Account the Securities are To Be Sold	Mirgorodskaya Natalia
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	Officer

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	913	27417.00	97313046	08/25/2026	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	08/20/2026	Restricted Stock Lapse	Upstart Holdings, Inc.			913	08/20/2026	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 220 Park Road, Suite 500 Burlingame CA 94010	Upstart Holdings, Inc	05/26/2026	974	28236.00
NATALIA MIRGORODSKAYA 220 Park Road, Suite 500 Burlingame CA 94010	Upstart Holdings, Inc	08/20/2026	586	16461.00

144: Remarks and Signature

Remarks
Date of Notice	08/25/2026
Date of Plan Adoption or Giving of Instruction, If Relying on Rule 10b5-1	11/28/2025
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	NATALIA MIRGORODSKAYA
ATTENTION: Intentional misstatements or omission of facts constitute Federal Criminal Violations (See 18 U.S.C. 1001)