Upstart Holdings Form 144: Proposed common stock sale

Upstart Holdings: Form 144 filed reporting a proposed sale of common stock by Natalia Mirgorodskaya.

Rhea-AI Filing Summary

Upstart Holdings: Form 144 filed reporting a proposed sale of common stock by Natalia Mirgorodskaya. The notice lists a proposed sale date of 02/20/2026 routed through Charles Schwab & Co., Inc. It also records prior sales on 11/20/2025 (821) and 11/25/2025 (762).

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What does the UPST Form 144 disclose about the proposed transaction?

The Form 144 discloses a proposed sale of Upstart common stock by Natalia Mirgorodskaya on 02/20/2026. The filing names Charles Schwab & Co., Inc. as the broker and identifies the security class as common stock.

Who is the reporting person on the UPST Form 144?

The reporting person is Natalia Mirgorodskaya. The filing shows her name and address and links the proposed sale to her as the seller of Upstart common stock listed in the notice.

Does the filing show any recent past sales for UPST by the same person?

Yes. The notice records sales on 11/20/2025 with the figure 821 and on 11/25/2025 with the figure 762. These entries appear under 'Securities Sold During The Past 3 Months.'

Which broker is listed on the UPST Form 144 and what address is shown?

The broker listed is Charles Schwab & Co., Inc. with an address at 3000 Schwab Way, Westlake TX 76262. The filing associates the broker with the proposed sale dated 02/20/2026.

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Accepted by SEC EDGAR 02/20/2026 - 04:08 PM EST 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	2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CALIFORNIA 94403
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	633	18925.00	98061276	02/20/2026	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	02/20/2026	Restricted Stock Lapse - See Remarks	Upstart Holdings, Inc.			633	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.	11/20/2025	821	30063.00
NATALIA MIRGORODSKAYA 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403	Upstart Holdings, Inc.	11/25/2025	762	29063.00

144: Remarks and Signature

Remarks	Shares sold to cover tax obligation from settlement of vested Restricted Stock Units.
Date of Notice	02/20/2026
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)