Upstart (NASDAQ: UPST) officer sells 974 common shares at $28.99

Rhea-AI Filing Summary

Upstart Holdings, Inc. officer Natalia Mirgorodskaya reported an open-market sale of Common Stock. On May 26, 2026, she sold 974 shares at a price of $28.99 per share.

After this transaction, she directly holds 37,374 shares of Upstart Holdings, Inc. common stock.

Insider Trade Summary 10b5-1

Net Seller: 974 shares ($28,236)

Net Sell 1 txn

Insider Mirgorodskaya Natalia

Role See Remarks

Sold 974 shs ($28K)

Type	Security	Shares	Price	Value
Sale	Common Stock	974	$28.99	$28K

Holdings After Transaction: Common Stock — 37,374 shares (Direct, null)

Footnotes (1)

Key Figures

Shares sold: 974 shares Sale price: $28.99 per share Shares held after transaction: 37,374 shares

3 metrics

Shares sold 974 shares Open-market sale of Common Stock on May 26, 2026

Sale price $28.99 per share Price received for each share sold in the transaction

Shares held after transaction 37,374 shares Direct ownership of Upstart Common Stock following the sale

Key Terms

Common Stock, open-market sale, direct ownership

3 terms

Common Stock financial

"The transaction involved 974 shares of Upstart Holdings, Inc. Common Stock."

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

open-market sale financial

"The filing describes the transaction as an open-market sale of Common Stock."

An open-market sale is when a shareholder sells existing shares directly on a public exchange to any willing buyer, rather than through a private deal. Think of it like putting goods on a busy market stall where price is set by supply and demand; for investors it matters because such sales increase available supply, can put short-term downward pressure on the stock price, and signal changes in liquidity or investor confidence.

direct ownership financial

"After the sale, she directly holds 37,374 shares of Common Stock."

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

X

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Mirgorodskaya Natalia

(Last) (First) (Middle)

C/O UPSTART HOLDINGS, INC.

2950 S. DELAWARE STREET, SUITE 410

(Street)

SAN MATEO CALIFORNIA 94403

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Upstart Holdings, Inc. [ UPST ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	See Remarks

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/26/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	05/26/2026		S		974	D	$28.99	37,374	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

Chief Accounting Officer and Controller

	/s/ Steven Madrid, by power of attorney	05/27/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did Upstart Holdings (UPST) report for Natalia Mirgorodskaya?

Upstart Holdings reported that officer Natalia Mirgorodskaya sold 974 shares of Common Stock in an open-market transaction. This sale was reported on a Form 4 and reflects routine insider trading disclosure requirements for company officers.

At what price did Natalia Mirgorodskaya sell Upstart (UPST) shares?

Natalia Mirgorodskaya sold 974 shares of Upstart Common Stock at $28.99 per share. This price reflects the sale consideration per share for the open-market transaction disclosed in the Form 4 filing for May 26, 2026.

How many Upstart (UPST) shares does Natalia Mirgorodskaya hold after this sale?

Following the reported sale, Natalia Mirgorodskaya directly holds 37,374 shares of Upstart Common Stock. This figure, disclosed in the Form 4, represents her direct ownership after selling 974 shares in the open market.

What type of transaction was reported in the Upstart (UPST) Form 4 filing?

The filing reports an open-market sale of Upstart Common Stock, coded as a sale transaction. This indicates the shares were sold on the open market or in a private sale, consistent with standard insider trade reporting requirements.

Does the Upstart (UPST) Form 4 show any option exercises or derivative trades?

The Form 4 data shows no derivative transactions for this filing. It reports only a single non-derivative transaction: the open-market sale of 974 shares of Upstart Common Stock by officer Natalia Mirgorodskaya on May 26, 2026.