Upstart Holdings (NASDAQ: UPST) CAO sells 913 shares in 10b5-1 plan trade

Rhea-AI Filing Summary

Upstart Holdings, Inc. (UPST) reported an insider sale by Chief Accounting Officer and Controller Natalia Mirgorodskaya. On August 25, 2026, she sold 913 shares of common stock in an open-market or private transaction at $30.03 per share. The transaction was executed under a Rule 10b5-1 trading plan adopted on November 28, 2025. After the sale, she directly held 35,875 shares, and a portion of this balance consists of restricted stock units that vest over time.

Insider Trade Summary 10b5-1

Net Seller: 913 shares

Net Sell 1 txn

Insider Mirgorodskaya Natalia

Role See Remarks

Sold 913 shs ($27K)

Type	Security	Shares	Price	Value
Sale	Common Stock F1, F2	913	$30.03	$27K

Holdings After Transaction: Common Stock — 35,875 shares (Direct)

Footnotes (2)

1. F1. The sale reported on this Form 4 was effected pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on November 28, 2025.
2. F2. Certain of these securities are restricted stock units (RSUs). Each RSU represents a contingent right to receive one share of Common Stock, subject to the applicable vesting schedule and conditions of each RSU.

Key Figures

Shares sold: 913 shares of Common Stock Sale price per share: $30.03 per share Shares owned after transaction: 35,875 shares +1 more

4 metrics

Shares sold 913 shares of Common Stock Non-derivative sale on August 25, 2026

Sale price per share $30.03 per share Price for the 913 shares sold on August 25, 2026

Shares owned after transaction 35,875 shares Direct holdings following the reported sale; includes certain RSUs

Rule 10b5-1 plan adoption date November 28, 2025 Trading plan under which the August 25, 2026 sale was effected

Key Terms

Rule 10b5-1 trading plan, restricted stock units (RSUs), contingent right

3 terms

Rule 10b5-1 trading plan regulatory

"The sale ... was effected pursuant to a Rule 10b5-1 trading plan"

A Rule 10b5-1 trading plan is a pre-arranged schedule that allows company insiders to buy or sell stock at specific times, even if they have inside information. It helps prevent accusations of unfair trading by making these transactions look planned and transparent, rather than sneaky or illegal.

restricted stock units (RSUs) financial

"Certain of these securities are restricted stock units (RSUs)."

Restricted stock units (RSUs) are a type of company promise to give employees shares of stock in the future, usually after certain conditions like working for a set time. They are like a gift promised today that you receive later, which can become valuable if the company's stock price goes up. RSUs matter because they are a way companies reward employees and can be a significant part of compensation.

contingent right financial

"Each RSU represents a contingent right to receive one share"

FAQ

What insider transaction did UPST report for Natalia Mirgorodskaya?

UPST reported that Chief Accounting Officer and Controller Natalia Mirgorodskaya sold 913 shares of common stock on August 25, 2026 in a sale classified as an open-market or private transaction.

At what price were the UPST shares sold in this Form 4 filing?

The reported sale price was $30.03 per share for the 913 shares of Upstart Holdings, Inc. common stock sold by Natalia Mirgorodskaya on August 25, 2026.

How many UPST shares does Natalia Mirgorodskaya hold after this transaction?

After the reported sale, Natalia Mirgorodskaya directly held 35,875 shares of Upstart Holdings, Inc. common stock, which includes certain shares represented by restricted stock units (RSUs) that vest over time.

Was the UPST insider sale made under a Rule 10b5-1 trading plan?

Yes. The filing states that the sale was effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on November 28, 2025, indicating it was executed under a pre-arranged trading framework.

What is the role of the insider involved in this UPST Form 4?

The reporting person, Natalia Mirgorodskaya, serves as Upstart Holdings, Inc.’s Chief Accounting Officer and Controller, as disclosed in the remarks section of the filing.

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 08/27/2026 - 06:00 PM Accepted by SEC EDGAR 08/27/2026 - 06:00 PM Learn about SEC filing dates

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.

220 PARK ROAD, SUITE 500

(Street)

BURLINGAME CALIFORNIA 94010

(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)
08/25/2026

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	08/25/2026		S(1)		913	D	$30.03	35,875(2)	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:

1. The sale reported on this Form 4 was effected pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on November 28, 2025.

2. Certain of these securities are restricted stock units (RSUs). Each RSU represents a contingent right to receive one share of Common Stock, subject to the applicable vesting schedule and conditions of each RSU.

Remarks:

Chief Accounting Officer and Controller

	/s/ Steven Madrid, by power of attorney	08/27/2026
	** 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)