Welcome to our dedicated page for Upstart Holdings SEC filings (Ticker: UPST), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to SEC filings for Upstart Holdings, Inc. (NASDAQ: UPST), an AI lending marketplace that connects consumers with banks and credit unions for personal, auto, and home equity credit products. Through these filings, investors can review how Upstart reports its financial performance, capital structure, and key operating metrics.
Upstart’s annual reports on Form 10-K and quarterly reports on Form 10-Q describe its business model, revenue from platform and referral fees and servicing and other fees, interest income and fair value adjustments on loans, and definitions of metrics such as transaction volume, conversion rate, contribution profit, Adjusted EBITDA, and Adjusted Net Income. These documents also discuss risks related to funding, macroeconomic conditions, and operating in a highly regulated industry.
Current reports on Form 8-K highlight material events, including quarterly earnings releases, corrections to non-GAAP per-share figures, and the entry into material definitive agreements. For example, an 8-K describes Upstart’s issuance of 0% Convertible Senior Notes due 2032, detailing the terms of the notes, conversion features, redemption provisions, events of default, and the company’s use of proceeds, including capped call transactions and repurchases of earlier convertible notes.
Investors interested in capital structure and potential dilution can use these filings to analyze Upstart’s outstanding convertible notes and related hedging arrangements. Filings also reference securitizations and other loan funding mechanisms that support the company’s AI lending marketplace.
Stock Titan’s platform supplements these documents with AI-powered summaries that explain complex sections of 10-Ks, 10-Qs, and 8-Ks, highlight important changes from prior periods, and surface information on funding arrangements and key metrics. Real-time updates from EDGAR, along with structured access to Forms 3, 4, and 5 for insider transactions when available, help users follow how Upstart’s disclosures evolve over time.
Upstart Holdings insider reported sales of common stock. Natalia Mirgorodskaya sold 633 shares on 02/20/2026 and 866 shares on 02/25/2026, effected through Charles Schwab & Co., Inc. The filings list proceeds of $18,925.00 and $24,932.00 for the respective transactions.
Upstart Holdings, Inc. officer Natalia Mirgorodskaya sold 866 shares of common stock in an open-market transaction at $28.79 per share. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan adopted on May 30, 2025.
After this sale, she held 25,289 shares of Upstart common stock, some of which are in the form of restricted stock units that convert into shares only if their vesting conditions are met.
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).
Upstart Holdings, Inc. Chief Financial Officer Sanjay Datta reported an open-market sale of 7,982 shares of common stock on February 20, 2026. The shares were sold at a weighted average price of $29.8641 per share to cover tax withholding obligations related to the vesting of restricted stock units.
After this transaction, Datta directly owns 276,688 shares of Upstart common stock. This amount includes 390 shares acquired on February 13, 2026 under the company’s 2020 Employee Stock Purchase Plan, as well as restricted stock units that convert into common shares as they vest.
Upstart Holdings, Inc. officer Natalia Mirgorodskaya reported an open-market sale of 633 shares of common stock on February 20, 2026 at a weighted-average price of $29.8971 per share. According to the filing, the sale was made to cover tax withholding obligations from vesting restricted stock units, and she continued to hold 26,155 shares afterward.
Upstart Holdings' Chief Legal Officer Scott Darling reported insider transactions involving company common stock. Entities associated with him sold a net 6,868 shares on February 20, 2026, with open-market sales priced around $29.854 and $30.25 per share.
Footnotes state that part of the sale was to cover tax withholding from vesting restricted stock units, and that one sale was executed under a pre-arranged Rule 10b5-1 trading plan adopted on May 30, 2025. Other zero-price entries reflect a change in ownership form, moving 6,638 shares between direct holdings and the Darling Family Trust.
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).
Upstart Holdings, Inc. reported a Form 144 notice concerning proposed sales of its common stock by an insider. The filing lists 13,624 shares sold during the three months ended 11/20/2025 for $498,328. The filing also shows 7,982 shares tied to a restricted stock lapse dated 02/20/2026.
Upstart Holdings, Inc. submitted a Form 144 notice to sell 6,478 shares related to a Restricted Stock Lapse dated 02/20/2026.
Including prior reported transactions: Scott Darling sold 7,723 shares on 11/20/2025 and 7,392 shares on 12/12/2025. Shares outstanding were 98,061,276 as of 02/20/2026.
Scott Darling submitted a Form 144 reporting a proposed sale of 390 common shares of Upstart Holdings via an ESPP transaction dated 02/17/2026. The filing also lists prior insider sales: 7,723 shares on 11/20/2025 for $282,479, 7,392 shares on 12/12/2025 for $3,696,000, and 1,000 shares on 01/05/2026 for $50,000.