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.
Upstart Holdings thrives on algorithms, not branches, which means its SEC disclosures overflow with loss-curve graphs, bank-fee tables and machine-learning jargon. If tracing model accuracy or partner-bank concentration through hundreds of pages feels daunting, you’re not alone. Stock Titan turns that challenge into clarity, making “Upstart SEC filings explained simply” more than a promise.
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Form 4 snapshot: On 06/20/2025, Upstart Holdings, Inc. (UPST) Chief Executive Officer and 10% owner Dave Girouard exercised 41,667 fully-vested options at an exercise price of $0.83 and, under a previously adopted Rule 10b5-1 trading plan, sold the same 41,667 common shares at a weighted-average price of $60.0471.
Transaction value: The exercise cost was roughly $34.6 k, while the sale generated about $2.5 million in gross proceeds, locking in an approximate $59.22 per-share gain.
Ownership impact: Direct holdings declined to 52,614 shares. However, Girouard still controls approximately 10.69 million shares through a series of family trusts and retains 960,076 additional vested options. The reported sale therefore represents well under 1 % of his total beneficial ownership, leaving his economic exposure largely intact.
Investor considerations:
- The modest size relative to overall stake and the use of a 10b5-1 plan mitigate signalling risk typically associated with insider sales.
- No new shares were issued; the exercised options were already accounted for in the fully-diluted share count, so dilution is immaterial.
- While recurring insider selling can pressure sentiment, the CEO’s remaining double-digit percentage stake continues to align management incentives with shareholder value.
Upstart Holdings (UPST) Chief Technology Officer and Director Paul Gu reported significant insider trading activity on June 17, 2025. The transaction involved the exercise of employee stock options and acquisition of common stock:
- Exercised 25,000 employee stock options at $3.80 per share
- Acquired 25,000 shares of common stock at $3.80 per share
- Following the transaction, Gu owns 1,147,156 shares directly
- Retains 45,000 unexercised stock options expiring March 29, 2029
The exercised options were fully vested at the time of execution. The transaction was executed under Form 4 filing requirements for corporate insiders. Some of Gu's holdings include restricted stock units (RSUs) subject to vesting schedules. The filing was signed by Jessica Jeong via power of attorney on June 20, 2025.
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