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, Inc. (UPST) Rule 144 notice: A holder (David Girouard) reported proposed and recent sales of common stock. The filing shows a proposed sale of 41,667 shares on 09/15/2025 through Charles Schwab, with an aggregate market value of $2,705,545 and 96,217,742 shares outstanding. The same holder completed three prior sales of 41,667 shares each on 06/20/2025, 07/15/2025, and 08/15/2025, generating gross proceeds of $2,501,984, $3,127,831, and $2,636,434, respectively. The acquisition and proposed sale on 09/15/2025 arose from an employee stock option exercise with a cashless exercise through a broker.
Scott Darling, Chief Legal Officer of Upstart Holdings, Inc. (UPST), reported contemporaneous option exercise and sale transactions effected under a Rule 10b5-1 trading plan adopted May 30, 2025. On 09/03/2025 he exercised an employee stock option with a $13.22 exercise price for 4,000 shares and immediately sold 4,000 shares in multiple transactions at a weighted average price of $69.4134. Following these transactions the reporting person held 123,898 shares of common stock and beneficial ownership of 200,527 options. The Form 4 notes that some holdings are restricted stock units subject to vesting and that option vesting occurs monthly per the original grant schedule. The filing was signed by Steven Madrid by power of attorney on 09/05/2025.
Gu Paul, Chief Technology Officer and director of Upstart Holdings, Inc. (UPST), reported option exercises and open-market sales on 09/02/2025. The reporting person exercised two employee stock options for 2,500 shares each at exercise prices of $3.80 and $8.88, increasing option-derived holdings. Concurrently, the reporting person sold 2,663 and 2,337 shares in separate transactions at weighted-average prices of $68.3518 and $68.9082, respectively. After these transactions the report shows beneficial ownership of 1,147,156 shares.
The Form 4 discloses the trades were effected under a Rule 10b5-1 trading plan adopted on May 21, 2025, notes certain holdings are restricted stock units, and confirms the reported options were fully vested and exercisable as of the transaction date.
Natalia Mirgorodskaya, Chief Accounting Officer and Controller of Upstart Holdings, Inc. (UPST), reported a sale of 1,439 shares of common stock on 09/02/2025 at a price of $69.21 per share. The filing states the sale was made pursuant to a Rule 10b5-1 trading plan adopted May 30, 2025. Following the transaction, the reporting person beneficially owned 21,081 shares, some of which are restricted stock units (RSUs) that convert to common stock upon vesting.
Kerry Whorton Cooper, a director of Upstart Holdings, Inc. (UPST), reported a sale of common stock on 09/02/2025. The filing shows 500 shares sold at $69.21 per share pursuant to a Rule 10b5-1 trading plan adopted August 29, 2024. After the sale, the reporting person beneficially owns 25,434 shares indirectly through the Edward and Kerry Cooper Living Trust and holds 4,314 restricted stock units (RSUs) that convert to common stock upon vesting. The Form 4 was signed by power of attorney on 09/04/2025.
Upstart Holdings, Inc. (UPST) Form 144 notifies the proposed sale of 4,000 common shares on 09/03/2025 through Charles Schwab & Co., Inc., with an aggregate market value of $277,654.00. The filer acquired these shares the same day via an employee stock option exercise and used a broker payment for cashless exercise. The filing lists the seller as Scott Darling and shows multiple prior sales by the same person between 06/03/2025 and 08/25/2025, with individual gross proceeds reported for each transaction. The filing reports 96,217,742 shares outstanding.
Form 144 notice filed for Upstart Holdings, Inc. (UPST) indicating a proposed sale of 1,439 common shares valued at $99,593 through Charles Schwab & Co., Inc. on 09/02/2025 on NASDAQ. The filer reports three prior Employee Stock Purchase Plan (ESPP) acquisitions: 1 share on 08/15/2023, 755 shares on 02/15/2024, and 683 shares on 02/15/2025, all paid in cash. The filing also discloses recent sales by the same person totaling 13,366 shares for gross proceeds of $967,528 across six transactions between 07/02/2025 and 08/25/2025. The notice includes the required representation that the seller is not aware of undisclosed material adverse information about the issuer.
Upstart Holdings, Inc. (UPST) Form 144 notice reports a proposed sale of 500 shares of common stock through Charles Schwab & Co., Inc. for an aggregate market value of $34,605.00 with an approximate sale date of 09/02/2025 on NASDAQ. The 500 shares were acquired on 05/18/2023 from Upstart Holdings, Inc. upon a restricted stock lapse and were received as equity compensation. The filer previously sold 500 shares on 06/02/2025 for $23,460.00. The filing shows 96,217,742 shares outstanding for the issuer, indicating the proposed sale is a very small fraction of total shares outstanding. The notice includes the standard representation that the seller is not aware of undisclosed material adverse information.
Upstart Holdings, Inc. (UPST) filed a Form 144 notifying the proposed sale of 5,000 shares of common stock held after a stock option exercise. The shares have an aggregate market value of $343,059.50 based on the filing and represent a small fraction of the 96,217,742 shares outstanding. The filing states the shares were acquired by exercise on 09/02/2025 from Upstart Holdings, Inc. and that payment was made by wire on the same date. No other sales in the past three months were reported and the notice affirms the seller is not aware of undisclosed material adverse information.
Upstart Holdings insider sale by Chief Legal Officer: Scott Darling sold 6,402 shares of Upstart common stock on 08/25/2025 at $68 per share under a previously adopted Rule 10b5-1 trading plan. After the reported sale, the reporting person beneficially owned 123,898 shares, some of which are restricted stock units that vest according to their schedules. The Form 4 notes the transaction was executed pursuant to a 10b5-1 plan adopted on November 27, 2024, and the sale was reported by power of attorney.
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