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) insider activity shows the company's Chief Accounting Officer exercised 365 stock options at an exercise price of $25.90 and then sold those 365 shares at a weighted average price of about $70.00. The reporting person also sold an additional 1,024 shares at $68.00. After these transactions the reporting person beneficially owned 22,520 shares of common stock and holds 2,947 vested employee stock options exercisable through August 31, 2032. Some shares counted in holdings are restricted stock units (RSUs), representing contingent rights to receive shares subject to vesting. The trades were executed pursuant to a Rule 10b5-1 trading plan.
Upstart Holdings insider filing (Form 144): This notice records that Natalia Mirgorodskaya plans to sell 1,024 shares of Upstart Holdings, Inc. common stock on 08/25/2025 through Charles Schwab & Co., with an indicated aggregate market value of $69,632. The shares were acquired on 08/20/2025 due to a restricted stock lapse tied to equity compensation from Upstart Holdings, Inc. The filing lists total shares outstanding as 96,217,742. The document also discloses recent sales by the same person totaling 12,342 shares across dates in July and August 2025 generating aggregate gross proceeds shown in the table. The filer certifies no undisclosed material adverse information.
Insider sale notice for Upstart Holdings, Inc. common stock filed under Rule 144. The filing shows a proposed sale of 6,402 shares through Charles Schwab & Co., with an aggregate market value of $435,336 and an outstanding share count listed as 96,217,742. The shares to be sold were acquired on 08/20/2025 via restricted stock lapse as equity compensation. The filer, Scott Darling, also reported multiple prior open-market sales over the past three months totaling 33,638 shares for gross proceeds of $2,159,838 across seven transactions. The notice includes the filer’s certification about absence of undisclosed material information.
Upstart Holdings, Inc. (UPST) reporting-person Natalia Mirgorodskaya disclosed a transaction on 08/20/2025 in which 1,079 shares of common stock were sold (transaction code S) at a weighted average price of $61.1156. The filing states the shares were sold to cover tax withholding obligations related to the vesting of restricted stock units (RSUs). After the sale, the reporting person is shown as beneficially owning 23,544 shares, some of which remain contingent RSUs subject to vesting conditions.
Upstart Holdings, Inc. (UPST) Form 4 by Scott Darling, Chief Legal Officer. The filing reports transactions dated 08/20/2025 in which the reporting person sold common stock in three transactions: 6,713 shares sold at a weighted average price of $61.1197, 1 share sold at $61.80, and 139 shares sold at $63.31, resulting in beneficial ownership of 130,300 shares following the reported trades. The filing clarifies the 6,713-share sale was to cover tax withholding on vested restricted stock units (RSUs) and that one of the sales was executed under a Rule 10b5-1 trading plan adopted on November 27, 2024. The reporting person also acquired 139 shares on August 15, 2025 under the company’s 2020 Employee Stock Purchase Plan, and some holdings shown are RSUs subject to vesting conditions.
Upstart Holdings, Inc. (UPST) filing a Form 144 notifies a proposed sale of 365 common shares through Charles Schwab & Co., Inc. on 08/22/2025, with an aggregate market value reported as $25,551.00. The shares were acquired the same day via an employee stock option exercise and the transaction is described as a cashless exercise with broker payment.
The filing also lists five prior sales by the same person, totaling 13,317 shares sold between 05/23/2025 and 08/20/2025 for aggregate gross proceeds of $931,560.00. The filing includes the represenation that the seller has no undisclosed material adverse information.
Upstart Holdings, Inc. (UPST) Form 4: Sanjay Datta, the company's Chief Financial Officer, reported a sale of 13,473 shares of Upstart common stock on 08/20/2025 at a weighted-average price of $61.1187 per share. The filing states the shares were sold to cover tax-withholding obligations arising from the vesting of restricted stock units (RSUs). After the reported transactions, the reporting person beneficially owns 297,904 shares, which include RSUs and 21 shares acquired on 08/15/2025 under the 2020 Employee Stock Purchase Plan. The sale was signed by a power of attorney on 08/22/2025.
Form 144 notice for Upstart Holdings, Inc. (UPST) reports a proposed sale of 1,079 common shares with an aggregate market value of $65,944, to be sold approximately on 08/20/2025 on NASDAQ. The shares were acquired the same day (08/20/2025) through a restricted stock lapse tied to equity compensation from Upstart Holdings, Inc. The filing also discloses prior dispositions by the same seller, Natalia Mirgorodskaya, totaling 13,002 shares sold across May–August 2025 for combined gross proceeds shown in the table. The filer affirms no undisclosed material adverse information and follows Rule 144 disclosure requirements.
Upstart Holdings insider transactions are disclosed for a proposed sale under Rule 144. The notice reports 13,473 shares of Common stock planned for sale through Charles Schwab with an aggregate market value of $823,453, to be sold on or about 08/20/2025 on NASDAQ. Those shares were recorded as acquired on 08/20/2025 due to a restricted stock lapse from equity compensation. The filing also lists a prior sale by the same person of 13,512 shares on 05/20/2025 for gross proceeds of $634,673. The notice includes the signer’s representation that they are not aware of undisclosed material adverse information.
Upstart Holdings, Inc. (UPST) filing a Form 144 notifies a proposed sale of 6,714 common shares with an aggregate market value of $410,359, to be executed through Charles Schwab on 08/20/2025. The filing shows these shares were acquired the same day as a restricted stock lapse and are tied to equity compensation. The issuer has 96,217,742 shares outstanding. The filing also lists recent sales by the same account totaling 33,115 shares sold across seven transactions in May–August 2025 for combined gross proceeds of $2,056,726. The filer certifies no undisclosed material adverse information.
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