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) 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.
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. Chief Legal Officer Scott Darling reported open-market sales of 6,853 shares of Common Stock on August 20, 2025. Sale prices ranged from about $60.77 to $63.31 per share. A footnote states these shares were sold to cover tax withholding obligations tied to vesting restricted stock units and were executed under a Rule 10b5-1 trading plan adopted on November 27, 2024. After the transactions, Darling directly holds 130,300 shares, in addition to restricted stock units referenced in the footnotes.