Upstart Holdings, Inc. (UPST) · Insider Trading (Form 4) SEC Filing

=== SEC Form 4 — Statement of Changes in Beneficial Ownership === Document Type: 4 Period of Report: 2026-05-15 10b5-1 Pre-arranged Plan: No --- Issuer --- Name: Upstart Holdings, Inc. (UPST) CIK: 0001647639 --- Reporting Owner --- Name: Mirgorodskaya Natalia CIK: 0001833851 Role: Officer (See Remarks) --- Non-Derivative Transactions --- [Transaction #1] Security: Common Stock Date: 2026-05-15 | Code: M (Exercise of derivative) Shares: +4,600 | Price: $1.35 Total Value: $6,210.00 Shares Owned After: 38,874 | Ownership: D (Direct) Footnotes: [F1] Certain of these securities are restricted stock units (RSUs). Each RSU represents a contingent right to receive one share of Common Stock, subject to the applicable vesting schedule and conditions of each RSU. --- Derivative Transactions --- [Transaction #1] Security: Employee Stock Option (Right to buy) Date: 2026-05-15 | Code: M (Exercise of derivative) Shares: -4,600 | Price: $0.00 Exercisable: N/A | Expires: 2026-12-28 Shares Owned After: 0 | Ownership: D (Direct) Footnotes: [F2] All of the shares subject to this option are fully vested and exercisable as of the date hereof. --- Footnotes (Complete Index) --- F1: Certain of these securities are restricted stock units (RSUs). Each RSU represents a contingent right to receive one share of Common Stock, subject to the applicable vesting schedule and conditions of each RSU. F2: All of the shares subject to this option are fully vested and exercisable as of the date hereof. --- Signature --- /s/ /s/ Steven Madrid, by power of attorney (2026-05-18)