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: 2026-05-13 10b5-1 Pre-arranged Plan: No --- Issuer --- Name: Upstart Holdings, Inc. (UPST) CIK: 0001647639 --- Reporting Owner --- Name: Gu Paul CIK: 0001832812 Role: Director, Officer (Chief Executive Officer) --- Non-Derivative Transactions --- [Transaction #1] Security: Common Stock Date: 2026-05-13 | Code: P (Open market purchase) Shares: +50,000 | Price: $27.50 Total Value: $1,375,000.00 Shares Owned After: 70,000 | Ownership: I (Indirect) | Nature: by trust Footnotes: [F1] The reportable securities are owned by The Gu Qiao Family Trust, of which the Reporting Person is a managing member. --- Holdings --- [Holding #1] Security: Common Stock Ownership: D (Direct) Footnotes: [F2] Includes 390 shares acquired on February 13, 2026 under the Issuer's 2020 Employee Stock Purchase Plan. [F3] 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. [Holding #2] Security: Common Stock Ownership: I (Indirect) Footnotes: [F4] The reportable securities are owned by The Paul Xinquan Gu 2021 Gifting Trust, of which the Reporting Person is a trustee. [Holding #3] Security: Common Stock Ownership: I (Indirect) Footnotes: [F5] The reportable securities are owned by JECCO, LLC, of which the Reporting Person is a managing member. --- Footnotes (Complete Index) --- F1: The reportable securities are owned by The Gu Qiao Family Trust, of which the Reporting Person is a managing member. F2: Includes 390 shares acquired on February 13, 2026 under the Issuer's 2020 Employee Stock Purchase Plan. F3: 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. F4: The reportable securities are owned by The Paul Xinquan Gu 2021 Gifting Trust, of which the Reporting Person is a trustee. F5: The reportable securities are owned by JECCO, LLC, of which the Reporting Person is a managing member. --- Signature --- /s/ /s/ Steven Madrid, by power of attorney (2026-05-13)