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Upstart Holdings, Inc. SEC Filings

UPST NASDAQ

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.

Upstart Holdings thrives on algorithms, not branches, which means its SEC disclosures overflow with loss-curve graphs, bank-fee tables and machine-learning jargon. If tracing model accuracy or partner-bank concentration through hundreds of pages feels daunting, you’re not alone. Stock Titan turns that challenge into clarity, making “Upstart SEC filings explained simply� more than a promise.

Here’s how: every filing lands from EDGAR in real time and is paired with an AI digest. Want trading signals? Our alerts surface “Upstart insider trading Form 4 transactions� and the separate stream of “Upstart Form 4 insider transactions real-time�. Need performance context? The “Upstart quarterly earnings report 10-Q filing� is parsed for origination volume and contribution margin, while “Upstart 8-K material events explained� flags algorithm updates mid-quarter. Governance questions are answered inside the “Upstart proxy statement executive compensation� view, and strategy deep dives live in the “Upstart annual report 10-K simplified� narrative.

With AI-powered summaries, ratio tables and risk-factor heat maps, professionals quickly launch an “Upstart earnings report filing analysis�, track “Upstart executive stock transactions Form 4�, or focus on “understanding Upstart SEC documents with AI�—all without manual downloads. Save hours, pinpoint what drives credit performance, and decide with confidence the moment each disclosure hits.

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GeneDx Holdings Corp. (WGS) â€� Form 4 insider transaction

Chief Financial Officer Kevin Feeley disclosed the sale of 1,344 Class A common shares on 1 July 2025 under a pre-arranged Rule 10b5-1 trading plan adopted on 21 Aug 2024. The shares were sold in two blocks:

  • 998 shares at a weighted-average price of $90.8621 (°ů˛ą˛Ô˛µ±đ&˛Ô˛ú˛ő±č;$90.366â€�$91.2988)
  • 346 shares at a weighted-average price of $91.8811 (°ů˛ą˛Ô˛µ±đ&˛Ô˛ú˛ő±č;$91.44â€�$92.44)

After the transactions, Feeley’s direct ownership declined from 7,771 to 7,425 shares. At the reported prices, aggregate proceeds are roughly $122,500. No derivative transactions were reported.

The filing represents a ~17% reduction in Feeley’s directly-held shares and is relatively small in absolute dollar terms. Because the sales were executed pursuant to a 10b5-1 plan, they do not necessarily indicate a change in the executive’s outlook; however, investors often monitor insider activity as a sentiment gauge.

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Upstart Holdings, Inc. (UPST) â€� Form 144 insider notice

Insider Natalia Mirgorodskaya has filed to sell up to 6,533 common shares through Charles Schwab on or about 07/02/2025. At the reference price used in the filing, the transaction is valued at roughly $457,674. The shares were obtained the same day via an employee stock-option cashless exercise. Mirgorodskaya also disclosed two prior sales in the last three months�764 shares for $35,874 on 05/20/2025 and 1,340 shares for $59,215 on 05/23/2025.

With 95,144,858 shares outstanding, the proposed sale represents approximately 0.007 % of total shares, indicating a limited potential impact on the float. The filer certified that no undisclosed adverse information is known, in accordance with Rule 144 requirements.

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Vimeo, Inc. (VMEO) Form 4 filing dated 07/02/2025 reports that director Lydia Jett received an equity award of 44,444 restricted stock units (RSUs) of common stock on 07/01/2025.

The RSUs vest in two equal installments on the first and second anniversaries of the grant date (22,222 shares each on 07/01/2026 and 07/01/2027). Following the grant, Jett directly beneficially owns 44,444 shares; no shares were sold and no cash price is listed, confirming the award is a standard component of board compensation.

The filing lists no derivative securities and references no Rule 10b5-1 trading plan. From an investor standpoint, the disclosure signals continued alignment of board incentives with shareholder interests but is not expected to have a material impact on Vimeo’s share count, earnings, or valuation given the company’s large outstanding share base.

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Salesforce, Inc. (CRM) has filed a Form 144 signaling the intended sale of 144,000 common shares through Merrill Lynch on the NYSE around 01 July 2025. At the reference price used in the filing, the transaction is valued at approximately $39.24 million. The seller—whose name and relationship to Salesforce are not disclosed—originally obtained the shares on 22 March 2019 via the exercise of a stock option and paid for them in cash on 22 March 2023. No additional Salesforce shares have been sold by this filer during the past three months. The proposed sale represents roughly 0.015 % of the company’s 956 million shares outstanding, suggesting minimal impact on overall float or control. The filing contains no indication of a Rule 10b5-1 trading plan, nor any remarks beyond the standard certification language.

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Salesforce, Inc. (CRM) has filed a Form 144 signaling the intended sale of 144,000 common shares through Merrill Lynch on the NYSE around 01 July 2025. At the reference price used in the filing, the transaction is valued at approximately $39.24 million. The seller—whose name and relationship to Salesforce are not disclosed—originally obtained the shares on 22 March 2019 via the exercise of a stock option and paid for them in cash on 22 March 2023. No additional Salesforce shares have been sold by this filer during the past three months. The proposed sale represents roughly 0.015 % of the company’s 956 million shares outstanding, suggesting minimal impact on overall float or control. The filing contains no indication of a Rule 10b5-1 trading plan, nor any remarks beyond the standard certification language.

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Form 4 snapshot: On 06/20/2025, Upstart Holdings, Inc. (UPST) Chief Executive Officer and 10% owner Dave Girouard exercised 41,667 fully-vested options at an exercise price of $0.83 and, under a previously adopted Rule 10b5-1 trading plan, sold the same 41,667 common shares at a weighted-average price of $60.0471.

Transaction value: The exercise cost was roughly $34.6 k, while the sale generated about $2.5 million in gross proceeds, locking in an approximate $59.22 per-share gain.

Ownership impact: Direct holdings declined to 52,614 shares. However, Girouard still controls approximately 10.69 million shares through a series of family trusts and retains 960,076 additional vested options. The reported sale therefore represents well under 1 % of his total beneficial ownership, leaving his economic exposure largely intact.

Investor considerations:

  • The modest size relative to overall stake and the use of a 10b5-1 plan mitigate signalling risk typically associated with insider sales.
  • No new shares were issued; the exercised options were already accounted for in the fully-diluted share count, so dilution is immaterial.
  • While recurring insider selling can pressure sentiment, the CEO’s remaining double-digit percentage stake continues to align management incentives with shareholder value.

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Upstart Holdings (UPST) Chief Technology Officer and Director Paul Gu reported significant insider trading activity on June 17, 2025. The transaction involved the exercise of employee stock options and acquisition of common stock:

  • Exercised 25,000 employee stock options at $3.80 per share
  • Acquired 25,000 shares of common stock at $3.80 per share
  • Following the transaction, Gu owns 1,147,156 shares directly
  • Retains 45,000 unexercised stock options expiring March 29, 2029

The exercised options were fully vested at the time of execution. The transaction was executed under Form 4 filing requirements for corporate insiders. Some of Gu's holdings include restricted stock units (RSUs) subject to vesting schedules. The filing was signed by Jessica Jeong via power of attorney on June 20, 2025.

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Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering medium-term, principal-at-risk notes linked to Eaton Corporation plc ordinary shares (ticker: ETN). The securities combine three key features:

  • Quarterly contingent coupon: 2.7375% of face value (10.95% p.a.) is paid only if ETN’s closing price on the relevant valuation date is at least 75 % of the initial share price (the “downside-threshold priceâ€�).
  • Automatic early redemption: Beginning roughly three months after issuance, the notes will be called on any valuation date when ETN closes at or above its initial price. Investors then receive $1,000 principal plus the accrued coupon; no further payments are made.
  • Principal repayment at maturity (7 Jul 2028): â€� If the notes are still outstanding and ETN’s final price â‰� the downside threshold, holders receive $1,000 plus the last coupon. â€� If ETN’s final price < the threshold, repayment equals $1,000 Ă— (1 + share return); losses mirror ETN’s decline below the initial price on a 1-for-1 basis, down to zero.

Pricing economics. Issue price is $1,000; estimated value on the pricing date will be � $919, reflecting selling concessions ($17.50), a $5 structuring fee to Morgan Stanley Wealth Management, and hedging costs. Underwriting fees total $22.50 per note. The security will not be listed, and Citigroup Global Markets Inc. (CGMI) may but is not obliged to maintain a secondary market. Any quoted bid will embed a bid-ask spread and a temporary (�3-month) upward adjustment that amortises to zero.

Risk highlights. 1) Investors may receive few or no coupons if ETN trades below 75 % of initial price on valuation dates. 2) If ETN falls >25 % by final valuation, note holders absorb the full downside without a floor. 3) The call feature caps positive return at the coupon level and may force reinvestment risk in low-rate environments. 4) All payments are subject to the senior unsecured credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc. 5) Estimated value < issue price and liquidity may be limited. 6) U.S. tax treatment is uncertain; non-U.S. investors may face 30 % withholding.

Target investor profile. The notes suit income-oriented investors with a moderately bullish to neutral view on ETN over a three-year horizon who can tolerate equity-linked downside, limited liquidity, and early-call reinvestment risk, and who understand Citigroup credit exposure.

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FAQ

What is the current stock price of Upstart Holdings (UPST)?

The current stock price of Upstart Holdings (UPST) is $73.82 as of July 3, 2025.

What is the market cap of Upstart Holdings (UPST)?

The market cap of Upstart Holdings (UPST) is approximately 6.0B.

What is the core business of Upstart Holdings Inc?

Upstart Holdings Inc specializes in providing credit services through an AI-driven lending platform that automates the credit evaluation process. It connects consumer loan demand with a network of financial institutions.

How does Upstart differentiate itself from traditional lenders?

Upstart uses advanced artificial intelligence and machine learning technologies to assess credit risk with greater precision. This technology-driven approach enables a more efficient and transparent loan application process compared to traditional methods.

What technology underpins Upstart's lending platform?

The company's platform is built on a robust cloud-based infrastructure that integrates sophisticated machine learning algorithms and artificial intelligence. This technology analyzes extensive data sets to determine credit risk and streamline the lending process.

What types of loans does Upstart offer?

Upstart provides a range of loan products including personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar loans. The diversity in products allows it to cater to various consumer credit needs.

Who does Upstart partner with to expand its market reach?

In addition to offering direct-to-consumer loans, Upstart partners with banks, credit unions, and other financial institutions through its SaaS offering, "Powered by Upstart." This expands its technological impact across the financial services sector.

How does Upstart ensure efficient credit risk assessment?

By leveraging artificial intelligence and data-driven machine learning algorithms, Upstart enhances the accuracy of credit risk evaluations. This technology minimizes human bias and streamlines the credit decision process.

How does Upstart compare with other fintech companies?

Upstart distinguishes itself through its strong emphasis on advanced technology in credit risk assessment. Its dual business model, serving both consumers and financial institutions, sets it apart in a competitive fintech landscape.
Upstart Holdings, Inc.

NASDAQ:UPST

UPST Rankings

UPST Stock Data

6.03B
83.17M
12.44%
64.15%
17.85%
Credit Services
Finance Services
United States
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