UPST Upstart Holdings, Inc.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: AI-driven lending platform connecting borrowers and banks to optimize loan approvals and pricing
• • Emphasis on enhanced cybersecurity governance with Chief Information Security Officer leading risk mitigation and incident response programs
• • Strengthened Board oversight on cybersecurity risk, including quarterly updates and audit committee involvement
• • Incident response plan detailed for managing cybersecurity incidents with escalation to leadership and external notifications
• • Chief Information Security Officer with 15+ years experience integral to new comprehensive security risk management framework

Risk Factors

• • No material regulatory or legal risk detailed in Risk Factors section
• • Geopolitical or macroeconomic risk absent from disclosed risk factors
• • Operational risk from reliance on third-party AI models impacting loan approvals, with no direct control over algorithm updates
• • Competitive threat from traditional banks increasing AI adoption, risking Upstart's market share gains in consumer lending
• • Financial risk: stock held by 159 record holders with significant shares in street name limiting shareholder activism transparency

Management Discussion & Analysis

• • Revenue from fees $950M, up 49% YoY from $635M in 2024
• • Contribution margin 56% vs 60% in 2024; Adjusted EBITDA margin 22% vs 2% in 2024
• • Best segment: core personal loans showing forecasted returns in line with targets post Q2 2024 vintages; worst segment: Q4 2023 to Q1 2024 vintages underperforming target returns
• • Transaction volume $11B, up 86% YoY; number of loans 1.5M, up 115% YoY driven by AI model improvements
• • Cash flow specifics not detailed; noted investments in technology, no figures for buybacks, dividends, or capex disclosed
• • Forward outlook: macroeconomic risk remains elevated; introduced Upstart Macro Index at 1.39 reflecting 39% incremental risk; expect potential funding constraints if market disrupts again

What are the latest UPST SEC filings in 2026?

Upstart Holdings, Inc. (UPST) has filed a 10-K annual report on February 10, 2026, a 10-Q quarterly report on May 5, 2026, an 8-K current report on August 4, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did UPST file its most recent 10-K annual report?

Upstart Holdings, Inc. (UPST) filed its most recent 10-K annual report on February 10, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view UPST 10-Q quarterly reports?

Upstart Holdings, Inc. (UPST)'s most recent 10-Q quarterly report was filed on May 5, 2026. SignalX displays every UPST 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has UPST filed recently?

Upstart Holdings, Inc. (UPST)'s most recent 8-K was filed on August 4, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find UPST insider trading activity (Form 4)?

SignalX aggregates every UPST Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does UPST file with the SEC?

Upstart Holdings, Inc. (UPST) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new UPST filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Upstart Holdings, Inc. (UPST).

What is UPST's SEC CIK number?

Upstart Holdings, Inc. (UPST)'s SEC CIK (Central Index Key) number is 1647639. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1647639 to look up all UPST filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find UPST return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Upstart Holdings, Inc. (UPST) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.