Scott Darling - 22 Jan 2026 Form 4 Insider Report for Upstart Holdings, Inc. (UPST)

Role
Chief Legal Officer
Signature
/s/ Steven Madrid, by power of attorney
Issuer symbol
UPST
Transactions as of
22 Jan 2026
Net transactions value
+$99,996
Form type
4
Filing time
23 Jan 2026, 17:44:56 UTC
Previous filing
07 Jan 2026
Next filing
24 Feb 2026
SEC
View on sec.gov

Reporting Owners (1)

Name Relationship Address Signature Signature date CIK
Darling Scott Chief Legal Officer C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 410, SAN MATEO /s/ Steven Madrid, by power of attorney 23 Jan 2026 0001558259

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction UPST Common Stock Options Exercise $99,996 +7,564 +43% $13.22 24,999 22 Jan 2026 by trust F1
holding UPST Common Stock 92,598 22 Jan 2026 Direct F2

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Underlying Class Amount Exercise Price Ownership Footnotes
transaction UPST Employee Stock Option (Right to buy) Options Exercise $0 -7,564 -3.9% $0.000000 186,963 22 Jan 2026 Common Stock 7,564 $13.22 Direct F3
* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id Content
F1 The shares are held by the Darling Family Trust.
F2 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.
F3 1/48 of the shares subject to the option shall vest on January 20, 2023 and at the end of each successive one-month period thereafter, subject to the Reporting Person continuing as a service provider through each such date.