Paul Gu - 28 Feb 2026 Form 4 Insider Report for Upstart Holdings, Inc. (UPST)

Reporting relationship: Chief Technology Offier, Director
Issuer ticker: UPST
Reported as of: 28 Feb 2026
Net transaction value: $0
SEC form: 4
Accepted by SEC: 03 Mar 2026, 16:38:02 UTC
Prior SEC filing: 13 Nov 2025
Next SEC filing: 14 May 2026
Source filing: View source filing
Reporting owner signature: /s/ Steven Madrid, by power of attorney

Key filing fact

Paul Gu filed Form 4 for Upstart Holdings, Inc. (UPST) on 03 Mar 2026.

Key facts

This page summarizes Paul Gu's Form 4 filing for Upstart Holdings, Inc. (UPST).
1 reported transaction and 1 derivative row are listed below.
Accepted by SEC: 03 Mar 2026, 16:38.

Change

Previous filing in this sequence was filed on 13 Nov 2025.
Current net transaction value: $0.

Research use

This tells you what this filing adds before you inspect full transaction and derivative tables.
You can trace every row back to the original SEC filing document.

Evidence

Filed on Form 4

Ownership activity is grounded in SEC Form 4 disclosures.

View source filing

Reporting Owners (1)

CIK 0001832812 Primary reporting owner

Gu Paul

Relationship: Chief Technology Offier, Director
Address: C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 410, SAN MATEO
Signature: /s/ Steven Madrid, by power of attorney
Signature date: 03 Mar 2026

Reported non-derivative transactions

Shares, units, or other non-derivative securities reported in this filing.

UPST holding

Common Stock

No transaction description listed

Transaction value
Shares
Change %
Price
Shares after: 1,102,226
Date: 28 Feb 2026
Ownership: Direct
Footnotes: F1

UPST holding

Common Stock

No transaction description listed

Transaction value
Shares
Change %
Price
Shares after: 44,930
Date: 28 Feb 2026
Ownership: by trust
Footnotes: F2

UPST holding

Common Stock

No transaction description listed

Transaction value
Shares
Change %
Price
Shares after: 80,000
Date: 28 Feb 2026
Ownership: by LLC
Footnotes: F3

UPST holding

Common Stock

No transaction description listed

Transaction value
Shares
Change %
Price
Shares after: 20,000
Date: 28 Feb 2026
Ownership: by trust
Footnotes: F4

Reported derivative securities

Options, warrants, convertible securities, or similar derivative positions disclosed in the filing.

UPST transaction Derivative

Performance-based Restricted Stock Unit

Award

Transaction value: $0
Shares: +912,702
Change %
Price: $0.000000
Shares after: 912,702
Date: 28 Feb 2026
Ownership: Direct
Underlying class: Common Stock
Underlying amount: 912,702
Exercise price: $0.000000
Footnotes: F5

^* marks a reported price that did not pass the local price check.

Additional SEC filing notes

Filing notes and footnotes

Explanation of responses 5 footnotes

Footnote 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.

Footnote F2

The reportable securities are owned by The Paul Xinquan Gu 2021 Gifting Trust, of which the Reporting Person is a trustee.

Footnote F3

The reportable securities are owned by JECCO, LLC, of which the Reporting Person is a managing member.

Footnote F4

The reportable securities are owned by The Gu Qiao Family Trust, of which the Reporting Person is a managing member.

Footnote F5

These securities are performance-based restricted stock units (PRSUs). Each PRSU represents a contingent right to receive one share of Common Stock in an amount from 0% to 300% of the target number of PRSUs granted. The actual number of PRSUs earned will be based, in part, upon achievement of certain TSR CAGR targets as of February 15, 2030 and subject to vesting on February 20, 2030, subject to the Reporting Person continuing as a service provider through such date.