<SEC-DOCUMENT>0001567619-20-021151.txt : 20201215
<SEC-HEADER>0001567619-20-021151.hdr.sgml : 20201215
<ACCEPTANCE-DATETIME>20201215200626
ACCESSION NUMBER:		0001567619-20-021151
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20201215
FILED AS OF DATE:		20201215
DATE AS OF CHANGE:		20201215

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Schwartz Robert S
		CENTRAL INDEX KEY:			0001546061

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39797
		FILM NUMBER:		201390983

	MAIL ADDRESS:	
		STREET 1:		C/O THIRD POINT LLC
		STREET 2:		390 PARK AVENUE
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10022

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Upstart Holdings, Inc.
		CENTRAL INDEX KEY:			0001647639
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				464332431
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		2950 S. DELAWARE STREET, SUITE 300
		CITY:			SAN MATEO
		STATE:			CA
		ZIP:			94403
		BUSINESS PHONE:		(650) 204-1000

	MAIL ADDRESS:	
		STREET 1:		2950 S. DELAWARE STREET, SUITE 300
		CITY:			SAN MATEO
		STATE:			CA
		ZIP:			94403
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>doc1.xml
<DESCRIPTION>FORM 3
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0206</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2020-12-15</periodOfReport>

    <noSecuritiesOwned>1</noSecuritiesOwned>

    <issuer>
        <issuerCik>0001647639</issuerCik>
        <issuerName>Upstart Holdings, Inc.</issuerName>
        <issuerTradingSymbol>UPST</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001546061</rptOwnerCik>
            <rptOwnerName>Schwartz Robert S</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O UPSTART HOLDINGS, INC.</rptOwnerStreet1>
            <rptOwnerStreet2>2950 S. DELAWARE STREET, SUITE 300</rptOwnerStreet2>
            <rptOwnerCity>SAN MATEO</rptOwnerCity>
            <rptOwnerState>CA</rptOwnerState>
            <rptOwnerZipCode>94403</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle></officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable></nonDerivativeTable>

    <derivativeTable></derivativeTable>

    <footnotes></footnotes>

    <remarks>The Power of Attorney granted by Robert S. Schwartz in favor of William Song and Joshua L. Targoff, dated April 23, 2015, was previously filed with the SEC on April 23, 2015 as Exhibit 99.1 to the Form 3 filed by Robert S. Schwartz with respect to Apigee Corporation and is incorporated herein by reference.

Explanation of Responses:

Mr. Schwartz serves as a member of the board of the directors of the Issuer and is a managing partner of Third Point Ventures LLC (&quot;Third Point Ventures&quot;), an affiliate of Third Point LLC (&quot;Third Point&quot;). Daniel S. Loeb is the Chief Executive Officer of Third Point (together with Third Point, the &quot;Third Point Parties&quot;). Third Point acts as the investment manager to Third Point Ventures, a direct beneficial owner of securities of the Issuer. Mr. Schwartz may be deemed to be a member of a &quot;group&quot; with the Third Point Parties within the meaning of Section 13(d)(3) of the Securities Exchange Act of 1934, as amended. Mr. Schwartz hereby disclaims beneficial ownership of any securities beneficially owned by Third Point Ventures or any of the Third Point Parties, except to the extent of any indirect pecuniary interest therein. The Third Point Parties have filed a separate Form 3 disclosing their holdings of securities of the Issuer.</remarks>

    <ownerSignature>
        <signatureName>/s/ William Song, as Attorney-in-Fact for ROBERT S. SCHWARTZ</signatureName>
        <signatureDate>2020-12-15</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
