<SEC-DOCUMENT>0001921094-25-001221.txt : 20251001
<SEC-HEADER>0001921094-25-001221.hdr.sgml : 20251001
<ACCEPTANCE-DATETIME>20251001160335
ACCESSION NUMBER:		0001921094-25-001221
CONFORMED SUBMISSION TYPE:	144
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20251001
DATE AS OF CHANGE:		20251001

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Upstart Holdings, Inc.
		CENTRAL INDEX KEY:			0001647639
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		ORGANIZATION NAME:           	02 Finance
		EIN:				464332431
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		144
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	001-39797
		FILM NUMBER:		251364607

	BUSINESS ADDRESS:	
		STREET 1:		2950 S. DELAWARE STREET, SUITE 410
		CITY:			SAN MATEO
		STATE:			CA
		ZIP:			94403
		BUSINESS PHONE:		(650) 204-1000

	MAIL ADDRESS:	
		STREET 1:		2950 S. DELAWARE STREET, SUITE 410
		CITY:			SAN MATEO
		STATE:			CA
		ZIP:			94403

REPORTING-OWNER:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Darling Scott
		CENTRAL INDEX KEY:			0001558259
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		144

	MAIL ADDRESS:	
		STREET 1:		C/O STITCH FIX, INC.
		STREET 2:		1 MONTGOMERY STREET, SUITE 1500
		CITY:			SAN FRANCISCO
		STATE:			CA
		ZIP:			94104
</SEC-HEADER>
<DOCUMENT>
<TYPE>144
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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    <submissionType>144</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <cik>0001558259</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
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      <liveTestFlag>LIVE</liveTestFlag>



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  <formData>
    <issuerInfo>
      <issuerCik>0001647639</issuerCik>
      <issuerName>Upstart Holdings, Inc.</issuerName>
      <secFileNumber>001-39797</secFileNumber>
      <issuerAddress>
        <com:street1>2950 S. DELAWARE STREET, SUITE 410</com:street1>
        <com:city>SAN MATEO</com:city>
        <com:stateOrCountry>CA</com:stateOrCountry>
        <com:zipCode>94403</com:zipCode>
      </issuerAddress>
      <issuerContactPhone>(650) 204-1000</issuerContactPhone>
      <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>Darling Scott</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Officer</relationshipToIssuer>
      </relationshipsToIssuer>
    </issuerInfo>
    <securitiesInformation>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <brokerOrMarketmakerDetails>
        <name>Charles Schwab &amp; Co., Inc.</name>
        <address>
          <com:street1>3000 Schwab Way</com:street1>
          <com:city>Westlake</com:city>
          <com:stateOrCountry>TX</com:stateOrCountry>
          <com:zipCode>76262</com:zipCode>
        </address>
      </brokerOrMarketmakerDetails>
      <noOfUnitsSold>1000</noOfUnitsSold>
      <aggregateMarketValue>54640.00</aggregateMarketValue>
      <noOfUnitsOutstanding>96217742</noOfUnitsOutstanding>
      <approxSaleDate>10/01/2025</approxSaleDate>
      <securitiesExchangeName>NASDAQ</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>10/01/2025</acquiredDate>
      <natureOfAcquisitionTransaction>Employee Stock Option Exercise</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Upstart Holdings, Inc.</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>1000</amountOfSecuritiesAcquired>
      <paymentDate>10/01/2025</paymentDate>
      <natureOfPayment>Broker Payment for Cashless Exercise</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SCOTT DARLING</name>
        <address>
          <com:street1>950 S. DELAWARE STREET, SUITE 410</com:street1>
          <com:city>SAN MATEO</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc.</securitiesClassTitle>
      <saleDate>07/01/2025</saleDate>
      <amountOfSecuritiesSold>2000</amountOfSecuritiesSold>
      <grossProceeds>127120.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SCOTT DARLING</name>
        <address>
          <com:street1>950 S. DELAWARE STREET, SUITE 410</com:street1>
          <com:city>SAN MATEO</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc.</securitiesClassTitle>
      <saleDate>07/02/2025</saleDate>
      <amountOfSecuritiesSold>5000</amountOfSecuritiesSold>
      <grossProceeds>350176.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SCOTT DARLING</name>
        <address>
          <com:street1>950 S. DELAWARE STREET, SUITE 410</com:street1>
          <com:city>SAN MATEO</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>07/08/2025</saleDate>
      <amountOfSecuritiesSold>5000</amountOfSecuritiesSold>
      <grossProceeds>400210.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SCOTT DARLING</name>
        <address>
          <com:street1>950 S. DELAWARE STREET, SUITE 410</com:street1>
          <com:city>SAN MATEO</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>08/01/2025</saleDate>
      <amountOfSecuritiesSold>4000</amountOfSecuritiesSold>
      <grossProceeds>313807.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SCOTT DARLING</name>
        <address>
          <com:street1>950 S. DELAWARE STREET, SUITE 410</com:street1>
          <com:city>SAN MATEO</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>08/20/2025</saleDate>
      <amountOfSecuritiesSold>6853</amountOfSecuritiesSold>
      <grossProceeds>419159.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SCOTT DARLING</name>
        <address>
          <com:street1>950 S. DELAWARE STREET, SUITE 410</com:street1>
          <com:city>SAN MATEO</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>08/25/2025</saleDate>
      <amountOfSecuritiesSold>6402</amountOfSecuritiesSold>
      <grossProceeds>435336.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SCOTT DARLING</name>
        <address>
          <com:street1>950 S. DELAWARE STREET, SUITE 410</com:street1>
          <com:city>SAN MATEO</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>09/03/2025</saleDate>
      <amountOfSecuritiesSold>4000</amountOfSecuritiesSold>
      <grossProceeds>277654.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>SCOTT DARLING</name>
        <address>
          <com:street1>950 S. DELAWARE STREET, SUITE 410</com:street1>
          <com:city>SAN MATEO</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc</securitiesClassTitle>
      <saleDate>09/17/2025</saleDate>
      <amountOfSecuritiesSold>1000</amountOfSecuritiesSold>
      <grossProceeds>70010.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <noticeSignature>
      <noticeDate>10/01/2025</noticeDate>
      <planAdoptionDates>
        <planAdoptionDate>05/30/2025</planAdoptionDate>
      </planAdoptionDates>
      <signature>SCOTT DARLING</signature>
    </noticeSignature>
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</SEC-DOCUMENT>
