144 ·Filed May 15, 2026

UPST

Upstart Holdings, Inc.
NEUTRAL
Impact 2/10
Horizonimmediate Processed4mo ago SEC0001921094-26-000489
Form 144 — notice of proposed sale of securities
Actionable Insight • Neutral

Routine tax-withholding sale by a director — no signal of bearish conviction. The 727 shares are negligible. Monitor for any larger discretionary sales by executives in coming weeks, but this filing alone does not warrant action.

DirectionNeutral
Confidencehigh
Horizonimmediate
Final — all horizons settled through T+60d
UPST ▲ +4.15% at T+60d
NEUTRAL call ✓ call won +4.15% · α vs SPY -0.70% · entry $27.94 → $29.10
Entry anchored
May 15, 03:59 PM ET
via exchange tick
T+1d
+0.50%
call +0.50% · α +1.15%
$28.08
settled 5mo ago
T+5d
+9.59%
call +9.59% · α +7.97%
$30.62
settled 4mo ago
T+20d
+15.39%
call +15.39% · α +13.81%
$32.24
settled 4mo ago
T+60d
+4.15%
call +4.15% · α -0.70%
$29.10
settled 7w ago

Price Chart

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Executive Summary

Director Scott Darling filed a Form 144 notice of intent to sell 727 shares of Upstart Holdings common stock, valued at approximately $21,476 based on the filing date price. The sale is to cover tax obligations from vested RSUs, not a discretionary portfolio liquidation. The proposed amount is negligible relative to Darling's total holdings and the company's $2.8B market cap.

Key Facts

  • Director Scott Darling filed Form 144 to sell 727 shares of UPST common stock.
  • Estimated proceeds: ~$21,476 based on filing date price.
  • Sale is to cover tax obligations from vested RSUs, not a discretionary trade.
  • Darling previously sold 6,868 shares on 02/20/2026 for ~$205,191 for the same tax-withholding purpose.
  • The 727 shares represent a tiny fraction of Darling's total holdings and <0.001% of UPST's $2.8B market cap.

Financial Impact

~$21,476 sale value, immaterial relative to insider holdings and market cap

dilution

Risk Factors

  • Insider selling ahead of earnings could be misread by the market, but this specific filing is de minimis.
  • No material risk from this filing.

Market Snapshot

Exchange
Nasdaq
Sector
Finance Services
Analyst Consensus
62% bullish (21 analysts)

Investment Themes

Artificial IntelligenceFintech & Payments

Documents Analyzed

This report is based on 3 SEC documents filed with EDGAR.

DocumentAccession Number
144 Filing (Primary)0001921094-26-000489
Document: 0001921094-26-000489-index.html0001921094-26-000489
Document: 0001921094-26-000489.txt0001921094-26-000489
12 reports for UPST
Performance horizon
100% Hit rate 4 of 4 directional calls best @ T+20▲ +13.11%Aug 21, 2026
Filters
Rows
Reports for UPST — sortable, filterable
TypeNow
Sep 10, 2026
21d ago
Insider Cluster
MIXED ★ 5/10
$25.59 $25.00▼ −2.31%▼ −2.08%$23.02 (−10.04%)
Aug 27, 2026
5w ago
Insider Cluster
NEUTRAL ★ 3/10
$29.08 $28.05▼ −3.54%▼ −3.65%$23.02 (−20.84%)
Aug 21, 2026
5w ago
Insider Cluster
BEARISH ★ 4/10
$29.89 $28.68▲ +4.05%▲ +4.52%$23.02 (+22.98%)
Aug 19, 2026
6w ago
Insider Cluster
NEUTRAL ★ 2/10
$30.60 $30.47▼ −0.42%▼ −0.04%$23.02 (−24.77%)
May 27, 2026
18w ago
Insider Cluster
NEUTRAL ★ 2/10
$32.69 $32.27▼ −1.28%▼ −1.60%$23.02 (−29.58%)
May 20, 2026
19w ago
144
NEUTRAL ★ 2/10
$28.85 $32.69▲ +13.31%▲ +11.71%$23.02 (−20.21%)
May 19, 2026
19w ago
8-K
NEUTRAL ★ 3/10
$28.08 $30.45▲ +8.44%▲ +6.19%$23.02 (−18.02%)
May 18, 2026
19w ago
Insider Cluster
BULLISH ★ 6/10
$28.08 $30.45▲ +8.44%▲ +6.19%$23.02 (−18.02%)
May 15, 2026
19w ago
144
NEUTRAL ★ 2/10
$27.94 $30.62▲ +9.59%▲ +7.97%$23.02 (−17.61%)
May 7, 2026
21w ago
Insider Cluster
BULLISH ★ 6/10
$29.00 $29.71▲ +2.45%▲ +0.15%$23.02 (−20.62%)
Showing 10 of 12

US Market Status

Market Open — Closes in 51m

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