Upstart Holdings, Inc.
For the period ended Sep 30, 2026. Filed Nov 3, 2026.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 3, 2026
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Glossary of Terms and Acronyms
2026 Notes: 0.25% convertible senior notes due 2026
2029 Notes: 2.00% convertible senior notes due 2029
2030 Notes: 1.00% convertible senior notes due 2030
2032 Notes: 0% convertible senior notes due 2032
2026 Capped Calls: Capped call transactions entered into in connection with the 2026 Notes
2029 Capped Calls: Capped call transactions entered into in connection with the 2029 Notes
2032 Capped Calls: Capped call transactions entered into in connection with the 2032 Notes
ACH: Automated Clearing House
AI: Artificial Intelligence
ASC: Accounting Standards Codification
ASU: Accounting Standards Update
ATM Program: At-the-Market offering program
AWS: Amazon Web Services
CFPB: Consumer Financial Protection Bureau
CODM: Chief Operating Decision Maker
DCF: Discounted Cash Flow
ESPP: Employee Stock Purchase Plan
Exchange Act: Securities Exchange Act of 1934, as amended
FASB: Financial Accounting Standards Board
FDIC: Federal Deposit Insurance Corporation
FTC: Federal Trade Commission
GAAP: Generally Accepted Accounting Principles in the United States of America
HELOC: Home Equity Line of Credit
ISO: Incentive Stock Option
NOL: Net Operating Loss
NSO: Non-statutory Stock Option
OCC: Office of the Comptroller of the Currency
PRSU: Performance-based Restricted Stock Unit
R&D: Research and Development
R&D Loans: Loans held for research and development purposes
RSU: Restricted Stock Unit
SEC: United States Securities and Exchange Commission
Securities Act: Securities Act of 1933, as amended
SOFR: Secured Overnight Financing Rate
SPE: Special Purpose Entity
UDAAP: Unfair, Deceptive, or Abusive Acts or Practices
UMI: Upstart Macro Index
VIE: Variable Interest Entity
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.