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Upstart Holdings, Inc. — Investor Relations & Filings

Ticker · UPST ISIN · US91680M1071 LEI · 549300WNB47JRNENIC75 US Financial and insurance activities
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Filings indexed 854 across all filing types
Latest filing 2020-11-05 Capital/Financing Update
Country US United States of America
Listing US UPST

About Upstart Holdings, Inc.

https://www.upstart.com/

Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The platform functions as a marketplace, connecting consumers seeking credit with a network of partner banks and credit unions. Upstart's proprietary AI model leverages non-traditional variables, in addition to traditional credit metrics, to assess risk and determine creditworthiness. This approach aims to improve access to affordable credit for consumers while reducing risk and operational costs for its lending partners. The company facilitates the origination of various consumer loan products, including unsecured personal loans, automotive refinance loans, and home equity lines of credit (HELOCs).

Recent filings

Filing Released Lang Actions
FORM S-1
Capital/Financing Update Classification · 95% confidence The document is a Form S-1 Registration Statement filed with the SEC, dated November 5, 2020, for Upstart Holdings, Inc. It is a detailed registration statement for an initial public offering (IPO), including company background, risk factors, and offering details. Form S-1 is a regulatory filing used to register securities for public sale and is not a financial report like an annual or quarterly report. It is a capital markets filing related to the company's fundraising and securities offering. Therefore, the appropriate classification is Capital/Financing Update (CAP). The document length is substantial (15,000 characters), and it contains the full registration statement, not just an announcement or notice, supporting a high confidence in classification.
2020-11-05 English
Regulatory Filings 2020
Regulatory Filings Classification · 60% confidence The provided document text appears to be encoded or encrypted and does not contain any readable content, keywords, regulatory headers, or references to specific report types, fiscal periods, or regulatory bodies. Without any meaningful text or context, it is impossible to classify this document as any specific filing type. According to the fallback rule, when a document does not fit any specific category due to lack of information, it should be classified as a Regulatory Filing (RNS). The document length is 15,000 characters, which is substantial, but the content is not interpretable. Therefore, the best classification is RNS with moderate confidence due to lack of content.
2020-10-05 English
Regulatory Filings 2020
Regulatory Filings Classification · 95% confidence The document is a letter addressed to the U.S. Securities and Exchange Commission (SEC) staff, responding to comments on an Amendment No. 2 to a Draft Registration Statement on Form S-1 for Upstart Holdings, Inc. The letter discusses revisions made to the Draft Amendment No. 3 in response to SEC comments. The content focuses on regulatory review and amendments to a registration statement, which is part of the IPO or securities offering process. This type of document is not a financial report, earnings release, or management discussion but rather a regulatory filing related to securities registration. It is a formal response to SEC comments on a draft registration statement, which fits best under the category of Regulatory Filings (RNS). The document length (5632 characters) and content confirm it is not a report publication announcement or a full report but a regulatory correspondence.
2020-09-26 English
Capital/Financing Update 2020
Capital/Financing Update Classification · 100% confidence The document is a Form S-1 Registration Statement filed confidentially with the SEC by Upstart Holdings, Inc. It is a draft registration statement for an initial public offering (IPO) under the Securities Act of 1933. The text includes details about the offering, company background, and regulatory compliance information typical of an IPO registration statement. This type of filing is related to capital raising and financing activities. Therefore, it fits the category of Capital/Financing Update (CAP). The document is not an annual report, earnings release, or any other report type but a registration statement for securities offering.
2020-09-26 English
Regulatory Filings 2020
Regulatory Filings Classification · 90% confidence The provided document text appears to be encoded or encrypted and does not contain any readable content, keywords, regulatory headers, form names, fiscal period dates, or document titles that can be used to identify the filing type. The text is not a typical financial report or announcement and lacks any substantive financial data or narrative. Given the absence of identifiable information and the fallback rule for documents that do not fit any specific category, the appropriate classification is Regulatory Filings (RNS).
2020-08-27 English
Regulatory Filings 2020
Regulatory Filings Classification · 95% confidence The document is a detailed letter from Upstart Holdings, Inc. to the U.S. Securities and Exchange Commission responding to comments on an Amendment No. 1 to a Draft Registration Statement on Form S-1. The content includes detailed responses to SEC staff comments on disclosures, financial metrics, and business operations related to the company's registration statement for an initial public offering (IPO). The document is not a financial report like an Annual Report (10-K) or Interim Report (IR), nor is it a simple announcement or certification. It is a regulatory filing responding to SEC comments on a registration statement, which fits the category of Regulatory Filings (RNS). The document is lengthy (15,000 characters) and contains substantive content but is not a report itself; it is a correspondence related to regulatory compliance and disclosure. Therefore, the appropriate classification is Regulatory Filings (RNS).
2020-08-18 English

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