Upstart(UPST) - 2025 Q4 - Annual Report

Washington, D.C. 20549 _________________________ FORM 10-K (Mark One) UNITED STATES SECURITIES AND EXCHANGE COMMISSION ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from_________to ________ Commission File Number: 001-39797 Upstart Holdings, Inc. (Exact name of registrant as specified in its charter) _________________________ ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended ...