Every material Form 8-K Upstart Holdings, Inc. has filed with the SEC since August 04, 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Upstart's Chief Accounting Officer and Principal Accounting Officer, Natalia Mirgorodskaya, informed the company on November 3, 2026 that she will resign effective November 30, 2026, to pursue another opportunity. The company said the resignation does not stem from any disagreement over its operations, policies or practices, and CFO Andrea Blankmeyer will serve as Interim Principal Accounting Officer while a permanent replacement is sought.
Natalia Mirgorodskaya's resignation takes effect November 30, 2026; she informed the company on November 3, 2026.
The filing states the resignation is not due to any disagreement with the company on operations, policies or practices.
CFO Andrea Blankmeyer becomes Interim Principal Accounting Officer upon the resignation; her compensation is not being adjusted.
The company is conducting a search for a permanent replacement; no successor is named in the filing.
Upstart reported third-quarter 2026 results for the quarter ended September 30, 2026, with total revenue of $371 million, up 34% from a year earlier, and net income of $36.6 million, up 15%. The company also issued full-year 2026 guidance of about $1.35 billion in total revenue and about $260 million in Adjusted EBITDA, and its CEO said macroeconomic conditions are putting pressure on the near-term outlook.
Total revenue was $371 million, up 34% year over year; revenue from fees was $364 million, up 41%.
Net income was $36.6 million, up 15% from $31.8 million; diluted earnings per share were $0.33, compared with $0.23 a year earlier.
Full-year 2026 outlook: total revenue of approximately $1.35 billion, revenue from fees of approximately $1.32 billion, and Adjusted EBITDA of approximately $260 million (19% margin).
Contribution Profit was $218 million, up 48%; the filing says the secured products category reached positive Contribution Margin one quarter ahead of target.
Upstart Network, a wholly owned subsidiary of Upstart Holdings, entered into a $200 million senior secured revolving credit facility with MUFG Bank on October 16, 2026. The revolver will help fund the establishment and initial capitalization of Upstart Bank, N.A., and must be repaid from certain affiliate loan sales to that bank, which remain subject to regulatory approvals.
Revolver of up to $200 million, agreed October 16, 2026, with MUFG Bank as administrative and collateral agent
Borrowings priced at Term SOFR plus an initial 3.00% margin, with a leverage-based grid of 2.75% to 3.25%
Covenants require minimum liquidity of at least $100.0 million and a maximum secured gross leverage ratio of 2.50 to 1.00
Revolver matures at the earliest of 364 days after closing, 45 days after Upstart Bank's initial capitalization, or full repayment
Upstart reported second-quarter 2026 results for the quarter ended June 30, 2026, with total revenue of $365 million, up 42% year over year, and net income of $16.5 million, or $0.16 per diluted share, versus $5.6 million in Q2 2025. The company said it continues to expect full-year 2026 total revenue of about $1.4 billion and Adjusted EBITDA of about $294 million. Contribution Margin slipped to 55% from 58% a year earlier, even as Contribution Profit reached an all-time high.
Originations of $4.2 billion in Q2 2026, up 50% year over year, across 558,014 loans
Net income of $16.5 million versus $5.6 million in Q2 2025; diluted EPS of $0.16 versus $0.05
Contribution Profit of $193 million, an all-time high and up 37% year over year; Contribution Margin 55% versus 58%
Full-year 2026 outlook reiterated: total revenue of about $1.4 billion and Adjusted EBITDA of about $294 million (21% margin)
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Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every Upstart Holdings, Inc. filing is on SEC EDGAR ↗. 8-K briefs of other companies →