Form 4: Upstart CAO Natalia Mirgorodskaya Exercises Stock Options

Upstart Holdings Chief Accounting Officer Natalia Mirgorodskaya exercised 4,600 stock options on May 15, 2026.

Summary

• Natalia Mirgorodskaya, Chief Accounting Officer and Controller of Upstart Holdings, Inc., exercised 4,600 employee stock options.
• The options were exercised at a strike price of $1.35 per share.
• Following the transaction, the reporting person holds 38,874 shares of common stock directly.

Sentiment

Score: 5

Explanation: StockSavvy.ai views this as a neutral event, representing a routine administrative exercise of vested employee stock options by an executive.

Positives

• The exercise of vested options indicates management's continued participation in the company's equity incentive program.

Negatives

• None identified in this filing.

Risks

• Standard market risks associated with holding equity in a publicly traded financial technology company.

Future Outlook

No forward-looking guidance provided in this document.

Industry Context

StockSavvy.ai notes that routine option exercises by executive officers are standard corporate governance events and generally do not signal a change in strategic direction or material non-public information.

Comparison to Industry Standards

• The transaction is consistent with standard executive compensation and equity vesting schedules observed in the fintech sector.

Stakeholder Impact

• Minimal impact on shareholders as this is a routine exercise of existing equity compensation.

Next Steps

• No future actions or milestones were disclosed in this filing.

Key Dates

Keywords

Upstart Holdings, UPST, Form 4, Insider Trading, Stock Options, Chief Accounting Officer