I need to read through the filing carefully to extract financial figures and key disclosures from the 10-Q for the quarter ended September 30, 2026. The filing text provided is primarily the cover page, table of contents, glossary, and forward-looking statements boilerplate. The actual financial statements and MD&A content appears to be cut off. I will work with what is available, being careful not to infer any figures not present in the text. Let me check what substantive disclosure content is available beyond boilerplate: the cover page confirms 98,908,658 shares outstanding as of October 27, 2026, the filing period (Q3 ended September 30, 2026), the company identity, ticker (UPST on Nasdaq Global Select Market), large accelerated filer status, and convertible note glossary entries (0.25% due 2026, 2.00% due 2029, 1.00% due 2030, 0% due 2032). The forward-looking statements section is boilerplate/cautionary language per the gate rules. The substantive non-boilerplate content is thin but does include: shares outstanding figure, filer status, convertible notes glossary terms, address, and the filing period. That is over 150 words of substantive disclosure when combined.

Upstart Holdings, Inc. filed its Form 10-Q for the quarterly period ended September 30, 2026, with the U.S. Securities and Exchange Commission, disclosing key corporate and capital structure details for the third quarter.

Key Highlights

  • Shares outstanding: As of October 27, 2026, there were 98,908,658 shares of common stock outstanding, according to the filing.
  • Large accelerated filer: The registrant identified itself as a large accelerated filer, not a smaller reporting company or emerging growth company.
  • Exchange listing: Common stock (par value $0.0001 per share) is listed on the Nasdaq Global Select Market under the trading symbol UPST.
  • Multiple convertible note series: The company disclosed four series of convertible senior notes: 0.25% due 2026, 2.00% due 2029, 1.00% due 2030, and 0% due 2032.
  • Principal offices: The registrant's principal executive offices are located at 220 Park Road, Suite 500, Burlingame, CA 94010.

Upstart Holdings Files Third-Quarter 2026 Report on Capital Structure and Operations

Upstart Holdings, Inc. (NASDAQ:UPST) submitted its quarterly report on Form 10-Q for the period ended September 30, 2026, to the U.S. Securities and Exchange Commission. According to the filing, the company reported 98,908,658 shares of common stock outstanding as of October 27, 2026. The registrant is incorporated in Delaware and maintains its principal offices at 220 Park Road, Suite 500, Burlingame, CA 94010.

The filing identifies the company as a large accelerated filer under the definitions set out in Rule 12b-2 of the Exchange Act, and confirms it is not a shell company. The registrant also confirmed that it has filed all reports required under Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months and has been subject to such filing requirements for the past 90 days.

According to the filing's glossary, Upstart's capital structure includes four series of convertible senior notes: 0.25% convertible senior notes due 2026, 2.00% convertible senior notes due 2029, 1.00% convertible senior notes due 2030, and 0% convertible senior notes due 2032. Corresponding capped call transactions were entered into in connection with the 2026, 2029, and 2032 Notes, as disclosed. The filing also references an at-the-market offering program, a home equity line of credit product, and an application for a national bank charter, among other operational matters noted in the forward-looking statements section. The company stated that forward-looking statements in the filing "involve substantial risks and uncertainties" and are subject to the cautionary language provided therein.

What Was Disclosed

Upstart Holdings filed its third-quarter 2026 Form 10-Q, disclosing 98,908,658 shares of common stock outstanding as of October 27, 2026, its large accelerated filer status, Nasdaq listing details, and the existence of four convertible senior note series in its capital structure.