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Upstart Holdings, Inc. – ‘8-K’ for 8/8/22

On:  Monday, 8/8/22, at 4:11pm ET   ·   For:  8/8/22   ·   Accession #:  1647639-22-47   ·   File #:  1-39797

Previous ‘8-K’:  ‘8-K’ on 7/8/22 for 7/7/22   ·   Latest ‘8-K’:  This Filing

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  As Of               Filer                 Filing    For·On·As Docs:Size

 8/08/22  Upstart Holdings, Inc.            8-K:2,9     8/08/22   13:4.2M

Current Report   —   Form 8-K

Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 8-K         Current Report                                      HTML     35K 
 2: EX-99.1     Miscellaneous Exhibit                               HTML    266K 
 3: EX-99.2     Miscellaneous Exhibit                               HTML     21K 
 4: EX-99.3     Miscellaneous Exhibit                               HTML     26K 
 8: R1          Cover Page                                          HTML     49K 
11: XML         IDEA XML File -- Filing Summary                      XML     12K 
 9: XML         XBRL Instance -- upst-20220808_htm                   XML     22K 
10: EXCEL       IDEA Workbook of Financial Reports                  XLSX      8K 
 6: EX-101.LAB  XBRL Labels -- upst-20220808_lab                     XML     72K 
 7: EX-101.PRE  XBRL Presentations -- upst-20220808_pre              XML     36K 
 5: EX-101.SCH  XBRL Schema -- upst-20220808                         XSD     10K 
12: JSON        XBRL Instance as JSON Data -- MetaLinks               12±    18K 
13: ZIP         XBRL Zipped Folder -- 0001647639-22-000047-xbrl      Zip     52K 


‘8-K’   —   Current Report


This is an HTML Document rendered as filed.  [ Alternative Formats ]



 iX:   C:  C: 
  upst-20220808  
 i 0001647639 i false00016476392022-08-082022-08-08


UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM  i 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d)
of The Securities Exchange Act of 1934

 i August 8, 2022
Date of Report (Date of earliest event reported)

 i Upstart Holdings, Inc.
(Exact name of registrant as specified in its charter)
 i Delaware
 i 46-4332431
(State or other jurisdiction of incorporation)
(Commission File Number)
(I.R.S. Employer Identification No.)

 i 2950 S. Delaware Street,  i Suite 300
 i San Mateo,  i CA  i 94403
(Address of principal executive offices, including zip code)

( i 650)  i 204-1000
(Registrant's telephone number, including area code)

Not Applicable
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

 i  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 i  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 i  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 i  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class:Trading Symbol:Name of each exchange on which registered:
 i Common Stock, par value $0.0001 per share i UPST i Nasdaq Global Select Market



Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company  i 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  i 

Item 2.02 Results of Operations and Financial Condition.

On August 8, 2022, Upstart Holdings, Inc. (“Upstart”) reported financial results for the fiscal quarter ended June 30, 2022. A copy of the press release is attached as Exhibit 99.1 to this report and is incorporated by reference herein.

Upstart is making reference to non-GAAP financial information in both the press release and the conference call. A reconciliation of these non-GAAP financial measures to the comparable GAAP financial measures is contained in the attached press release.

Item 7.01 Regulation FD Disclosure.

On August 8, 2022, Upstart also published on its website a presentation titled “Upstart Credit Performance FAQ” and a blogpost titled "Update on Upstart's Credit Performance and Funding Model." A copy of the presentation is attached as Exhibit 99.2 to this report and is incorporated by reference herein. A copy of the blogpost is attached as Exhibit 99.3 to this report and is incorporated by reference herein.

The information contained in this Current Report on Form 8-K, including Exhibits 99.1, 99.2 and 99.3 attached hereto, is furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section. The information shall not be deemed incorporated by reference into any other filing with the Securities and Exchange Commission made by Upstart regardless of any general incorporation language in such filing, except as shall be expressly set forth by specific reference in such filing.
Item 9.01 Financial Statements and Exhibits.
(d) Exhibits

Exhibit No.Description
99.1
99.2
99.3
104Cover Page Interactive Data File (Cover page XBRL tags are embedded within the Inline XBRL document)





SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


Upstart Holdings, Inc.
Dated: August 8, 2022By:/s/ Sanjay Datta
Sanjay Datta
Chief Financial Officer





Dates Referenced Herein   and   Documents Incorporated by Reference

This ‘8-K’ Filing    Date    Other Filings
Filed on / For Period end:8/8/22None on these Dates
6/30/22
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