Page 1

( Mark One ) X O UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 OR FORM 10 - K TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from Delaware ( State or other jurisdiction of incorporation or organization ) to Commission File Number : 001-39797 Upstart Holdings , Inc. ( Exact name of registrant as specified in its charter ) Upstart Holdings , Inc. 2950 S. Delaware Street , Suite 300 San Mateo , California 94403 ( 650 ) 204-1000 ( Address of principal executive offices , including zip code ) Securities registered pursuant to Section 12 ( b ) of the Act : Trading Symbol UPST Title of each class : Common Stock , par value $ 0.0001 per share Securities registered pursuant to Section 12 ( g ) of the Act : None 46-4332431 ( I.R.S. Employer Identification No. ) Name of each exchange on which registered : Nasdaq Global Select Market Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes No > Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes > No 1 Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( § 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes > No