How to Buy Upstart Holdings Stock
Upstart Holdings Inc
Upstart Holdings, Inc. , together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.
Upstart Holdings stock last closed at $67.17, up 0.28% from the previous day, and has increased 91.26% in one year. It has overperformed other stocks in the Credit Services industry by 0.67 percentage points. Upstart Holdings stock is currently +113.92% from its 52-week low of $31.40, and -30.34% from its 52-week high of $96.43.
As of Sep 16, 2025, there are 96.22M shares of UPST outstanding. The market value of UPST is $6.46B. In the last 24 hours, 6.41M UPST shares were traded.
How to Buy Upstart Holdings Stock
Wondering how to invest in Upstart Holdings stock? Here's how.
- Figure out where to buy Upstart Holdings stock: You need to choose an online brokerage, but don't worry - we've tried dozens of online brokerages and apps to help you determine where to buy Upstart Holdings stock.
- Create your brokerage account: Sign up for 0% fee trading with the highest-rated brokerage we've found.
- Fund your brokerage account: Pick your method of payment and add your info.
- Analyze Upstart Holdings stock: The Upstart Holdings ticker symbol is UPST. Is Upstart Holdings stock a good investment? Should you buy shares of UPST? How do UPST's underlying business fundamentals look? Do top analysts think Upstart Holdings is a good buy? Why has UPST's stock price moved recently? (Hint: Our stock market research tools can help you understand if UPST is a good stock to buy).
- Place your UPST trade: Decide if you will purchase UPST shares at the current market price or use a limit order to purchase UPST stock at a particular price.
- Get the latest news on your investment in UPST: Create a watchlist to track your investment in Upstart Holdings stock.
Step 1: Figure out where to buy Upstart Holdings stock
You will need an online brokerage account in order to access the NASDAQ market and buy UPST shares.
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Open eToro AccountStep 2: Create your brokerage account
Now that you've selected the best brokerage, the next step is to fill out some personal information so you can invest in UPST today.
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- Click here to get started.eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.
- Enter your personal data to open a new brokerage account.
- Submit your information by pressing the "Create Account" button. Get started with eToro today
Step 3: Fund your brokerage account
Now that you've created your account on the best stock market app for beginners, you need to deposit funds:
Check out the tutorial below for more details transferring funds into your new brokerage account.
Step 4: Analyze Upstart Holdings stock
Once you have decided on the best place to buy Upstart Holdings stock, it's absolutely critical to evaluate their stock prior to buying, so you can comprehend the risk as well as the opportunity.
Upstart Holdings shares quick numbers
UPST Overview
WallStreetZen was designed to help part-time investors perform better fundamental analysis in minutes instead of hours.
You can see all of the due diligence checks on UPST's stock page.
What is the fair value of UPST stock?
Investors use many financial metrics, analyses, models, and charts to gauge UPST's fair value.
Using relative valuations measures:
- UPST could be overvalued based on its P/B ratio of 8.95x, relative to Credit Services industry P/B ratio of 5.25x
You can access additional valuation analysis on UPST's stock here.
A quick look at UPST Financials
Signs that UPST is financially healthy:
- UPST profit margin has gone up from -38.1% to -0.7% in the past year.
Signs that UPST is not financially healthy:
- UPST has a relatively high debt to equity ratio of 2.43.
Is it a good time to buy UPST stock, according to analysts?
Out of 9 Wall Street analysts who give forecasts on UPST, the consensus analyst rating on Upstart Holdings is a Hold
Please keep in mind that analyst ratings are not stock recommendations, nor are they investment advice.
Most Recent UPST Analyst Recommendations
Will Nance, a top 34% analyst from Goldman Sachs assumes UPST with a strong sell rating and announces their UPST price target of $71.00, on Jul 14, 2025.
Ramsey El-Assal, a bottom 6% analyst from Barclays maintains UPST with a hold rating and raises their UPST price target from $42.00 to $47.00, on May 12, 2025.
Michael Ng, a top 5% analyst from Goldman Sachs maintains UPST with a strong sell rating and raises their UPST price target from $15.00 to $16.50, on May 8, 2025.
Arvind Ramnani, a bottom 1% analyst from Piper Sandler maintains UPST with a strong buy rating and lowers their UPST price target from $105.00 to $69.00, on May 7, 2025.
You can dive deeper into what analysts are forecasting on the Upstart Holdings stock forecast page.
UPST Trading Indicators
UPST Revenue
Last year, UPST revenue was $851.77M. Over the past four year, UPST's revenue has increased by 16.19% per year. This was faster than the Credit Services industry average of 11.72%.
You can research UPST's earnings and revenue performance here.
Who is buying/selling UPST?
In the last year, insiders at UPST have bought more shares than they have sold.
Scott Darling, Chief Legal Officer of UPST, was the latest UPST insider to buy. They bought $52,880.00 worth of UPST stock on Sep 3, 2025.
Dig into more about who owns UPST shares here.
Does UPST stock generate passive income?
No, Upstart Holdings doesn't provide an income stream by paying out dividends.
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Step 5: Place your UPST trade
You have two primary options:
- Market order: A market order is an order to buy or sell a stock at the best possible price.
Market orders are mostly the best for newer investors. - Limit order: A limit order allows you to buy or sell a security at a specific price (or better).
If you want to be sure you're buying or selling at a given dollar amount, place a limit order.
Click the Open button and your broker will execute your order.
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Step 6: Get the latest news on your investment in UPST
Now that you own some UPST stock, you'll want to keep up with your stock purchase.
Make a watchlist to monitor your UPST stock.
UPST Feed
How to Buy Stock in Upstart Holdings
To reiterate, here are the 6 steps for buying Upstart Holdings stock:
- Figure out where to buy Upstart Holdings stock
- Create your brokerage account
- Fund your brokerage account
- Analyze Upstart Holdings stock
- Place your UPST trade
- Get the latest news on your investment in UPST
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Get Started with eToro TodayIf you would like to watch your investment in Upstart Holdings, click below.
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