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 $82.42, down 2.07% from the previous day, and has increased 211.49% in one year. It has overperformed other stocks in the Credit Services industry by 1.76 percentage points. Upstart Holdings stock is currently +300.1% from its 52-week low of $20.60, and -14.53% from its 52-week high of $96.43.

There are currently 93.71M UPST shares outstanding. The market capitalization of UPST is $7.72B. In the last 24 hours, 8.99M UPST shares were traded.

How to Buy Upstart Holdings Stock

Not sure how to invest in Upstart Holdings stock? Here's how.

  1. Figure out where to buy Upstart Holdings stock: You need to decide on an online brokerage, but don't worry - we've tested dozens of online stock brokerages and apps to help you choose where to buy Upstart Holdings stock.
  2. Create your brokerage account: Sign up for 0% commission trading with the highest-rated brokerage we've identified.
  3. Fund your brokerage account: Pick your method of payment and add your information.
  4. 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 analysis tools can help you figure out if UPST is a good stock to buy).
  5. Place your UPST trade: Decide if you will purchase UPST shares at the current market price or use a limit order to purchase UPST shares at a given price.
  6. Get the latest news on your investment in UPST: Create a watchlist to get live updates on your investment in Upstart Holdings shares.

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.

A brokerage account enables you to buy and sell a variety of investments, such as stocks, bonds, mutual funds, and ETFs.

Our preferred brokerage: eToro

Based on our analysis, eToro is the best brokerage. eToro gives you:

  • You can invest in stocks with zero commissions: Invest without commissions.
  • Buy fractional shares: Even if you can't afford a full share, you can still buy the stock.
  • Access to global markets: From Technology to Industrials, New York to Hong Kong — you can fill your portfolio with stocks from the world's leading exchanges.
  • Social investing: eToro has a community with more than 20 million users around the world. Talk to, learn from, and copy the unique crypto portfolios of top investors.
  • Security: eToro is a regulated and licensed fintech leader.
  • Buy other assets: Such as ETFs and cryptocurrencies.

Get $10 towards your purchase of stock by creating an account with eToro now.

Open eToro Account
eToro securities trading is offered by eToro USA Securities, Inc. (“the BD”), member of FINRA and SIPC. Cryptocurrency is offered by eToro USA LLC (“the MSB”) (NMLS: 1769299) and is not FDIC or SIPC insured. Investing involves risk, and content is provided for educational purposes only, does not imply a recommendation, and is not a guarantee of future performance. https://www.wallstreetzen.com is not an affiliate and may be compensated if you access certain products or services offered by the MSB and/or the BD.

Step 2: Create your brokerage account

Now that you've picked the right brokerage, it's time to fill out some personal information so you are able to buy UPST stock today.

How to Set Up a New Account on eToro

  1. 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.
  2. Enter your personal data to open your new trading account.
  1. Submit your details by pressing the "Create Account" button.
  2. Get started with eToro today
    eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

Step 3: Fund your brokerage account

Now that you've finished signing up on the highest rated app to buy and sell stocks, you need to deposit funds:

Check out this video walkthrough for more details transferring funds into your new brokerage account.

Get started with eToro today
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

Step 4: Analyze Upstart Holdings stock

After you have decided on the best place to buy Upstart Holdings stock, it's absolutely critical to evaluate their stock before you invest, so you actually wrap your head around the risk as well as the upside.

Upstart Holdings Metrics

UPST Price
$82.42
1w %
19.71%
1y %
211.49%
5y %
N/A
P/E
-57.24x
P/B
12.2x
P/S
11.58x
PEG
N/A
Revenue
$636.53M
Earnings
-$128.58M
Fore. Rev. Growth
36.47%
Fore. Earn. Growth
N/A
Market Cap
$7.72B
Next Earnings
N/A
Next Dividend
N/A

UPST Due Diligence Score

WallStreetZen was built to help average investors perform better fundamental analysis in minutes instead of hours.

You can see all of the due diligence checks on UPST's stock page.

Is UPST stock undervalued or overvalued?

Investors use a variety of different financial metrics, analyses, models, and charts to gauge UPST's true value.

Using relative valuations metrics:

  • UPST could be overvalued based on its P/B ratio of 12.2x, relative to Credit Services industry P/B ratio of 5.9x

You can access additional valuation analysis on UPST's stock here.

Is UPST a healthy company?

Signs that UPST is financially healthy:

  • Total UPST debt is lower than 5 years ago, relative to shareholder equity.
  • UPST profit margin has gone up from -46.8% to -20.2% in the past year.

Signs that UPST is not financially healthy:

  • UPST has a relatively high debt to equity ratio of 2.74.
  • UPST earnings of -$128.40M is not enough to cover its interest payments.
  • UPST's operating cash flow of $186.33M allows it to safely service it's debt of $1.54B.

Is it a good time to buy Upstart Holdings stock, according to Wall Street analysts?

Out of 11 sell side analysts who give forecasts on UPST, the consensus analyst rating on UPST is a Buy

Please keep in mind that analyst ratings are not recommendations, nor are they financial advice.

Most Recent UPST Analyst Recommendations

Hal Goetsch, a top 3% analyst from B. Riley Securities upgrades UPST to a strong buy rating and raises their UPST price target from $49.00 to $105.00, on Feb 12, 2025.

Reginald Smith, a top 21% analyst from JP Morgan upgrades UPST to a hold rating and raises their UPST price target from $57.00 to $79.00, on Feb 12, 2025.

Arvind Ramnani, a bottom 15% analyst from Piper Sandler reiterates UPST with a strong buy rating and raises their UPST price target from $85.00 to $105.00, on Feb 12, 2025.

Simon Clinch, a bottom 19% analyst from Redburn Atlantic upgrades UPST to a strong buy rating and raises their UPST price target from $37.00 to $95.00, on Dec 3, 2024.

David Chiaverini, a top 17% analyst from Wedbush maintains UPST with a hold rating and raises their UPST price target from $45.00 to $60.00, on Nov 8, 2024.

You can dig deeper into what analysts are projecting on the Upstart Holdings stock forecast page.

UPST Momentum

SMA10
71.91
SMA20
68.9
SMA50
69.01
SMA100
62.12
SMA200
45.61
MACD
3.76
MACD Signal
1.46
MACD Histogram
2.3
RSI
64.29
Stochastic %K
74.17
Stochastic %D
73.78
StochRSI %K
80.61
StochRSI %D
79.06

UPST Growth Numbers

Last year, UPST revenue was $636.53M. During the past 5 year, UPST's revenue has increased by 31.13% per year. This was faster than the Credit Services industry average of 10.41%.

Dig into UPST's earnings and revenue performance here.

Are UPST executives and large shareholders buying or selling the stock?

In the last 12 months, executives and large shareholders at UPST have sold more shares than they have bought.

Paul Gu, Chief Technology Offier of UPST, was the latest UPST insider to buy. They bought $66,500.00 worth of UPST stock on Jan 31, 2025.

Dig into more about who owns UPST stock here.

Does UPST stock generate passive income?

No, Upstart Holdings doesn't provide an income stream by paying out dividends.

What others are saying about UPST

One of the reasons eToro is our favorite brokerage is because of its social trading community.

Click below to see what other investors have to say.

Step 5: Place your UPST trade

There are two primary types of orders:

  • Market order: A market order is an order to buy or sell a security at the best price on the market.
    Market orders are mostly the best for newer investors.
  • Limit order: A limit order lets you buy or sell a security at a specific price (or better).
    If you want to ensure you're buying or selling at a particular dollar amount, use a limit order.

Hit the Open button and your broker will place your order.

If you need more help with investing in stocks on eToro, watch the how to video below:

Open eToro Account

Step 6: Get the latest news on your investment in UPST

Now that you own some shares in UPST, you'll want to stay up-to-date on your new stock purchase.

Make a watchlist to track the most important metrics related to your UPST stock.

UPST Feed

How to Buy Stock in Upstart Holdings

To summarize, here are the 6 steps for buying Upstart Holdings stock:

  1. Figure out where to buy Upstart Holdings stock
  2. Create your brokerage account
  3. Fund your brokerage account
  4. Analyze Upstart Holdings stock
  5. Place your UPST trade
  6. Get the latest news on your investment in UPST

If you require a brokerage account, eToro is our recommended option.

Get Started with eToro Today
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

If you want to keep an eye on your investment in Upstart Holdings, get started below.

NASDAQ: UPST
$82.42-1.74 (-2.07%)
Updated Feb 14, 2025
Open eToro Account
Your capital is at risk.
NASDAQ: UPST
$82.42-1.74 (-2.07%)
Updated Feb 14, 2025
Open eToro Account
Your capital is at risk.

FAQ

How much does it cost to buy one Upstart Holdings share?

As of Feb 14, 2025, it costs $82.42 to buy one share of Upstart Holdings stock.

Remember, eToro's fractional share buying allows you to buy partial shares of stocks and ETFs. Even if you only have $10, you can buy 0.121 shares of UPST.

Get Started with eToro Today
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

Is now a good time to buy Upstart Holdings stock?

According to 11 Wall Street analysts who monitor Upstart Holdings, their consensus recommendation is to buy Upstart Holdings stock.

What is the best way to buy Upstart Holdings stock?

One way to place an order for Upstart Holdings stock is with a brokerage account.
WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.

Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.