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 $52.02, down 4.69% from the previous day, and has increased 125.49% in one year. It has overperformed other stocks in the Credit Services industry by 0.99 percentage points. Upstart Holdings stock is currently +152.52% from its 52-week low of $20.60, and -46.05% from its 52-week high of $96.43.
There are currently 95.14M UPST shares outstanding. The market capitalization of UPST is $4.95B. In the last 24 hours, 5.62M UPST shares were traded.
How to Buy Upstart Holdings Stock
Not sure how to invest in Upstart Holdings stock? Here's how.
- 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.
- Create your brokerage account: Sign up for 0% commission trading with the highest-rated brokerage we've identified.
- Fund your brokerage account: Pick your method of payment and add your information.
- 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).
- 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.
- 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.
Our preferred brokerage: eToro
Based on our analysis, eToro is the best brokerage. eToro gives you:
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- 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. This offer is only for US users.
Open eToro AccountStep 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
- 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 your new trading account.
- Submit your details by pressing the "Create Account" button. Get started with eToro today
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.
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 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 7.31x, relative to Credit Services industry P/B ratio of 5.79x
You can access additional valuation analysis on UPST's stock here.
Is UPST a healthy company?
Signs that UPST is financially healthy:
- UPST profit margin has gone up from -32.6% to -9.2% in the past year.
Signs that UPST is not financially healthy:
- UPST earnings of -$66.23M is not enough to cover its interest payments.
- UPST's operating cash flow of $120.22M allows it to safely service it's debt of $1.46B.
- UPST has a relatively high debt to equity ratio of 2.39.
Do Wall Street analysts think it's a good time to buy Upstart Holdings stock
Out of 9 Wall Street analysts who give ratings on UPST, the consensus analyst rating on Upstart Holdings is a Buy
Please note that analyst ratings are not recommendations, nor are they financial advice.
Most Recent UPST Analyst Upgrades/Downgrades
Nat Schindler, a top 26% analyst from Bank of America upgrades UPST to a hold rating and maintains their UPST price target from $53.00 to $53.00, on Apr 29, 2025.
Peter Christiansen, a top 28% analyst from Citigroup maintains UPST with a strong buy rating and raises their UPST price target from $87.00 to $108.00, on Feb 13, 2025.
Hal Goetsch, a top 2% 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 39% 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.
You can dive deeper into what analysts are forecasting on the Upstart Holdings stock forecast page.
UPST Technical Indicators
UPST Performance Numbers
Last year, UPST revenue was $722.11M. During the last 4 year, UPST's revenue has grown by 25.53% per year. This was faster than the Credit Services industry average of 10.18%.
You can research UPST's earnings and revenue performance here.
Who is buying/selling UPST?
In the past year, insiders at UPST have sold more shares than they have bought.
Scott Darling, Chief Legal Officer of UPST, was the latest UPST insider to buy. They bought $39,660.00 worth of UPST shares on Jun 11, 2025.
Get more info 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 highest-rated brokerage is because of its social trading community.
Click below to find out what other investors have to say.
Step 5: Place your UPST trade
You have 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 generally the easiest way to buy. - Limit order: A limit order enables you to buy or sell a stock at a specific price (or better).
If you want to be certain you're buying or selling at an exact price limit, use a limit order.
Hit the Open Trade button and eToro will execute the order.
If you require more assistance investing in stocks on eToro, watch the helpful video below:
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 investment.
Make a watchlist to track the latest developments regarding your UPST stock.
UPST Feed
How to Buy Stock in Upstart Holdings
To summarize, here are the 6 steps to buy stock in Upstart Holdings:
- 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
If you are looking for a place to buy stocks, eToro is our favorite venue.
Get Started with eToro TodayIf you want to monitor your investment in Upstart Holdings, add UPST to your watchlist by clicking the button below.
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