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 $46.75, down 0.81% from the previous day, and has decreased 36.32% in one year. It has underperformed other stocks in the Credit Services industry by 0.42 percentage points. Upstart Holdings stock is currently +48.89% from its 52-week low of $31.40, and -51.52% from its 52-week high of $96.43.
As of Dec 5, 2025, there are 97.29M shares of UPST outstanding. The market value of UPST is $4.55B. In the last 24 hours, 3.28M 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.
How to Set Up a New Brokerage 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 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/E ratio of 137.5x, relative to Credit Services industry P/E ratio of 35.37x
- UPST could be overvalued based on its P/B ratio of 6.12x, relative to Credit Services industry P/B ratio of 5.02x
- UPST could be overvalued based on its PEG ratio of 1.22x
You can access additional valuation research on UPST's stock here.
UPST Financial Health
Signs that UPST is financially healthy:
- UPST profit margin has gone up from -30.2% to 3.3% in the past year.
- Total UPST debt is lower than 5 years ago, relative to shareholder equity.
Signs that UPST is not financially healthy:
- UPST has a relatively high debt to equity ratio of 2.91.
Do Wall Street analysts think it's a good time to buy Upstart Holdings stock
Out of 8 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 22% analyst from Bank of America maintains UPST with a hold rating and lowers their UPST price target from $81.00 to $71.00, on Nov 5, 2025.
Will Nance, a bottom 7% analyst from Goldman Sachs maintains UPST with a strong sell rating and lowers their UPST price target from $78.00 to $54.00, on Oct 13, 2025.
James Faucette, a top 15% analyst from Morgan Stanley maintains UPST with a hold rating and raises their UPST price target from $50.00 to $70.00, on Aug 6, 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 earnings were $32.21M. During the last 5 year, UPST's earnings have grown by 21.2% per year. This was slower than the Credit Services industry average of 21.48%.
Last year, UPST revenue was $966.73M. During the past five year, UPST's revenue has increased by 35.81% per year. This was faster than the Credit Services industry average of 13.62%.
Dig into UPST's earnings and revenue performance here.
Are UPST insiders buying or selling the stock?
Over the past year, executives and large shareholders at UPST have bought more shares than they have sold.
Natalia Mirgorodskaya, Chief Accounting Officer and Controller of UPST, was the latest UPST insider to sell. They sold $29,649.42 worth of UPST shares on Nov 25, 2025.
Learn more about who owns UPST stock here.
Can I rely on UPST as an income stream?
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 find out what other community members 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 sufficient. - Limit order: A limit order allows you to buy or sell a stock at a specific price (or better).
If you want to make sure you're buying or selling at a specific dollar amount limit, use a limit order.
Hit the Open Trade button and your broker will execute the order.
If you want additional assistance buying stocks on eToro, click the how to 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 shares.
Start a watchlist to get the latest updates about your UPST stock.
UPST Feed
How to Buy Stock in Upstart Holdings
To reiterate, here are the 6 steps to buy 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
If you need a brokerage account, eToro is our recommended venue.
Get Started with eToro TodayIf you would like to keep an eye on your new investment in Upstart Holdings, create a watchlist on WallStreetZen today.
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