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 $63.08, up 1.43% from the previous day, and has increased 74.79% in one year. It has overperformed other stocks in the Credit Services industry by 0.49 percentage points. Upstart Holdings stock is currently +100.89% from its 52-week low of $31.40, and -34.58% from its 52-week high of $96.43.

As of Sep 12, 2025, there are 96.22M shares of UPST outstanding. The market value of UPST is $6.07B. In the last 24 hours, 7.11M UPST shares were traded.

How to Buy Upstart Holdings Stock

Wondering how to invest in Upstart Holdings stock? Here's how.

  1. 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.
  2. Create your brokerage account: Sign up for 0% fee trading with the highest-rated brokerage we've found.
  3. Fund your brokerage account: Pick your method of payment and add your info.
  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 research tools can help you understand 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 stock at a particular price.
  6. 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.

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

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Step 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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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.

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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 Price
$63.08
1w %
-5.71%
1y %
74.79%
5y %
N/A
P/E
-1,051.33x
P/B
8.41x
P/S
7.07x
PEG
N/A
Revenue
$851.77M
Earnings
-$6.35M
Fore. Rev. Growth
22.93%
Fore. Earn. Growth
N/A
Market Cap
$6.07B
Next Earnings
Nov 6, 2025
Next Dividend
N/A

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 8.41x, relative to Credit Services industry P/B ratio of 5.21x

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 bottom 18% 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 5% 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

SMA10
66.45
SMA20
66.66
SMA50
72.34
SMA100
62.37
SMA200
62.25
MACD
-1.68
MACD Signal
-1.25
MACD Histogram
-0.43
RSI
41.83
Stochastic %K
9.8
Stochastic %D
22.62
StochRSI %K
3.48
StochRSI %D
20.53

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 11.71%.

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:

  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

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If you would like to watch your investment in Upstart Holdings, click below.

NASDAQ: UPST
$63.08+0.89 (+1.43%)
Updated Sep 12, 2025
Open eToro Account
Your capital is at risk.
NASDAQ: UPST
$63.08+0.89 (+1.43%)
Updated Sep 12, 2025
Open eToro Account
Your capital is at risk.

FAQ

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

As of Sep 12, 2025, it costs $63.08 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 0.159 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 9 Wall Street analysts who monitor Upstart Holdings, their consensus recommendation is to hold 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.