Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

How to buy Upstart stock | $146.58

Learn how to easily invest in Upstart stock.

Upstart Holdings, Inc
-$3.11 (-2.51%)

Upstart Holdings, Inc is a credit services business based in the US. Upstart shares (UPST) are listed on the NASDAQ and all prices are listed in US Dollars. Upstart employs 554 staff and has a trailing 12-month revenue of around 0.00.

How to buy shares in Upstart

  1. Compare share trading platforms.Use our comparison table to help you find a platform that fits you.
  2. Open your brokerage account. Complete an application with your details.
  3. Confirm your payment details. Fund your account.
  4. Research the stock. Find the stock by name or ticker symbol – UPST – and research it before deciding if it's a good investment for you.
  5. Purchase now or later. Buy your desired number of shares with a market order or use a limit order to delay your purchase until the stock reaches a desired price.
  6. Check in on your investment. Optimize your portfolio by tracking your stock.

Upstart stock price (NASDAQ: UPST)

Use our graph to track the performance of UPST stocks over time.

Upstart shares at a glance

Information last updated 2021-07-28.
Latest market close$146.58
52-week range$20.00 - $191.89
50-day moving average $123.47
200-day moving average $104.47
Wall St. target price$139.29
PE ratio 437.3905
Dividend yield N/A (0%)
Earnings per share (TTM) $0.27

Buy Upstart shares from these brokerages

Compare special offers, low fees and a wide range of types of investments among top trading platforms.
Name Product Asset types Option trade fee Annual fee Signup bonus
Sofi Invest
Stocks, ETFs, Cryptocurrency
Get one free stock worth up to $1,000
Open an account
A free way to invest in stocks, ETFs and crypto.
Stocks, Options, ETFs
Get one free stock valued between $3.00 and $300 when you open an account, one more with a deposit
Open an account
Margin financing rates start at 3.99%. No monthly subscription fees for margin.
Stocks, ETFs
$0 per month
Download and sign up with; approved accounts receive a free stock slice worth up to $70, selected from 9 popular stocks.
Open an account
Commission-free trading in stocks and ETFs with a social networking twist.
J.P. Morgan Self-Directed Investing
Stocks, Bonds, Options, Mutual funds, ETFs
$0 + $0.65/contract
Stocks, Options, ETFs
Free stock (chosen randomly with a value anywhere between $2.50 and $200)
Sign up using the "go to site" link
Make unlimited commission-free trades in stocks, funds, and options with Robinhood Financial.
Stocks, Options, ETFs
$0 per year
Trade stocks on the US, Hong Kong, Shanghai and Shenzhen markets.

Compare up to 4 providers

*Signup bonus information updated weekly.

The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Upstart stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Upstart price performance over time

Historical closes compared with the close of $146.58 from 2021-05-26

1 week (2021-07-20) N/A
1 month (2021-07-01) 18.29%
3 months (2021-04-30) 34.45%
6 months (2021-01-27) N/A
1 year (2020-07-27) N/A
2 years (2019-07-27) N/A
3 years (2018-07-27) N/A
5 years (2016-07-27) N/A

Is Upstart under- or over-valued?

Valuing Upstart stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Upstart's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Upstart's P/E ratio

Upstart's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 437x. In other words, Upstart shares trade at around 437x recent earnings.

That's relatively high compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The high P/E ratio could mean that investors are optimistic about the outlook for the shares or simply that they're over-valued.

However, Upstart's P/E ratio is best considered in relation to those of others within the credit services industry or those of similar companies.

Upstart's EBITDA

Upstart's EBITDA (earnings before interest, taxes, depreciation and amortisation) is $35.2 million.

The EBITDA is a measure of a Upstart's overall financial performance and is widely used to measure a its profitability.

To put Upstart's EBITDA into context you can compare it against that of similar companies.

Upstart financials

Revenue TTM $296.6 million
Operating margin TTM 10.99%
Gross profit TTM $203.9 million
Return on assets TTM 2.84%
Return on equity TTM 2.78%
Profit margin 4.93%
Book value $4.34
Market capitalisation $9.2 billion

TTM: trailing 12 months

Shorting Upstart shares

There are currently 2.7 million Upstart shares held short by investors – that's known as Upstart's "short interest". This figure is 14.6% down from 3.2 million last month.

There are a few different ways that this level of interest in shorting Upstart shares can be evaluated.

Upstart's "short interest ratio" (SIR)

Upstart's "short interest ratio" (SIR) is the quantity of Upstart shares currently shorted divided by the average quantity of Upstart shares traded daily (recently around 5.4 million). Upstart's SIR currently stands at 0.51. In other words for every 100,000 Upstart shares traded daily on the market, roughly 510 shares are currently held short.

To gain some more context, you can compare Upstart's short interest ratio against those of similar companies.

However Upstart's short interest can also be evaluated against the total number of Upstart shares, or, against the total number of tradable Upstart shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Upstart's short interest could be expressed as 0.04% of the outstanding shares (for every 100,000 Upstart shares in existence, roughly 40 shares are currently held short) or 0.0602% of the tradable shares (for every 100,000 tradable Upstart shares, roughly 60 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Upstart.

Find out more about how you can short Upstart stock.

Upstart share dividends

We're not expecting Upstart to pay a dividend over the next 12 months.

You may also wish to consider:

Upstart overview

Upstart Holdings, Inc. operates a cloud- based artificial intelligence (AI) lending platform. The company's platform aggregates consumer demand for loans and connects it to its network of the company's AI- enabled bank partners. Its platform connects consumers, banks, and institutional investors through a shared AI lending platform. Upstart Holdings, Inc. was incorporated in 2012 and is headquartered in San Mateo, California. .

Frequently asked questions

What percentage of Upstart is owned by insiders or institutions?
Currently 15.816% of Upstart shares are held by insiders and 57.605% by institutions.
How many people work for Upstart?
Latest data suggests 554 work at Upstart.
When does the fiscal year end for Upstart?
Upstart's fiscal year ends in December.
Where is Upstart based?
Upstart's address is: 2950 South Delaware Street, San Mateo, CA, United States, 94403

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site