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Upstart Holdings Inc (UPST) is a publicly traded credit services business based in the US which employs around 1,200 staff. Upstart is listed on the NASDAQ and traded in US dollars.
How to buy shares in Upstart
- Open a brokerage account. Choose from our top broker picks or compare brokers in depth. To trade US shares you'll need to complete a W8-BEN form – typically part of the sign-up process.
- Fund your account. Add money to your account via bank transfer or debit card.
- Search the platform by ticker symbol. UPST in this case.
- Choose an order type. Place a market order (or limit order, if you want to try to hold out for a specific price) with your preferred number of shares or investment amount.
- Submit the order. It's that simple.
The whole process can take as little as 15 minutes. You'll need a smartphone or computer, an internet connection, your passport or driving licence and a means of payment.
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Upstart stock chart
Use our graph to track the performance of UPST stock over time.These providers cover a wide range of stocks, but we can't guarantee they'll all offer this stock.
All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.
Is it a good time to buy Upstart stock?
Review technicals and fundamentals to help you determine if now's a good time for you to invest.
Technical analysis
View Upstart's price performance, share price volatility, historical data and technicals.
The gauge below shows real-time ratings that are based on 26 popular indicators such as moving averages, for specific time periods. It's not a recommendation but is simply technical analysis that can form part of your research.
Finder might not agree with the analysis and we take no responsibility. We also give no representations or warranty on the accuracy or completeness of the information provided on this page.
Historical closes compared with the last close of $45.3
| 1 week (2025-11-25) | 7.70% |
|---|---|
| 1 month (2025-11-03) | -2.03% |
| 3 months (2025-09-03) | -31.23% |
| 6 months (2025-06-03) | -10.58% |
| 1 year (2024-12-03) | -39.30% |
| 2 years (2023-12-03) | 32.11% |
| 3 years (2022-12-01) | 142.64% |
| 5 years (2020-11-27) |
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Is Upstart under- or over-valued?
Valuing a stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of overall performance. However, analysts commonly use some key metrics to help gauge value. Check out the Upstart P/E ratio, PEG ratio and EBITDA.
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 173x. In other words, Upstart's shares trade at around 173x recent earnings.
That's relatively high compared to, say, the trailing 12-month P/E ratio for the United States stock markets on average as of March 2025 (25.37). 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 industry or those of similar companies.
- Lendingtree (TREE.US): 53.80
- LendingClub (LC.US): 20.34
Upstart's EBITDA (earnings before interest, taxes, depreciation and amortisation) is $73.1 million (£55.2 million).
The EBITDA is a measure of Upstart's overall financial performance and is widely used to measure a its profitability.
To put that into context you can compare it against similar companies.
- Lendingtree (TREE.US): USD$85.9 million
- LendingClub (LC.US): USD$204 million
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