Upstart Holdings, Inc. (UPST)
Company Info
Highlights
$4.31B
-$0.73
$721.43M
$714.41M
-$56.77M
$20.60 - $96.43
$59.29
28.08%
3.65
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
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Returns By Period
Upstart Holdings, Inc. (UPST) returned -26.49% year-to-date (YTD) and 93.83% over the past 12 months.
UPST
-26.49%
-7.03%
-38.89%
93.83%
6.80%
N/A
N/A
^GSPC (Benchmark)
-1.34%
5.02%
-2.79%
9.39%
13.76%
14.45%
10.68%
Monthly Returns
The table below presents the monthly returns of UPST, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 5.16% | 2.97% | -30.96% | 3.85% | -5.31% | -26.49% | |||||||
| 2024 | -22.27% | -18.92% | 4.43% | -17.70% | 11.70% | -4.57% | 18.40% | 52.17% | -5.86% | 21.67% | 61.85% | -21.86% | 50.69% |
| 2023 | 41.30% | -0.91% | -14.15% | -12.52% | 95.97% | 31.46% | 91.82% | -53.17% | -11.28% | -15.80% | 11.36% | 52.69% | 209.08% |
| 2022 | -27.95% | 44.93% | -30.95% | -31.23% | -32.82% | -37.26% | -23.06% | 6.45% | -19.73% | 11.50% | -15.66% | -32.38% | -91.26% |
| 2021 | 52.61% | 5.55% | 96.31% | -15.40% | 35.96% | -15.73% | -3.31% | 89.73% | 38.11% | 1.77% | -36.38% | -26.16% | 271.29% |
| 2020 | 38.28% | 38.28% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 82, UPST is among the top 18% of stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Upstart Holdings, Inc. (UPST) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
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Dividends
Dividend History
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Upstart Holdings, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Upstart Holdings, Inc. was 96.90%, occurring on May 2, 2023. The portfolio has not yet recovered.
The current Upstart Holdings, Inc. drawdown is 88.39%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -96.9% | Oct 18, 2021 | 387 | May 2, 2023 | — | — | — |
| -54.13% | Feb 16, 2021 | 15 | Mar 8, 2021 | 8 | Mar 18, 2021 | 23 |
| -49.02% | Mar 23, 2021 | 37 | May 13, 2021 | 10 | May 27, 2021 | 47 |
| -33.48% | Jun 8, 2021 | 27 | Jul 15, 2021 | 19 | Aug 11, 2021 | 46 |
| -18.75% | Dec 23, 2020 | 5 | Dec 30, 2020 | 3 | Jan 5, 2021 | 8 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Upstart Holdings, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Earnings Per Share
The chart presents the Earnings Per Share (EPS) performance of Upstart Holdings, Inc., comparing actual results with analytics estimates. The company has exceeded analyst expectations for EPS in the past quarter, achieving a 75.8% positive surprise.
Valuation
The Valuation section provides an overview of how Upstart Holdings, Inc. is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for UPST relative to other companies in the Credit Services industry. Currently, UPST has a P/S ratio of 5.7. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for UPST in comparison with other companies in the Credit Services industry. Currently, UPST has a P/B value of 6.4. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.
Income Statement
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