Upstart Holdings, Inc. (UPST)

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The chart shows the growth of an initial investment of $10,000 in Upstart Holdings, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.

Upstart Holdings, Inc. (UPST) has returned -41.34% so far this year and -44.28% over the past 12 months.

Based on dividend-adjusted daily data since Dec 16, 2020, UPST's average daily return is +0.24%, while the average monthly return is +4.84%. At this rate, your investment would double in approximately 1.2 years.

Historically, 44% of months were positive and 56% were negative. The best month was Mar 2021 with a return of +96.3%, while the worst month was Aug 2023 at -53.2%. The longest winning streak lasted 4 consecutive months, and the longest losing streak was 8 months.

On a daily basis, UPST closed higher 48% of trading days. The best single day was Mar 18, 2021 with a return of +89.3%, while the worst single day was May 10, 2022 at -56.4%.

Upstart Holdings, Inc. has an annualized alpha of 31.24%, beta of 2.81, and R² of 0.17 versus S&P 500 Index. Calculated based on daily prices since December 17, 2020.

• This stock captured 264.75% of S&P 500 Index gains and 219.46% of its losses — amplifying both gains and losses, but participating more in upside than downside.
• R² of 0.17 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

UPST ranks 18 for risk / return — in the bottom 18% of stocks on our site. This means you're taking on significantly more risk than the returns justify. Consider whether the potential upside is worth the volatility, or explore alternatives with better risk / return profiles.

The table below present risk-adjusted performance metrics for Upstart Holdings, Inc. (UPST) and compare them to a chosen benchmark (S&P 500 Index).

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.

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 93.42%.

The chart below shows the rolling one-month volatility.

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.

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.