- ISIN
- US91680M1071
- CUSIP
- 91680M107
- Sector
- Financial Services
- Industry
- Credit Services
- IPO Date
- Dec 16, 2020
Highlights
- Market Cap
- $3.03B
- Enterprise Value
- $2.56B
- EPS (TTM)
- $0.47
- PE Ratio
- 66.84
- PEG Ratio
- 0.28
- Total Revenue (TTM)
- $1.16B
- Gross Profit (TTM)
- $810.61M
- EBITDA (TTM)
- $67.66M
- Year Range
- $23.97 - $87.30
- Target Price
- $38.00
- ROA (TTM)
- 1.67%
- ROE (TTM)
- 6.74%
Share Price Chart
Loading charts...
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Performance
UPST Performance Chart
Upstart Holdings, Inc. (UPST) is down 28.4% since the beginning of the year. At $31 per share, UPST is trading 64.1% below its 52-week high of $87. Investors who bought $1,000 worth of UPST shares 5 years ago would now be looking at an investment worth $250.
Loading charts...
Returns By Period
Upstart Holdings, Inc. (UPST) has returned -28.38% so far this year and -46.01% over the past 12 months.
Upstart Holdings, Inc.
- 1D
- -3.42%
- 1M
- 9.66%
- YTD
- -28.38%
- 6M
- -35.78%
- 1Y
- -46.01%
- 3Y*
- 1.31%
- 5Y*
- -24.20%
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
UPST Monthly Returns History
Based on dividend-adjusted daily data since Dec 16, 2020, UPST's average daily return is +0.26%, while the average monthly return is +5.24%. At this rate, an investment would double in approximately 1.1 years.
Historically, 45% of months were positive and 55% 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%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -10.24% | -30.62% | -5.80% | 23.12% | 7.00% | -7.31% | -28.38% | ||||||
| 2025 | 5.16% | 2.97% | -30.96% | 3.85% | -1.32% | 37.12% | 26.38% | -10.35% | -30.68% | -6.46% | -5.39% | -2.74% | -28.98% |
| 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% |
Benchmark Metrics
Upstart Holdings, Inc. has an annualized alpha of 29.79%, beta of 2.80, and R2 of 0.17 versus S&P 500 Index. Calculated based on daily prices since December 16, 2020.
- This stock captured 279.88% of S&P 500 Index gains and 222.43% 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.
- Alpha
- 29.79%
- Beta
- 2.80
- R²
- 0.17
- Upside Capture
- 279.88%
- Downside Capture
- 222.43%
Return for Risk
Risk / Return Rank
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.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Upstart Holdings, Inc. (UPST) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| UPST | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -2.68 | ||
| Sortino ratioReturn per unit of downside risk | -3.45 | ||
| Omega ratioGain probability vs. loss probability | 0.92 | 1.37 | -0.45 |
| Calmar ratioReturn relative to maximum drawdown | -0.65 | 2.78 | -3.43 |
| Martin ratioReturn relative to average drawdown | -0.95 | 12.44 | -13.39 |
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.
Loading charts...
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 91.97%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2023 bear market2023 | -96.90%May 2023 | 1y 6mo | — | 4y 8moOct 2021 - now |
2021 bear market2021 | -54.13%Mar 2021 | 20d | 10d | 1moFeb 2021 - Mar 2021 |
2021 bear market2021 | -49.02%May 2021 | 1mo 21d | 14d | 2mo 5dMar 2021 - May 2021 |
2021 bear market2021 | -33.48%Jul 2021 | 1mo 7d | 27d | 2mo 4dJun 2021 - Aug 2021 |
2020 correction2020 | -18.75%Dec 2020 | 7d | 6d | 13dDec 2020 - Jan 2021 |
Drawdown Indicators
| UPST | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.90% | -56.78% | -40.12% |
Max Drawdown (1Y)Largest decline over 1 year | -71.21% | -9.10% | -62.11% |
Max Drawdown (3Y)Largest decline over 3 years | -72.72% | -18.90% | -53.82% |
Max Drawdown (5Y)Largest decline over 5 years | -96.90% | -25.43% | -71.47% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -91.97% | -1.80% | -90.17% |
Average DrawdownAverage peak-to-trough decline | -76.24% | -10.71% | -65.53% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 48.62% | 2.03% | +46.59% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
Loading charts...
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.
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.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for UPST, comparing it with other companies in the Credit Services industry. Currently, UPST has a P/E ratio of 66.8. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for UPST compared to other companies in the Credit Services industry. UPST currently has a PEG ratio of 0.3. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
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 2.8. 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 4.1. 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
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
Build a portfolio with UPST
Add Upstart Holdings, Inc. to a portfolio and analyze allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Analyzer with UPST