LC vs. UPST
Compare and contrast key facts about LendingClub Corporation (LC) and Upstart Holdings, Inc. (UPST).
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: LC or UPST.
Correlation
The correlation between LC and UPST is 0.58, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.
Performance
LC vs. UPST - Performance Comparison
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Key characteristics
LC:
0.19
UPST:
0.83
LC:
0.70
UPST:
1.81
LC:
1.09
UPST:
1.21
LC:
0.12
UPST:
0.73
LC:
0.52
UPST:
2.71
LC:
22.28%
UPST:
25.42%
LC:
58.42%
UPST:
105.19%
LC:
-96.84%
UPST:
-96.90%
LC:
-92.42%
UPST:
-87.83%
Fundamentals
LC:
$1.22B
UPST:
$4.57B
LC:
$0.44
UPST:
-$0.73
LC:
1.02
UPST:
6.03
LC:
0.89
UPST:
6.76
LC:
$908.40M
UPST:
$721.43M
LC:
$560.47M
UPST:
$714.41M
LC:
$191.16M
UPST:
-$56.77M
Returns By Period
In the year-to-date period, LC achieves a -34.71% return, which is significantly lower than UPST's -22.90% return.
LC
-34.71%
11.26%
-30.41%
11.26%
-6.86%
13.75%
-19.47%
UPST
-22.90%
16.01%
-30.47%
86.82%
2.02%
N/A
N/A
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Risk-Adjusted Performance
LC vs. UPST — Risk-Adjusted Performance Rank
LC
UPST
LC vs. UPST - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for LendingClub Corporation (LC) and Upstart Holdings, Inc. (UPST). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
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Dividends
LC vs. UPST - Dividend Comparison
Neither LC nor UPST has paid dividends to shareholders.
Drawdowns
LC vs. UPST - Drawdown Comparison
The maximum LC drawdown since its inception was -96.84%, roughly equal to the maximum UPST drawdown of -96.90%. Use the drawdown chart below to compare losses from any high point for LC and UPST. For additional features, visit the drawdowns tool.
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Volatility
LC vs. UPST - Volatility Comparison
The current volatility for LendingClub Corporation (LC) is 19.02%, while Upstart Holdings, Inc. (UPST) has a volatility of 22.81%. This indicates that LC experiences smaller price fluctuations and is considered to be less risky than UPST based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Financials
LC vs. UPST - Financials Comparison
This section allows you to compare key financial metrics between LendingClub Corporation and Upstart Holdings, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
LC vs. UPST - Profitability Comparison
LC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, LendingClub Corporation reported a gross profit of 168.63M and revenue of 299.81M. Therefore, the gross margin over that period was 56.3%.
UPST - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, Upstart Holdings, Inc. reported a gross profit of 213.37M and revenue of 220.39M. Therefore, the gross margin over that period was 96.8%.
LC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, LendingClub Corporation reported an operating income of 125.28M and revenue of 299.81M, resulting in an operating margin of 41.8%.
UPST - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, Upstart Holdings, Inc. reported an operating income of -2.42M and revenue of 220.39M, resulting in an operating margin of -1.1%.
LC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, LendingClub Corporation reported a net income of 11.67M and revenue of 299.81M, resulting in a net margin of 3.9%.
UPST - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, Upstart Holdings, Inc. reported a net income of -2.45M and revenue of 220.39M, resulting in a net margin of -1.1%.