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PGY vs. UPST
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Correlation

The correlation between PGY and UPST is 0.41, 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.

PGY vs. UPST

Last updated May 27, 2025

Compare and contrast key facts about Pagaya Technologies Ltd. (PGY) and Upstart Holdings, Inc. (UPST).

Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: PGY or UPST.

Performance

PGY vs. UPST - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Pagaya Technologies Ltd. (PGY) and Upstart Holdings, Inc. (UPST). The values are adjusted to include any dividend payments, if applicable.

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Key characteristics

Sharpe Ratio

PGY:

0.39

UPST:

0.92

Sortino Ratio

PGY:

1.16

UPST:

1.97

Omega Ratio

PGY:

1.15

UPST:

1.23

Calmar Ratio

PGY:

0.36

UPST:

0.88

Martin Ratio

PGY:

1.17

UPST:

3.19

Ulcer Index

PGY:

29.63%

UPST:

26.12%

Daily Std Dev

PGY:

97.58%

UPST:

105.16%

Max Drawdown

PGY:

-98.09%

UPST:

-96.90%

Current Drawdown

PGY:

-95.63%

UPST:

-88.39%

Fundamentals

Market Cap

PGY:

$1.19B

UPST:

$4.31B

EPS

PGY:

-$5.23

UPST:

-$0.73

PS Ratio

PGY:

1.11

UPST:

5.67

PB Ratio

PGY:

3.55

UPST:

6.36

Total Revenue (TTM)

PGY:

$1.06B

UPST:

$721.43M

Gross Profit (TTM)

PGY:

$424.10M

UPST:

$714.41M

EBITDA (TTM)

PGY:

$109.85M

UPST:

-$56.77M

Returns By Period

In the year-to-date period, PGY achieves a 69.21% return, which is significantly higher than UPST's -26.49% return.

PGY

YTD

69.21%

1M

40.23%

6M

49.71%

1Y

35.28%

3Y*

N/A

5Y*

N/A

10Y*

N/A

UPST

YTD

-26.49%

1M

-7.03%

6M

-43.08%

1Y

93.83%

3Y*

6.80%

5Y*

N/A

10Y*

N/A

*Annualized

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Pagaya Technologies Ltd.

Upstart Holdings, Inc.

Go deeper with the Portfolio Analysis tool — backtest performance, assess risk, compare to benchmarks, and more

Risk-Adjusted Performance

PGY vs. UPST — Risk-Adjusted Performance Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
PGY
The Risk-Adjusted Performance Rank of PGY is 6969
Overall Rank
The Sharpe Ratio Rank of PGY is 6767
Sharpe Ratio Rank
The Sortino Ratio Rank of PGY is 7171
Sortino Ratio Rank
The Omega Ratio Rank of PGY is 7070
Omega Ratio Rank
The Calmar Ratio Rank of PGY is 6868
Calmar Ratio Rank
The Martin Ratio Rank of PGY is 6767
Martin Ratio Rank
UPST
The Risk-Adjusted Performance Rank of UPST is 8282
Overall Rank
The Sharpe Ratio Rank of UPST is 8181
Sharpe Ratio Rank
The Sortino Ratio Rank of UPST is 8585
Sortino Ratio Rank
The Omega Ratio Rank of UPST is 8181
Omega Ratio Rank
The Calmar Ratio Rank of UPST is 8282
Calmar Ratio Rank
The Martin Ratio Rank of UPST is 8080
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

PGY vs. UPST - Risk-Adjusted Performance Comparison

This table presents a comparison of risk-adjusted performance metrics for Pagaya Technologies Ltd. (PGY) 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.

The current PGY Sharpe Ratio is 0.39, which is lower than the UPST Sharpe Ratio of 0.92. The chart below compares the historical Sharpe Ratios of PGY and UPST, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

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Go to the full Sharpe Ratio tool to analyze any stock or portfolio. Customize time frames, set your own risk-free rate, and more

Dividends

PGY vs. UPST - Dividend Comparison

Neither PGY nor UPST has paid dividends to shareholders.

Tickers have no history of dividend payments

Drawdowns

PGY vs. UPST - Drawdown Comparison

The maximum PGY drawdown since its inception was -98.09%, roughly equal to the maximum UPST drawdown of -96.90%. Use the drawdown chart below to compare losses from any high point for PGY and UPST.

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Go to the full Drawdowns tool for more analysis options, including inflation-adjusted drawdowns, and more

Volatility

PGY vs. UPST - Volatility Comparison

Pagaya Technologies Ltd. (PGY) has a higher volatility of 26.39% compared to Upstart Holdings, Inc. (UPST) at 22.07%. This indicates that PGY's price experiences larger fluctuations and is considered to be riskier than UPST based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Financials

PGY vs. UPST - Financials Comparison

This section allows you to compare key financial metrics between Pagaya Technologies Ltd. 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.

Quarterly
Annual

Total Revenue: Total amount of money received from sales and other business activities

0.0050.00M100.00M150.00M200.00M250.00M300.00M350.00M20212022202320242025
289.99M
220.39M
(PGY) Total Revenue
(UPST) Total Revenue
Values in USD except per share items

PGY vs. UPST - Profitability Comparison

The chart below illustrates the profitability comparison between Pagaya Technologies Ltd. and Upstart Holdings, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.
Gross Margin
Operating Margin
Net Margin
Quarterly
Annual
20.0%40.0%60.0%80.0%100.0%20212022202320242025
39.9%
96.8%
(PGY) Gross Margin
(UPST) Gross Margin
PGY - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, Pagaya Technologies Ltd. reported a gross profit of 115.62M and revenue of 289.99M. Therefore, the gross margin over that period was 39.9%.

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%.

PGY - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, Pagaya Technologies Ltd. reported an operating income of 47.69M and revenue of 289.99M, resulting in an operating margin of 16.4%.

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%.

PGY - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, Pagaya Technologies Ltd. reported a net income of 7.89M and revenue of 289.99M, resulting in a net margin of 2.7%.

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%.