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

TREE vs. UPST

Last updated May 21, 2025

Compare and contrast key facts about LendingTree, Inc. (TREE) and Upstart Holdings, Inc. (UPST).

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

Correlation

The correlation between TREE and UPST is 0.53, 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

TREE vs. UPST - Performance Comparison

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

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Key characteristics

Sharpe Ratio

TREE:

-0.23

UPST:

0.79

Sortino Ratio

TREE:

0.17

UPST:

1.96

Omega Ratio

TREE:

1.02

UPST:

1.23

Calmar Ratio

TREE:

-0.20

UPST:

0.87

Martin Ratio

TREE:

-0.79

UPST:

3.21

Ulcer Index

TREE:

23.02%

UPST:

25.59%

Daily Std Dev

TREE:

76.01%

UPST:

105.00%

Max Drawdown

TREE:

-97.59%

UPST:

-96.90%

Current Drawdown

TREE:

-91.31%

UPST:

-88.04%

Fundamentals

Market Cap

TREE:

$509.60M

UPST:

$4.52B

EPS

TREE:

-$4.14

UPST:

-$0.73

PS Ratio

TREE:

0.52

UPST:

5.95

PB Ratio

TREE:

4.95

UPST:

6.67

Total Revenue (TTM)

TREE:

$972.18M

UPST:

$721.43M

Gross Profit (TTM)

TREE:

$934.74M

UPST:

$714.41M

EBITDA (TTM)

TREE:

$75.36M

UPST:

-$56.77M

Returns By Period

In the year-to-date period, TREE achieves a -2.84% return, which is significantly higher than UPST's -24.25% return.

TREE

YTD

-2.84%

1M

-16.11%

6M

-12.32%

1Y

-17.45%

3Y*

-15.75%

5Y*

-31.91%

10Y*

-4.06%

UPST

YTD

-24.25%

1M

13.98%

6M

-34.41%

1Y

82.47%

3Y*

1.43%

5Y*

N/A

10Y*

N/A

*Annualized

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LendingTree, Inc.

Upstart Holdings, Inc.

Risk-Adjusted Performance

TREE vs. UPST — Risk-Adjusted Performance Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
TREE
The Risk-Adjusted Performance Rank of TREE is 3838
Overall Rank
The Sharpe Ratio Rank of TREE is 3939
Sharpe Ratio Rank
The Sortino Ratio Rank of TREE is 4141
Sortino Ratio Rank
The Omega Ratio Rank of TREE is 4040
Omega Ratio Rank
The Calmar Ratio Rank of TREE is 3838
Calmar Ratio Rank
The Martin Ratio Rank of TREE is 3333
Martin Ratio Rank
UPST
The Risk-Adjusted Performance Rank of UPST is 8181
Overall Rank
The Sharpe Ratio Rank of UPST is 7979
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 8181
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.

TREE vs. UPST - Risk-Adjusted Performance Comparison

This table presents a comparison of risk-adjusted performance metrics for LendingTree, Inc. (TREE) 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 TREE Sharpe Ratio is -0.23, which is lower than the UPST Sharpe Ratio of 0.79. The chart below compares the historical Sharpe Ratios of TREE 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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Dividends

TREE vs. UPST - Dividend Comparison

Neither TREE nor UPST has paid dividends to shareholders.

Tickers have no history of dividend payments

Drawdowns

TREE vs. UPST - Drawdown Comparison

The maximum TREE drawdown since its inception was -97.59%, roughly equal to the maximum UPST drawdown of -96.90%. Use the drawdown chart below to compare losses from any high point for TREE and UPST. For additional features, visit the drawdowns tool.

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Volatility

TREE vs. UPST - Volatility Comparison

LendingTree, Inc. (TREE) has a higher volatility of 30.08% compared to Upstart Holdings, Inc. (UPST) at 22.65%. This indicates that TREE'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

TREE vs. UPST - Financials Comparison

This section allows you to compare key financial metrics between LendingTree, Inc. 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
239.73M
220.39M
(TREE) Total Revenue
(UPST) Total Revenue
Values in USD except per share items

TREE vs. UPST - Profitability Comparison

The chart below illustrates the profitability comparison between LendingTree, Inc. 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
60.0%70.0%80.0%90.0%100.0%20212022202320242025
95.9%
96.8%
(TREE) Gross Margin
(UPST) Gross Margin
TREE - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, LendingTree, Inc. reported a gross profit of 229.82M and revenue of 239.73M. Therefore, the gross margin over that period was 95.9%.

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%.

TREE - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, LendingTree, Inc. reported an operating income of -7.11M and revenue of 239.73M, resulting in an operating margin of -3.0%.

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%.

TREE - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, LendingTree, Inc. reported a net income of -12.38M and revenue of 239.73M, resulting in a net margin of -5.2%.

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%.