UPST vs. GDOT
UPST (Upstart Holdings, Inc.) and GDOT (Green Dot Corporation) are both stocks. Both operate in the Credit Services industry within the Financial Services sector. Over the past 5 years, UPST returned -27.28%/yr vs -21.98%/yr for GDOT. At a 0.42 correlation, their price movements are largely independent.
Performance
UPST vs. GDOT - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, UPST achieves a -29.11% return, which is significantly lower than GDOT's -0.47% return.
UPST
- 1D
- 4.24%
- 1M
- 7.04%
- YTD
- -29.11%
- 6M
- -33.92%
- 1Y
- -42.94%
- 3Y*
- -1.15%
- 5Y*
- -27.28%
- 10Y*
- —
GDOT
- 1D
- 0.71%
- 1M
- 1.03%
- YTD
- -0.47%
- 6M
- -1.92%
- 1Y
- 33.09%
- 3Y*
- -12.68%
- 5Y*
- -21.98%
- 10Y*
- -5.43%
UPST vs. GDOT - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
UPST Upstart Holdings, Inc. | -29.11% | -28.98% | 50.69% | 209.08% | -91.26% | 271.29% | 38.28% |
GDOT Green Dot Corporation | -0.47% | 20.39% | 7.47% | -37.42% | -56.35% | -35.05% | -1.52% |
Correlation
The correlation between UPST and GDOT is 0.37, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.37 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.40 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.43 |
Correlation (All Time) Calculated using the full available price history since Dec 17, 2020 | 0.42 |
Fundamentals
UPST:
$3.00B
GDOT:
$739.70M
UPST:
$0.47
GDOT:
-$1.27
UPST:
2.81
GDOT:
0.33
UPST:
4.10
GDOT:
0.79
UPST:
$1.16B
GDOT:
$2.18B
UPST:
$810.61M
GDOT:
$323.19M
UPST:
$67.66M
GDOT:
$130.03M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
UPST vs. GDOT — Risk / Return Rank
UPST
GDOT
UPST vs. GDOT - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Upstart Holdings, Inc. (UPST) and Green Dot Corporation (GDOT). 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.
| UPST | GDOT | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.28 | ||
| Sortino ratioReturn per unit of downside risk | -2.32 | ||
| Omega ratioGain probability vs. loss probability | 0.93 | 1.20 | -0.27 |
| Calmar ratioReturn relative to maximum drawdown | -0.60 | 1.07 | -1.68 |
| Martin ratioReturn relative to average drawdown | -0.91 | 1.91 | -2.82 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading charts...
Sharpe Ratios by Period
| UPST | GDOT | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -0.61 | 0.68 | -1.28 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.26 | -0.43 | +0.17 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | -0.10 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.01 | -0.14 | +0.15 |
Drawdowns
UPST vs. GDOT - Drawdown Comparison
The maximum UPST drawdown since its inception was -96.90%, roughly equal to the maximum GDOT drawdown of -93.17%. Use the drawdown chart below to compare losses from any high point for UPST and GDOT.
Loading charts...
Drawdown Indicators
| UPST | GDOT | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.90% | -93.17% | -3.73% |
Max Drawdown (1Y)Largest decline over 1 year | -71.21% | -30.95% | -40.26% |
Max Drawdown (3Y)Largest decline over 3 years | -72.72% | -69.62% | -3.10% |
Max Drawdown (5Y)Largest decline over 5 years | -96.90% | -88.43% | -8.47% |
Max Drawdown (10Y)Largest decline over 10 years | — | -93.17% | — |
Current DrawdownCurrent decline from peak | -92.05% | -86.27% | -5.78% |
Average DrawdownAverage peak-to-trough decline | -76.19% | -60.24% | -15.95% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 47.16% | 17.37% | +29.79% |
Volatility
UPST vs. GDOT - Volatility Comparison
Upstart Holdings, Inc. (UPST) has a higher volatility of 21.23% compared to Green Dot Corporation (GDOT) at 5.85%. This indicates that UPST's price experiences larger fluctuations and is considered to be riskier than GDOT based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| UPST | GDOT | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 21.23% | 5.85% | +15.38% |
Volatility (6M)Calculated over the trailing 6-month period | 50.15% | 17.45% | +32.70% |
Volatility (1Y)Calculated over the trailing 1-year period | 71.16% | 49.13% | +22.03% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 103.83% | 50.96% | +52.87% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 114.00% | 52.34% | +61.66% |
Dividends
UPST vs. GDOT - Dividend Comparison
Neither UPST nor GDOT has paid dividends to shareholders.
Financials
UPST vs. GDOT - Financials Comparison
This section allows you to compare key financial metrics between Upstart Holdings, Inc. and Green Dot Corporation. 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
UPST vs. GDOT - Profitability Comparison
UPST - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Upstart Holdings, Inc. reported a gross profit of 0.00 and revenue of 308.21M. Therefore, the gross margin over that period was 0.0%.
GDOT - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Green Dot Corporation reported a gross profit of 0.00 and revenue of 656.25M. Therefore, the gross margin over that period was 0.0%.
UPST - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Upstart Holdings, Inc. reported an operating income of -7.52M and revenue of 308.21M, resulting in an operating margin of -2.4%.
GDOT - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Green Dot Corporation reported an operating income of 69.04M and revenue of 656.25M, resulting in an operating margin of 10.5%.
UPST - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Upstart Holdings, Inc. reported a net income of -6.65M and revenue of 308.21M, resulting in a net margin of -2.2%.
GDOT - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Green Dot Corporation reported a net income of 53.75M and revenue of 656.25M, resulting in a net margin of 8.2%.
Frequently Asked Questions
UPST and GDOT have a correlation of 0.37, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
UPST has higher volatility (21.23%) compared to GDOT (5.85%). In terms of maximum drawdown, UPST dropped -96.90% vs GDOT's -93.17%.
GDOT currently has the higher Sharpe Ratio (0.68 vs -0.61), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for UPST and GDOT
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer