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UPST vs. LC
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Performance

UPST vs. LC - Performance Comparison

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

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UPST vs. LC - Yearly Performance Comparison


2026 (YTD)202520242023202220212020
UPST
Upstart Holdings, Inc.
-41.34%-28.98%50.69%209.08%-91.26%271.29%38.28%
LC
LendingClub Corporation
-24.39%16.99%85.24%-0.68%-63.61%128.98%18.65%

Fundamentals

Market Cap

UPST:

$2.88B

LC:

$1.70B

EPS

UPST:

$0.50

LC:

$1.15

PE Ratio

UPST:

51.81

LC:

12.41

PEG Ratio

UPST:

0.22

LC:

0.03

PS Ratio

UPST:

2.66

LC:

1.55

PB Ratio

UPST:

3.60

LC:

1.13

Total Revenue (TTM)

UPST:

$1.04B

LC:

$1.08B

Gross Profit (TTM)

UPST:

$700.93M

LC:

$623.28M

EBITDA (TTM)

UPST:

$72.99M

LC:

$393.36M

Returns By Period

In the year-to-date period, UPST achieves a -41.34% return, which is significantly lower than LC's -24.39% return.


UPST

1D
5.90%
1M
-5.80%
YTD
-41.34%
6M
-49.51%
1Y
-44.28%
3Y*
17.31%
5Y*
-29.21%
10Y*

LC

1D
3.69%
1M
-3.96%
YTD
-24.39%
6M
-5.73%
1Y
38.76%
3Y*
25.70%
5Y*
-2.68%
10Y*
-9.81%
*Multi-year figures are annualized to reflect compound growth (CAGR)

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Return for Risk

UPST vs. LC — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

UPST
UPST Risk / Return Rank: 1919
Overall Rank
UPST Sharpe Ratio Rank: 1616
Sharpe Ratio Rank
UPST Sortino Ratio Rank: 2020
Sortino Ratio Rank
UPST Omega Ratio Rank: 2121
Omega Ratio Rank
UPST Calmar Ratio Rank: 2020
Calmar Ratio Rank
UPST Martin Ratio Rank: 2020
Martin Ratio Rank

LC
LC Risk / Return Rank: 6464
Overall Rank
LC Sharpe Ratio Rank: 6565
Sharpe Ratio Rank
LC Sortino Ratio Rank: 6363
Sortino Ratio Rank
LC Omega Ratio Rank: 6363
Omega Ratio Rank
LC Calmar Ratio Rank: 6363
Calmar Ratio Rank
LC Martin Ratio Rank: 6666
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

UPST vs. LC - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Upstart Holdings, Inc. (UPST) and LendingClub Corporation (LC). 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.


UPSTLCDifference

Sharpe ratio

Return per unit of total volatility

-0.58

0.65

-1.23

Sortino ratio

Return per unit of downside risk

-0.50

1.25

-1.75

Omega ratio

Gain probability vs. loss probability

0.94

1.17

-0.23

Calmar ratio

Return relative to maximum drawdown

-0.64

0.98

-1.62

Martin ratio

Return relative to average drawdown

-1.19

2.69

-3.88

UPST vs. LC - Sharpe Ratio Comparison

The current UPST Sharpe Ratio is -0.58, which is lower than the LC Sharpe Ratio of 0.65. The chart below compares the historical Sharpe Ratios of UPST and LC, 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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Sharpe Ratios by Period


UPSTLCDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

-0.58

0.65

-1.23

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

-0.28

-0.04

-0.24

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

-0.15

Sharpe Ratio (All Time)

Calculated using the full available price history

-0.02

-0.27

+0.25

Correlation

The correlation between UPST and LC 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.


Dividends

UPST vs. LC - Dividend Comparison

Neither UPST nor LC has paid dividends to shareholders.


Tickers have no history of dividend payments

Drawdowns

UPST vs. LC - Drawdown Comparison

The maximum UPST drawdown since its inception was -96.90%, roughly equal to the maximum LC drawdown of -96.84%. Use the drawdown chart below to compare losses from any high point for UPST and LC.


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Drawdown Indicators


UPSTLCDifference

Max Drawdown

Largest peak-to-trough decline

-96.90%

-96.84%

-0.06%

Max Drawdown (1Y)

Largest decline over 1 year

-71.21%

-38.28%

-32.93%

Max Drawdown (5Y)

Largest decline over 5 years

-96.90%

-89.48%

-7.42%

Max Drawdown (10Y)

Largest decline over 10 years

-89.48%

Current Drawdown

Current decline from peak

-93.42%

-89.73%

-3.69%

Average Drawdown

Average peak-to-trough decline

-75.62%

-83.52%

+7.90%

Ulcer Index

Depth and duration of drawdowns from previous peaks

38.57%

13.95%

+24.62%

Volatility

UPST vs. LC - Volatility Comparison

Upstart Holdings, Inc. (UPST) has a higher volatility of 17.57% compared to LendingClub Corporation (LC) at 13.31%. This indicates that UPST's price experiences larger fluctuations and is considered to be riskier than LC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.


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Volatility by Period


UPSTLCDifference

Volatility (1M)

Calculated over the trailing 1-month period

17.57%

13.31%

+4.26%

Volatility (6M)

Calculated over the trailing 6-month period

50.18%

43.88%

+6.30%

Volatility (1Y)

Calculated over the trailing 1-year period

76.83%

60.17%

+16.66%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

105.56%

65.48%

+40.08%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

115.23%

64.87%

+50.36%

Financials

UPST vs. LC - Financials Comparison

This section allows you to compare key financial metrics between Upstart Holdings, Inc. and LendingClub 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.


Quarterly
Annual

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


100.00M150.00M200.00M250.00M300.00M350.00MAprilJulyOctober2022AprilJulyOctober2023AprilJulyOctober2024AprilJulyOctober2025AprilJulyOctober
280.28M
103.44M
(UPST) Total Revenue
(LC) Total Revenue
Values in USD except per share items

UPST vs. LC - Profitability Comparison

The chart below illustrates the profitability comparison between Upstart Holdings, Inc. and LendingClub Corporation over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

Gross Margin
Operating Margin
Net Margin
Quarterly
Annual

0.0%20.0%40.0%60.0%80.0%100.0%AprilJulyOctober2022AprilJulyOctober2023AprilJulyOctober2024AprilJulyOctober2025AprilJulyOctober0
25.1%
Portfolio components
UPST - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Upstart Holdings, Inc. reported a gross profit of 0.00 and revenue of 280.28M. Therefore, the gross margin over that period was 0.0%.

LC - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, LendingClub Corporation reported a gross profit of 26.00M and revenue of 103.44M. Therefore, the gross margin over that period was 25.1%.

UPST - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Upstart Holdings, Inc. reported an operating income of 18.92M and revenue of 280.28M, resulting in an operating margin of 6.8%.

LC - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, LendingClub Corporation reported an operating income of -19.68M and revenue of 103.44M, resulting in an operating margin of -19.0%.

UPST - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Upstart Holdings, Inc. reported a net income of 18.64M and revenue of 280.28M, resulting in a net margin of 6.7%.

LC - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, LendingClub Corporation reported a net income of 41.55M and revenue of 103.44M, resulting in a net margin of 40.2%.