UPST vs. ORLY
UPST (Upstart Holdings, Inc.) and ORLY (O'Reilly Automotive, Inc.) are both stocks. UPST operates in Credit Services (Financial Services), while ORLY operates in Specialty Retail (Consumer Cyclical). Over the past 5 years, UPST returned -27.28%/yr vs 20.39%/yr for ORLY. At a 0.07 correlation, their price movements are largely independent.
Performance
UPST vs. ORLY - Performance Comparison
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Returns By Period
In the year-to-date period, UPST achieves a -29.11% return, which is significantly lower than ORLY's -2.40% return.
UPST
- 1D
- 4.24%
- 1M
- 7.04%
- YTD
- -29.11%
- 6M
- -33.92%
- 1Y
- -42.94%
- 3Y*
- -1.15%
- 5Y*
- -27.28%
- 10Y*
- —
ORLY
- 1D
- -1.45%
- 1M
- -4.24%
- YTD
- -2.40%
- 6M
- -9.27%
- 1Y
- -3.08%
- 3Y*
- 13.76%
- 5Y*
- 20.39%
- 10Y*
- 17.73%
UPST vs. ORLY - 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% | 56.73% |
ORLY O'Reilly Automotive, Inc. | -2.40% | 15.38% | 24.81% | 12.56% | 19.51% | 56.05% | 0.78% |
Correlation
The correlation between UPST and ORLY is -0.10, meaning they tend to move in opposite directions. This is especially valuable for risk management - when one declines, the other has historically tended to hold steady or rise.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | -0.10 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.03 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.08 |
Correlation (All Time) Calculated using the full available price history since Dec 16, 2020 | 0.07 |
The correlation between UPST and ORLY shifts across timeframes, from -0.10 (1 year) to 0.08 (5 years), reflecting how their relationship changes across market environments.
Fundamentals
UPST:
$3.00B
ORLY:
$75.00B
UPST:
$0.47
ORLY:
$3.06
UPST:
66.16
ORLY:
29.10
UPST:
0.28
ORLY:
3.13
UPST:
2.81
ORLY:
4.16
UPST:
$1.16B
ORLY:
$18.21B
UPST:
$810.61M
ORLY:
$9.40B
UPST:
$67.66M
ORLY:
$3.96B
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Return for Risk
UPST vs. ORLY — Risk / Return Rank
UPST
ORLY
UPST vs. ORLY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Upstart Holdings, Inc. (UPST) and O'Reilly Automotive, Inc. (ORLY). 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 | ORLY | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.47 | ||
| Sortino ratioReturn per unit of downside risk | -0.55 | ||
| Omega ratioGain probability vs. loss probability | 0.93 | 1.00 | -0.07 |
| Calmar ratioReturn relative to maximum drawdown | -0.60 | -0.15 | -0.45 |
| Martin ratioReturn relative to average drawdown | -0.91 | -0.29 | -0.62 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| UPST | ORLY | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -0.61 | -0.13 | -0.47 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.26 | 0.91 | -1.17 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.67 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.01 | 0.64 | -0.63 |
Drawdowns
UPST vs. ORLY - Drawdown Comparison
The maximum UPST drawdown since its inception was -96.90%, which is greater than ORLY's maximum drawdown of -65.42%. Use the drawdown chart below to compare losses from any high point for UPST and ORLY.
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Drawdown Indicators
| UPST | ORLY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.90% | -65.42% | -31.48% |
Max Drawdown (1Y)Largest decline over 1 year | -71.21% | -20.02% | -51.19% |
Max Drawdown (3Y)Largest decline over 3 years | -72.72% | -20.02% | -52.70% |
Max Drawdown (5Y)Largest decline over 5 years | -96.90% | -23.03% | -73.87% |
Max Drawdown (10Y)Largest decline over 10 years | — | -42.00% | — |
Current DrawdownCurrent decline from peak | -92.05% | -17.44% | -74.61% |
Average DrawdownAverage peak-to-trough decline | -76.19% | -10.78% | -65.41% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 47.16% | 10.58% | +36.58% |
Volatility
UPST vs. ORLY - Volatility Comparison
Upstart Holdings, Inc. (UPST) has a higher volatility of 21.23% compared to O'Reilly Automotive, Inc. (ORLY) at 7.10%. This indicates that UPST's price experiences larger fluctuations and is considered to be riskier than ORLY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| UPST | ORLY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 21.23% | 7.10% | +14.13% |
Volatility (6M)Calculated over the trailing 6-month period | 50.15% | 18.17% | +31.98% |
Volatility (1Y)Calculated over the trailing 1-year period | 71.16% | 23.08% | +48.08% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 103.83% | 22.64% | +81.19% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 114.00% | 26.53% | +87.47% |
Dividends
UPST vs. ORLY - Dividend Comparison
Neither UPST nor ORLY has paid dividends to shareholders.
Financials
UPST vs. ORLY - Financials Comparison
This section allows you to compare key financial metrics between Upstart Holdings, Inc. and O'Reilly Automotive, 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
UPST vs. ORLY - 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%.
ORLY - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, O'Reilly Automotive, Inc. reported a gross profit of 2.35B and revenue of 4.56B. Therefore, the gross margin over that period was 51.5%.
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%.
ORLY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, O'Reilly Automotive, Inc. reported an operating income of 841.61M and revenue of 4.56B, resulting in an operating margin of 18.5%.
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%.
ORLY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, O'Reilly Automotive, Inc. reported a net income of 604.18M and revenue of 4.56B, resulting in a net margin of 13.3%.
Frequently Asked Questions
UPST and ORLY have a correlation of -0.10, 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 ORLY (7.10%). In terms of maximum drawdown, UPST dropped -96.90% vs ORLY's -65.42%.
ORLY currently has the higher Sharpe Ratio (-0.13 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.
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