Correlation
The correlation between UPST and PGY 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.
UPST vs. PGY
Compare and contrast key facts about Upstart Holdings, Inc. (UPST) and Pagaya Technologies Ltd. (PGY).
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: UPST or PGY.
Performance
UPST vs. PGY - Performance Comparison
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Key characteristics
UPST:
0.92
PGY:
0.39
UPST:
1.97
PGY:
1.16
UPST:
1.23
PGY:
1.15
UPST:
0.88
PGY:
0.36
UPST:
3.19
PGY:
1.17
UPST:
26.12%
PGY:
29.63%
UPST:
105.16%
PGY:
97.58%
UPST:
-96.90%
PGY:
-98.09%
UPST:
-88.39%
PGY:
-95.63%
Fundamentals
UPST:
$4.31B
PGY:
$1.19B
UPST:
-$0.73
PGY:
-$5.23
UPST:
5.67
PGY:
1.11
UPST:
6.36
PGY:
3.55
UPST:
$721.43M
PGY:
$1.06B
UPST:
$714.41M
PGY:
$424.10M
UPST:
-$56.77M
PGY:
$109.85M
Returns By Period
In the year-to-date period, UPST achieves a -26.49% return, which is significantly lower than PGY's 69.21% return.
UPST
-26.49%
-7.03%
-38.89%
93.83%
6.80%
N/A
N/A
PGY
69.21%
40.23%
64.26%
35.28%
N/A
N/A
N/A
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Risk-Adjusted Performance
UPST vs. PGY — Risk-Adjusted Performance Rank
UPST
PGY
UPST vs. PGY - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for Upstart Holdings, Inc. (UPST) and Pagaya Technologies Ltd. (PGY). 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.
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Dividends
UPST vs. PGY - Dividend Comparison
Neither UPST nor PGY has paid dividends to shareholders.
Drawdowns
UPST vs. PGY - Drawdown Comparison
The maximum UPST drawdown since its inception was -96.90%, roughly equal to the maximum PGY drawdown of -98.09%. Use the drawdown chart below to compare losses from any high point for UPST and PGY.
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Volatility
UPST vs. PGY - Volatility Comparison
The current volatility for Upstart Holdings, Inc. (UPST) is 22.07%, while Pagaya Technologies Ltd. (PGY) has a volatility of 26.39%. This indicates that UPST experiences smaller price fluctuations and is considered to be less risky than PGY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Financials
UPST vs. PGY - Financials Comparison
This section allows you to compare key financial metrics between Upstart Holdings, Inc. and Pagaya Technologies Ltd.. 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. PGY - Profitability Comparison
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 - 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 - 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 - 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 - 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%.
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%.