XYZ vs. UPST
XYZ (Block, Inc) and UPST (Upstart Holdings, Inc.) are both stocks. XYZ operates in Software - Infrastructure (Technology), while UPST operates in Credit Services (Financial Services). Over the past 5 years, XYZ returned -19.80%/yr vs -27.76%/yr for UPST. A 0.57 correlation means they provide meaningful diversification when combined.
Performance
XYZ vs. UPST - Performance Comparison
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Returns By Period
In the year-to-date period, XYZ achieves a 8.91% return, which is significantly higher than UPST's -26.21% return.
XYZ
- 1D
- 1.56%
- 1M
- -0.51%
- YTD
- 8.91%
- 6M
- 13.99%
- 1Y
- 11.01%
- 3Y*
- 3.72%
- 5Y*
- -19.80%
- 10Y*
- 22.25%
UPST
- 1D
- 6.54%
- 1M
- 3.53%
- YTD
- -26.21%
- 6M
- -31.53%
- 1Y
- -36.30%
- 3Y*
- 4.56%
- 5Y*
- -27.76%
- 10Y*
- —
XYZ vs. UPST - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
XYZ Block, Inc | 8.91% | -23.41% | 9.88% | 23.09% | -61.09% | -25.79% | -4.16% |
UPST Upstart Holdings, Inc. | -26.21% | -28.98% | 50.69% | 209.08% | -91.26% | 271.29% | 38.28% |
Correlation
The correlation between XYZ and UPST is 0.57, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.57 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.56 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.60 |
Correlation (All Time) Calculated using the full available price history since Dec 17, 2020 | 0.57 |
The correlation between XYZ and UPST has been stable across timeframes, ranging from 0.56 to 0.60 - a consistent structural relationship.
Fundamentals
XYZ:
$42.36B
UPST:
$3.13B
XYZ:
$1.31
UPST:
$0.47
XYZ:
54.14
UPST:
68.87
XYZ:
0.01
UPST:
0.29
XYZ:
1.78
UPST:
2.92
XYZ:
1.95
UPST:
4.27
XYZ:
$24.48B
UPST:
$1.16B
XYZ:
$11.01B
UPST:
$810.61M
XYZ:
$2.42B
UPST:
$67.66M
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Return for Risk
XYZ vs. UPST — Risk / Return Rank
XYZ
UPST
XYZ vs. UPST - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Block, Inc (XYZ) 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.
| XYZ | UPST | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.75 | ||
| Sortino ratioReturn per unit of downside risk | +1.05 | ||
| Omega ratioGain probability vs. loss probability | 1.08 | 0.95 | +0.13 |
| Calmar ratioReturn relative to maximum drawdown | 0.28 | -0.51 | +0.79 |
| Martin ratioReturn relative to average drawdown | 0.65 | -0.78 | +1.43 |
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
| XYZ | UPST | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.24 | -0.51 | +0.75 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.33 | -0.27 | -0.06 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.39 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.31 | 0.01 | +0.29 |
Drawdowns
XYZ vs. UPST - Drawdown Comparison
The maximum XYZ drawdown since its inception was -86.08%, smaller than the maximum UPST drawdown of -96.90%. Use the drawdown chart below to compare losses from any high point for XYZ and UPST.
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Drawdown Indicators
| XYZ | UPST | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -86.08% | -96.90% | +10.82% |
Max Drawdown (1Y)Largest decline over 1 year | -39.48% | -71.21% | +31.73% |
Max Drawdown (3Y)Largest decline over 3 years | -52.96% | -72.72% | +19.76% |
Max Drawdown (5Y)Largest decline over 5 years | -86.08% | -96.90% | +10.82% |
Max Drawdown (10Y)Largest decline over 10 years | -86.08% | — | — |
Current DrawdownCurrent decline from peak | -74.84% | -91.73% | +16.89% |
Average DrawdownAverage peak-to-trough decline | -40.99% | -76.17% | +35.18% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 16.99% | 46.82% | -29.83% |
Volatility
XYZ vs. UPST - Volatility Comparison
The current volatility for Block, Inc (XYZ) is 13.37%, while Upstart Holdings, Inc. (UPST) has a volatility of 20.91%. This indicates that XYZ experiences smaller price fluctuations and is considered to be less risky than UPST based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| XYZ | UPST | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 13.37% | 20.91% | -7.54% |
Volatility (6M)Calculated over the trailing 6-month period | 35.04% | 49.89% | -14.85% |
Volatility (1Y)Calculated over the trailing 1-year period | 46.53% | 70.72% | -24.19% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 59.97% | 103.79% | -43.82% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 56.67% | 114.02% | -57.35% |
Dividends
XYZ vs. UPST - Dividend Comparison
Neither XYZ nor UPST has paid dividends to shareholders.
Financials
XYZ vs. UPST - Financials Comparison
This section allows you to compare key financial metrics between Block, 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.
Total Revenue: Total amount of money received from sales and other business activities
XYZ vs. UPST - Profitability Comparison
XYZ - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Block, Inc reported a gross profit of 2.91B and revenue of 6.06B. Therefore, the gross margin over that period was 48.0%.
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%.
XYZ - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Block, Inc reported an operating income of -171.99M and revenue of 6.06B, resulting in an operating margin of -2.8%.
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%.
XYZ - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Block, Inc reported a net income of -308.68M and revenue of 6.06B, resulting in a net margin of -5.1%.
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%.
Frequently Asked Questions
XYZ and UPST have a correlation of 0.57, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
UPST has higher volatility (20.91%) compared to XYZ (13.37%). In terms of maximum drawdown, XYZ dropped -86.08% vs UPST's -96.90%.
XYZ currently has the higher Sharpe Ratio (0.24 vs -0.51), 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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