UPST Performance: -23.9% Return (12 Months)

UPST returned -23.9% over 12 months, underperforming the S&P 500 (37.7%). Volatility: 83.5%.

RS IBD -28.38
Top 92% in Peers
Volatility 83.5%
Top 95% in Peers
Total Return 12m -23.91%
Top 89% in Peers
RS Rating 1.90
Top 92% in Peers
P/E
P/E Trailing 58.8
P/E Forward 26.7
High / Low 52w
52 Week High 84.13 USD
52 Week Low 24.22 USD
Sentiment
VRO Trend Strength ±100 51.99
Buy Signal ±3 -1.19
Drawdowns 3y
Max Drawdown 72.72%
Mean Drawdown 42.40%
Compare performance with 30 peers in Consumer Finance
12m Total Return: UPST (-23.9%) vs PEER ETF Total Return of Upstart Holdings versus broad market ETF SPY
5y Drawdown (Underwater) Chart 5 Year Drawdown / Underwater Chart for UPST Performance: -23.9% Return (12 Months)

Top Performer in Consumer Finance (5/30)

Short Term Performance
SYMBOL 1W 1M 3M
ECPG 5.52% 9.66% 32.78%
EZPW 7.72% 5.02% 30.62%
FCFS 4.70% 1.34% 20.59%
PRAA 5.91% 2.84% 10.05%
WRLD 7.00% 10.05% 0.78%
UPST 7.69% -2.18% -46.04%
Long Term Performance
SYMBOL 6M 12M 5Y
ECPG 75.25% 175.64% 91.74%
BFH 43.88% 86.19% 20.92%
EZPW 47.92% 83.80% 423.93%
ENVA 36.24% 71.04% 329.55%
FCFS 28.17% 70.36% 211.73%
UPST -47.24% -23.91% -75.72%
Overall Best Picks of Peer Group (GARP Metrics)
SYMBOL MCAP 1M 12M 5Y P/E P/E fwd PEG EPS stab EPS cagr
ECPG NASDAQ
Encore Capital		 1.65B 9.66% 176% 91.7% 6.76 4.04 0.17 18.5% -10.6%
JCAP NASDAQ
Jefferson Capital, Common		 1.08B -5.50% 9.70% 9.70% 3.45 - - -96.5% -36.5%
LC NYSE
LendingClub		 1.65B 1.76% 75.5% 0.40% 12.3 7.96 -18.1 -13.8% -61.4%

Performance: UPST vs S&P 500

Total Return vs S&P 500
PERIOD UPST S&P 500
1 Week 7.69% 3.17%
1 Month -2.18% -0.06%
3 Months -46.04% -1.69%
6 Months -47.24% 1.00%
12 Months -23.91% 37.72%
5 Years -75.72% 75.84%

UPST Performance FAQ

Does UPST outperform the market?

No, UPST underperforms the market. Over the past 12 months, UPST returned -23.91% compared to 37.72% for the S&P 500.

What is the UPST return over the last 12 months?

UPST has returned -23.91% over the past 12 months, including dividends. Over 3 months the return was -46.04%, and over 5 years -75.72%.

How risky is UPST?

UPST has relatively low risk with a maximum drawdown of 72.72% over the past 3 years. The average drawdown is 42.40%.

UPST vs Sectors (12m)

Sorted by outperformance. Positive = UPST beats sector.

Relative Performance vs S&P Sectors
SECTOR ETF DIFFERENCE 12M
Consumer Staples XLP -35.3%
Health Care XLV -38.5%
Financials XLF -42.3%
Real Estate XLRE -42.4%
Consumer Discretionary XLY -50.6%
Consumer Discretionary XLY -50.6%
Communication Services XLC -57.7%
Materials XLB -66%
Industrials XLI -72.3%
Energy XLE -80.7%
Technology XLK -82.5%

UPST vs Asset Classes (12m)

Relative Performance vs Major Asset Classes
ASSET CLASS ETF DIFFERENCE 12M
S&P 500 SPY -61.6%
Emerging Market EEM -84.6%
Gold GLD -81.8%
Long-Term Bonds TLT -26.8%
Risk-Free Cash SHY -27.4%