HTGC vs UPST

Comparison between Hercules Capital Inc (HTGC, Company) and Upstart Holdings Inc (UPST, Company).

Both HTGC and UPST are from the Financial Services sector.

5-Year PerformanceHTGC has outperformed UPST, delivering a return of +9.0% compared to -24.0%

HTGC vs UPST - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	HTGC(COMPANY)	UPST(COMPANY)
Market Cap	$2.90B	$2.90B
Max Drawdown	75.85%	96.90%
Sharpe Ratio	-0.23	-0.53
5Y Beta	0.77	2.58
Industry	Asset Management	Credit Services
P/E Ratio	8.53	104.44
Forward P/E	8.05	32.89
PEG Ratio	0.23	N/A
Dividend Yield	10.50%	N/A
5Y Dividends CAGR	4.97%	N/A
Debt to Equity	114.01%	0.00%
Free Cash Flow Yield	-14.97%	-13.54%
P/S Ratio	5.21	2.47
P/B Ratio	1.30	3.96

Market Cap

Winner

HTGC

$2.90B

UPST

$2.90B

Max Drawdown

Winner

HTGC

75.85%

UPST

96.90%

Sharpe Ratio

Winner

HTGC

-0.23

UPST

-0.53

5Y Beta

Winner

HTGC

0.77

UPST

2.58

Industry

HTGC

Asset Management

UPST

Credit Services

P/E Ratio

Winner

HTGC

8.53

UPST

104.44

Forward P/E

Winner

HTGC

8.05

UPST

32.89

PEG Ratio

HTGC

0.23

UPST

N/A

Dividend Yield

HTGC

10.50%

UPST

N/A

5Y Dividends CAGR

HTGC

4.97%

UPST

N/A

Debt to Equity

HTGC

114.01%

Winner

UPST

0.00%

Free Cash Flow Yield

HTGC

-14.97%

Winner

UPST

-13.54%

P/S Ratio

HTGC

5.21

Winner

UPST

2.47

P/B Ratio

Winner

HTGC

1.30

UPST

3.96

HTGC vs UPST - Historical Returns

Returns include dividend reinvestment.

Period	HTGC	UPST
1 month	-0.90%	+10.81%
3 months	+10.76%	+15.73%
6 months	-13.18%	-35.29%
1 year	-4.61%	-45.08%
5 years(CAGR)	+8.96%	-24.02%
10 years(CAGR)	+13.67%	N/A
Max(CAGR)	+11.61%	+1.39%

HTGC

-0.90%

Winner

UPST

+10.81%

HTGC

+10.76%

Winner

UPST

+15.73%

Winner

HTGC

-13.18%

UPST

-35.29%

Winner

HTGC

-4.61%

UPST

-45.08%

5Y(CAGR)

Winner

HTGC

+8.96%

UPST

-24.02%

10Y(CAGR)

HTGC

+13.67%

UPST

N/A

Max(CAGR)

Winner

HTGC

+11.61%

UPST

+1.39%

HTGC vs UPST - Annual Returns (2005 - 2026)

Returns include dividend reinvestment.

Year	HTGC	UPST
2026	-13.04%	-30.65%
2025	+1.96%	-28.08%
2024	+32.98%	+58.69%
2023	+41.90%	+216.99%
2022	-10.44%	-90.86%
2021	+28.51%	+243.94%
2020	+14.66%	+38.28%
2019	+37.73%	N/A
2018	-7.89%	N/A
2017	-0.02%	N/A
2016	+27.29%	N/A
2015	-10.92%	N/A
2014	-0.53%	N/A
2013	+57.57%	N/A
2012	+26.44%	N/A
2011	-3.48%	N/A
2010	+4.16%	N/A
2009	+53.21%	N/A
2008	-22.46%	N/A
2007	-4.17%	N/A
2006	+35.73%	N/A
2005	-7.27%	N/A

HTGC vs UPST Drawdown Comparison

The maximum drawdown for HTGC was -68.28%, occurring on Mar 5, 2009. Recovery took 599 trading sessions.

The maximum drawdown for UPST was -96.90%, occurring on May 2, 2023. This drawdown has not yet recovered.

The current HTGC drawdown is -17.69%. The current UPST drawdown is -91.85%.

Rank	HTGC	UPST
#1	-68.28% May 23, 2007 - Oct 7, 2009	-96.90% Oct 15, 2021 - May 2, 2023
#2	-57.47% Feb 21, 2020 - Dec 23, 2020	-54.13% Feb 12, 2021 - Mar 18, 2021
#3	-36.10% Apr 20, 2022 - Jul 18, 2023	-49.02% Mar 22, 2021 - May 27, 2021
#4	-33.89% Jul 28, 2014 - Aug 9, 2016	-33.48% Jun 7, 2021 - Aug 11, 2021
#5	-28.12% Feb 19, 2025 - Mar 27, 2026	-18.75% Dec 22, 2020 - Jan 5, 2021
#6	-27.93% Aug 12, 2005 - Sep 29, 2006	-13.85% Sep 23, 2021 - Oct 13, 2021
#7	-24.45% Apr 6, 2011 - Feb 3, 2012	-13.39% May 27, 2021 - Jun 7, 2021
#8	-23.46% Apr 23, 2010 - Jan 5, 2011	-13.12% Jan 12, 2021 - Jan 21, 2021
#9	-19.98% Aug 22, 2018 - Feb 22, 2019	-8.67% Aug 18, 2021 - Aug 24, 2021
#10	-19.09% Nov 27, 2013 - Jul 2, 2014	-7.68% Jan 25, 2021 - Feb 1, 2021
#11	-18.82% Apr 26, 2017 - Aug 15, 2018	-7.10% Sep 9, 2021 - Sep 16, 2021
#12	-18.27% Jul 30, 2024 - Jan 16, 2025	-6.78% Dec 18, 2020 - Dec 22, 2020
#13	-17.31% Jan 19, 2010 - Apr 6, 2010	-5.66% Feb 3, 2021 - Feb 9, 2021
#14	-15.09% Oct 19, 2009 - Jan 4, 2010	-4.80% Jan 7, 2021 - Jan 12, 2021
#15	-13.80% Aug 7, 2023 - Jan 4, 2024	-3.38% Aug 27, 2021 - Aug 31, 2021