PHIN vs UPST
Comparison between PHINIA Inc (PHIN, Company) and Upstart Holdings Inc (UPST, Company).
PHIN is from the Consumer Cyclical sector, while UPST is from the Financial Services sector.
PHIN vs UPST - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
Market Cap
Winner
PHIN
$2.94B
UPST
$2.94B
Max Drawdown
Winner
PHIN
35.30%
UPST
96.90%
Sharpe Ratio
Winner
PHIN
2.12
UPST
-0.25
5Y Beta
Winner
PHIN
1.12
UPST
2.57
Industry
PHIN
Auto Parts
UPST
Credit Services
P/E Ratio
Winner
PHIN
24.98
UPST
105.88
Forward P/E
Winner
PHIN
11.36
UPST
31.06
PEG Ratio
PHIN
0.28
UPST
N/A
Dividend Yield
PHIN
1.48%
UPST
N/A
Debt to Equity
PHIN
62.56%
Winner
UPST
0.00%
Free Cash Flow Yield
Winner
PHIN
11.04%
UPST
-13.35%
PHIN vs UPST - Historical Returns
Returns include dividend reinvestment.
1M
Winner
PHIN
+7.98%
UPST
-7.22%
3M
PHIN
+7.73%
Winner
UPST
+12.82%
6M
Winner
PHIN
+44.32%
UPST
-26.96%
1Y
Winner
PHIN
+79.96%
UPST
-35.54%
5Y(CAGR)
PHIN
N/A
UPST
-28.71%
Max(CAGR)
Winner
PHIN
+32.14%
UPST
+0.77%
PHIN vs UPST - Annual Returns (2020 - 2026)
Returns include dividend reinvestment.
| Year | PHIN | UPST |
|---|---|---|
| 2026 | +21.03% | -32.98% |
| 2025 | +32.60% | -28.08% |
| 2024 | +61.40% | +58.69% |
| 2023 | -16.55% | +216.99% |
| 2022 | N/A | -90.86% |
| 2021 | N/A | +243.94% |
| 2020 | N/A | +38.28% |
PHIN vs UPST Drawdown Comparison
The maximum drawdown for PHIN was -34.69%, occurring on Nov 9, 2023. Recovery took 177 trading sessions.
The maximum drawdown for UPST was -96.90%, occurring on May 2, 2023. This drawdown has not yet recovered.
The current PHIN drawdown is -2.94%. The current UPST drawdown is -92.12%.
| Rank | PHIN | UPST |
|---|---|---|
| #1 | -34.69% Jun 28, 2023 - Mar 12, 2024 | -96.90% Oct 15, 2021 - May 2, 2023 |
| #2 | -32.86% Nov 25, 2024 - Aug 13, 2025 | -54.13% Feb 12, 2021 - Mar 18, 2021 |
| #3 | -20.36% Feb 24, 2026 - May 8, 2026 | -49.02% Mar 22, 2021 - May 27, 2021 |
| #4 | -14.86% May 28, 2024 - Jul 16, 2024 | -33.48% Jun 7, 2021 - Aug 11, 2021 |
| #5 | -13.57% Sep 11, 2025 - Dec 17, 2025 | -18.75% Dec 22, 2020 - Jan 5, 2021 |
| #6 | -12.23% Sep 24, 2024 - Nov 6, 2024 | -13.85% Sep 23, 2021 - Oct 13, 2021 |
| #7 | -11.86% Jul 17, 2024 - Aug 19, 2024 | -13.39% May 27, 2021 - Jun 7, 2021 |
| #8 | -10.98% May 11, 2026 - May 19, 2026 | -13.12% Jan 12, 2021 - Jan 21, 2021 |
| #9 | -9.11% Apr 9, 2024 - Apr 29, 2024 | -8.67% Aug 18, 2021 - Aug 24, 2021 |
| #10 | -7.35% Aug 26, 2024 - Sep 19, 2024 | -7.68% Jan 25, 2021 - Feb 1, 2021 |
| #11 | -4.73% Apr 1, 2024 - Apr 9, 2024 | -7.10% Sep 9, 2021 - Sep 16, 2021 |
| #12 | -4.15% Feb 11, 2026 - Feb 24, 2026 | -6.78% Dec 18, 2020 - Dec 22, 2020 |
| #13 | -3.89% Apr 29, 2024 - May 1, 2024 | -5.66% Feb 3, 2021 - Feb 9, 2021 |
| #14 | -3.79% Mar 13, 2024 - Mar 21, 2024 | -4.80% Jan 7, 2021 - Jan 12, 2021 |
| #15 | -3.55% Jan 15, 2026 - Jan 21, 2026 | -3.38% Aug 27, 2021 - Aug 31, 2021 |
Correlation
Correlation between PHIN and UPST is 0.15 which considered as a very weak or no correlation - the stocks move independently of each other.
0.15
-101
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