UPST vs ANDE

Comparison between Upstart Holdings Inc (UPST, Company) and Andersons Inc (ANDE, Company).

UPST is from the Financial Services sector, while ANDE is from the Consumer Defensive sector.

5-Year PerformanceANDE has outperformed UPST, delivering a return of +26.9% compared to -25.4%

UPST vs ANDE - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UPST(COMPANY)	ANDE(COMPANY)
Market Cap	$2.74B	$2.75B
Max Drawdown	96.90%	83.68%
Sharpe Ratio	-1.24	2.28
5Y Beta	2.60	0.61
Industry	Credit Services	Food Distribution
P/E Ratio	98.71	44.74
Forward P/E	37.04	20.92
PEG Ratio	N/A	0.90
Dividend Yield	N/A	1.01%
5Y Dividends CAGR	N/A	7.18%
5Y EPS CAGR	N/A	8.98%
Debt to Equity	0.00%	46.71%
Free Cash Flow Yield	-14.32%	-3.82%
P/S Ratio	2.34	0.25
P/B Ratio	3.82	2.09

Market Cap

UPST

$2.74B

Winner

ANDE

$2.75B

Max Drawdown

UPST

96.90%

Winner

ANDE

83.68%

Sharpe Ratio

UPST

-1.24

Winner

ANDE

2.28

5Y Beta

UPST

2.60

Winner

ANDE

0.61

Industry

UPST

Credit Services

ANDE

Food Distribution

P/E Ratio

UPST

98.71

Winner

ANDE

44.74

Forward P/E

UPST

37.04

Winner

ANDE

20.92

PEG Ratio

UPST

N/A

ANDE

0.90

Dividend Yield

UPST

N/A

ANDE

1.01%

5Y Dividends CAGR

UPST

N/A

ANDE

7.18%

5Y EPS CAGR

UPST

N/A

ANDE

8.98%

Debt to Equity

Winner

UPST

0.00%

ANDE

46.71%

Free Cash Flow Yield

UPST

-14.32%

Winner

ANDE

-3.82%

P/S Ratio

UPST

2.34

Winner

ANDE

0.25

P/B Ratio

UPST

3.82

Winner

ANDE

2.09

UPST vs ANDE - Historical Returns

Returns include dividend reinvestment.

Period	UPST	ANDE
1 month	-17.52%	+10.31%
3 months	-19.59%	+2.65%
6 months	-40.54%	+31.64%
1 year	-67.44%	+118.43%
5 years(CAGR)	-25.39%	+26.90%
10 years(CAGR)	N/A	+10.10%
Max(CAGR)	-1.60%	+15.45%

UPST

-17.52%

Winner

ANDE

+10.31%

UPST

-19.59%

Winner

ANDE

+2.65%

UPST

-40.54%

Winner

ANDE

+31.64%

UPST

-67.44%

Winner

ANDE

+118.43%

5Y(CAGR)

UPST

-25.39%

Winner

ANDE

+26.90%

10Y(CAGR)

UPST

N/A

ANDE

+10.10%

Max(CAGR)

UPST

-1.60%

Winner

ANDE

+15.45%

UPST vs ANDE - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	UPST	ANDE
2026	-41.25%	+47.32%
2025	-28.08%	+34.53%
2024	+58.69%	-28.92%
2023	+216.99%	+72.00%
2022	-90.86%	-9.02%
2021	+243.94%	+63.67%
2020	+38.28%	+1.87%
2019	N/A	-16.28%
2018	N/A	-3.67%
2017	N/A	-26.69%
2016	N/A	+48.32%
2015	N/A	-39.73%
2014	N/A	-8.17%
2013	N/A	+104.83%
2012	N/A	-1.80%
2011	N/A	+18.40%
2010	N/A	+39.28%
2009	N/A	+52.32%
2008	N/A	-62.73%
2007	N/A	+12.02%
2006	N/A	+98.28%
2005	N/A	+74.04%
2004	N/A	+66.40%
2003	N/A	+27.97%
2002	N/A	+29.18%
2001	N/A	+23.83%
2000	N/A	+8.41%
1999	N/A	+4.72%

UPST vs ANDE Drawdown Comparison

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

The maximum drawdown for ANDE was -81.75%, occurring on May 19, 2020. Recovery took 2341 trading sessions.

The current UPST drawdown is -93.09%. The current ANDE drawdown is -3.91%.

Rank	UPST	ANDE
#1	-96.90% Oct 15, 2021 - May 2, 2023	-81.75% Sep 8, 2014 - Dec 26, 2023
#2	-54.13% Feb 12, 2021 - Mar 18, 2021	-81.57% May 3, 2006 - Jul 17, 2013
#3	-49.02% Mar 22, 2021 - May 27, 2021	-46.94% Apr 23, 2024 - Jan 20, 2026
#4	-33.48% Jun 7, 2021 - Aug 11, 2021	-36.38% Jul 26, 2005 - Dec 1, 2005
#5	-18.75% Dec 22, 2020 - Jan 5, 2021	-29.95% Apr 24, 2014 - Aug 18, 2014
#6	-13.85% Sep 23, 2021 - Oct 13, 2021	-23.29% Jul 14, 2000 - Aug 10, 2001
#7	-13.39% May 27, 2021 - Jun 7, 2021	-19.86% Nov 30, 1999 - Jun 2, 2000
#8	-13.12% Jan 12, 2021 - Jan 21, 2021	-18.38% Mar 9, 2004 - Sep 20, 2004
#9	-8.67% Aug 18, 2021 - Aug 24, 2021	-17.62% Mar 15, 2005 - Jun 7, 2005
#10	-7.68% Jan 25, 2021 - Feb 1, 2021	-16.27% May 4, 2026 - Jul 17, 2026
#11	-7.10% Sep 9, 2021 - Sep 16, 2021	-15.96% Dec 26, 2013 - Apr 14, 2014
#12	-6.78% Dec 18, 2020 - Dec 22, 2020	-15.50% Aug 14, 2001 - Nov 14, 2001
#13	-5.66% Feb 3, 2021 - Feb 9, 2021	-14.57% Oct 18, 2004 - Dec 10, 2004
#14	-4.80% Jan 7, 2021 - Jan 12, 2021	-13.58% Apr 15, 2003 - Jul 28, 2003
#15	-3.38% Aug 27, 2021 - Aug 31, 2021	-12.50% Jun 28, 2002 - Apr 15, 2003

Correlation

Correlation between UPST and ANDE is -0.41 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.41

-101