UPST vs BANC

Comparison between Upstart Holdings Inc (UPST, Company) and Banc of California Inc (BANC, Company).

Both UPST and BANC are from the Financial Services sector.

5-Year PerformanceBANC has outperformed UPST, delivering a return of +5.5% compared to -23.5%

UPST vs BANC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UPST(COMPANY)	BANC(COMPANY)
Market Cap	$3.10B	$3.09B
Max Drawdown	96.90%	84.60%
Sharpe Ratio	-0.60	1.44
5Y Beta	2.60	1.18
Industry	Credit Services	Banks - Regional
P/E Ratio	111.78	12.26
Forward P/E	35.21	12.02
PEG Ratio	N/A	0.17
Dividend Yield	N/A	2.12%
5Y Dividends CAGR	N/A	17.61%
5Y EPS CAGR	N/A	-2.58%
Debt to Equity	0.00%	71.80%
Free Cash Flow Yield	-12.65%	8.64%
P/S Ratio	2.64	2.90
P/B Ratio	4.23	1.01

Market Cap

Winner

UPST

$3.10B

BANC

$3.09B

Max Drawdown

UPST

96.90%

Winner

BANC

84.60%

Sharpe Ratio

UPST

-0.60

Winner

BANC

1.44

5Y Beta

UPST

2.60

Winner

BANC

1.18

Industry

UPST

Credit Services

BANC

Banks - Regional

P/E Ratio

UPST

111.78

Winner

BANC

12.26

Forward P/E

UPST

35.21

Winner

BANC

12.02

PEG Ratio

UPST

N/A

BANC

0.17

Dividend Yield

UPST

N/A

BANC

2.12%

5Y Dividends CAGR

UPST

N/A

BANC

17.61%

5Y EPS CAGR

UPST

N/A

BANC

-2.58%

Debt to Equity

Winner

UPST

0.00%

BANC

71.80%

Free Cash Flow Yield

UPST

-12.65%

Winner

BANC

8.64%

P/S Ratio

Winner

UPST

2.64

BANC

2.90

P/B Ratio

UPST

4.23

Winner

BANC

1.01

UPST vs BANC - Historical Returns

Returns include dividend reinvestment.

Period	UPST	BANC
1 month	+9.66%	+8.04%
3 months	+12.22%	+18.16%
6 months	-35.78%	+2.85%
1 year	-46.98%	+48.77%
5 years(CAGR)	-23.52%	+5.52%
10 years(CAGR)	N/A	+2.84%
Max(CAGR)	+1.11%	+4.44%

Winner

UPST

+9.66%

BANC

+8.04%

UPST

+12.22%

Winner

BANC

+18.16%

UPST

-35.78%

Winner

BANC

+2.85%

UPST

-46.98%

Winner

BANC

+48.77%

5Y(CAGR)

UPST

-23.52%

Winner

BANC

+5.52%

10Y(CAGR)

UPST

N/A

BANC

+2.84%

Max(CAGR)

UPST

+1.11%

Winner

BANC

+4.44%

UPST vs BANC - Annual Returns (2002 - 2026)

Returns include dividend reinvestment.

Year	UPST	BANC
2026	-31.68%	+5.23%
2025	-28.08%	+29.77%
2024	+58.69%	+19.59%
2023	+216.99%	-12.57%
2022	-90.86%	-19.27%
2021	+243.94%	+32.39%
2020	+38.28%	-12.09%
2019	N/A	+29.07%
2018	N/A	-33.82%
2017	N/A	+22.78%
2016	N/A	+22.46%
2015	N/A	+32.40%
2014	N/A	-9.90%
2013	N/A	+12.89%
2012	N/A	+6.74%
2011	N/A	-22.91%
2010	N/A	+154.88%
2009	N/A	-42.23%
2008	N/A	-41.09%
2007	N/A	-31.66%
2006	N/A	+3.34%
2005	N/A	+1.62%
2004	N/A	+24.17%
2003	N/A	+34.57%
2002	N/A	+18.88%

UPST vs BANC 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 BANC was -82.28%, occurring on Oct 27, 2009. Recovery took 2599 trading sessions.

The current UPST drawdown is -91.97%. The current BANC drawdown is -3.00%.

Rank	UPST	BANC
#1	-96.90% Oct 15, 2021 - May 2, 2023	-82.28% Mar 28, 2006 - Jul 25, 2016
#2	-54.13% Feb 12, 2021 - Mar 18, 2021	-69.80% Nov 29, 2017 - Mar 12, 2021
#3	-49.02% Mar 22, 2021 - May 27, 2021	-53.32% Jan 14, 2022 - Dec 22, 2025
#4	-33.48% Jun 7, 2021 - Aug 11, 2021	-51.02% Aug 8, 2016 - Nov 29, 2017
#5	-18.75% Dec 22, 2020 - Jan 5, 2021	-26.40% Mar 12, 2021 - Nov 3, 2021
#6	-13.85% Sep 23, 2021 - Oct 13, 2021	-20.47% Jan 21, 2026 - Mar 11, 2026
#7	-13.39% May 27, 2021 - Jun 7, 2021	-17.46% Feb 23, 2004 - Aug 25, 2004
#8	-13.12% Jan 12, 2021 - Jan 21, 2021	-13.08% Nov 16, 2021 - Jan 14, 2022
#9	-8.67% Aug 18, 2021 - Aug 24, 2021	-12.65% Oct 29, 2004 - Nov 10, 2005
#10	-7.68% Jan 25, 2021 - Feb 1, 2021	-8.81% Dec 26, 2002 - Apr 15, 2003
#11	-7.10% Sep 9, 2021 - Sep 16, 2021	-6.89% Aug 21, 2003 - Nov 7, 2003
#12	-6.78% Dec 18, 2020 - Dec 22, 2020	-4.21% Feb 16, 2006 - Feb 28, 2006
#13	-5.66% Feb 3, 2021 - Feb 9, 2021	-4.10% May 30, 2003 - Jul 22, 2003
#14	-4.80% Jan 7, 2021 - Jan 12, 2021	-4.03% Mar 1, 2006 - Mar 20, 2006
#15	-3.38% Aug 27, 2021 - Aug 31, 2021	-3.98% Jul 28, 2016 - Aug 5, 2016