UPST vs CGAU

Comparison between Upstart Holdings Inc (UPST, Company) and Vitalist Inc (CGAU, Company).

UPST is from the Financial Services sector, while CGAU is from the Basic Materials sector.

5-Year PerformanceCGAU has outperformed UPST, delivering a return of +17.1% compared to -23.1%

UPST vs CGAU - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UPST(COMPANY)	CGAU(COMPANY)
Market Cap	$3.12B	$3.13B
Max Drawdown	96.90%	73.66%
Sharpe Ratio	-0.54	1.69
5Y Beta	2.59	0.83
Industry	Credit Services	Gold
P/E Ratio	112.54	5.06
Forward P/E	34.25	8.60
PEG Ratio	N/A	0.00
Dividend Yield	N/A	1.24%
5Y Dividends CAGR	N/A	17.01%
5Y EPS CAGR	N/A	10.71%
Debt to Equity	0.00%	2.09%
Free Cash Flow Yield	-12.56%	4.22%

Market Cap

UPST

$3.12B

Winner

CGAU

$3.13B

Max Drawdown

UPST

96.90%

Winner

CGAU

73.66%

Sharpe Ratio

UPST

-0.54

Winner

CGAU

1.69

5Y Beta

UPST

2.59

Winner

CGAU

0.83

Industry

UPST

Credit Services

CGAU

Gold

P/E Ratio

UPST

112.54

Winner

CGAU

5.06

Forward P/E

UPST

34.25

Winner

CGAU

8.60

PEG Ratio

UPST

N/A

CGAU

0.00

Dividend Yield

UPST

N/A

CGAU

1.24%

5Y Dividends CAGR

UPST

N/A

CGAU

17.01%

5Y EPS CAGR

UPST

N/A

CGAU

10.71%

Debt to Equity

Winner

UPST

0.00%

CGAU

2.09%

Free Cash Flow Yield

UPST

-12.56%

Winner

CGAU

4.22%

UPST vs CGAU - Historical Returns

Returns include dividend reinvestment.

Period	UPST	CGAU
1 month	+7.67%	-9.18%
3 months	+26.37%	-6.32%
6 months	-31.63%	+6.73%
1 year	-47.20%	+126.26%
5 years(CAGR)	-23.05%	+17.13%
10 years(CAGR)	N/A	+11.86%
Max(CAGR)	+2.05%	+13.32%

Winner

UPST

+7.67%

CGAU

-9.18%

Winner

UPST

+26.37%

CGAU

-6.32%

UPST

-31.63%

Winner

CGAU

+6.73%

UPST

-47.20%

Winner

CGAU

+126.26%

5Y(CAGR)

UPST

-23.05%

Winner

CGAU

+17.13%

10Y(CAGR)

UPST

N/A

CGAU

+11.86%

Max(CAGR)

UPST

+2.05%

Winner

CGAU

+13.32%

UPST vs CGAU - Annual Returns (2016 - 2026)

Returns include dividend reinvestment.

Year	UPST	CGAU
2026	-28.08%	+12.54%
2025	-28.08%	+150.60%
2024	+58.69%	+1.14%
2023	+216.99%	+15.29%
2022	-90.86%	-37.74%
2021	+243.94%	-35.80%
2020	+38.28%	+47.89%
2019	N/A	+84.63%
2018	N/A	-17.65%
2017	N/A	+6.25%
2016	N/A	-3.38%

UPST vs CGAU 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 CGAU was -73.37%, occurring on Sep 26, 2022. Recovery took 1336 trading sessions.

The current UPST drawdown is -91.55%. The current CGAU drawdown is -24.33%.

Rank	UPST	CGAU
#1	-96.90% Oct 15, 2021 - May 2, 2023	-73.37% Aug 5, 2020 - Nov 28, 2025
#2	-54.13% Feb 12, 2021 - Mar 18, 2021	-51.25% Sep 12, 2017 - Jul 16, 2019
#3	-49.02% Mar 22, 2021 - May 27, 2021	-48.13% Oct 18, 2019 - May 15, 2020
#4	-33.48% Jun 7, 2021 - Aug 11, 2021	-33.31% Jul 5, 2016 - Sep 6, 2017
#5	-18.75% Dec 22, 2020 - Jan 5, 2021	-29.50% Feb 27, 2026 - Jun 10, 2026
#6	-13.85% Sep 23, 2021 - Oct 13, 2021	-23.22% Jan 7, 2016 - Mar 4, 2016
#7	-13.39% May 27, 2021 - Jun 7, 2021	-22.12% Mar 8, 2016 - Apr 20, 2016
#8	-13.12% Jan 12, 2021 - Jan 21, 2021	-19.33% Aug 27, 2019 - Oct 10, 2019
#9	-8.67% Aug 18, 2021 - Aug 24, 2021	-17.91% Jan 28, 2026 - Feb 26, 2026
#10	-7.68% Jan 25, 2021 - Feb 1, 2021	-16.47% May 16, 2016 - Jun 27, 2016
#11	-7.10% Sep 9, 2021 - Sep 16, 2021	-9.97% May 29, 2020 - Jun 10, 2020
#12	-6.78% Dec 18, 2020 - Dec 22, 2020	-7.54% Jun 10, 2020 - Jun 19, 2020
#13	-5.66% Feb 3, 2021 - Feb 9, 2021	-6.79% Dec 26, 2025 - Jan 6, 2026
#14	-4.80% Jan 7, 2021 - Jan 12, 2021	-6.25% Oct 10, 2019 - Oct 18, 2019
#15	-3.38% Aug 27, 2021 - Aug 31, 2021	-6.18% Jul 24, 2019 - Aug 7, 2019