UPST vs CVBF

Comparison between Upstart Holdings Inc (UPST, Company) and CVB Financial Corp (CVBF, Company).

Both UPST and CVBF are from the Financial Services sector.

5-Year PerformanceCVBF has outperformed UPST, delivering a return of +3.8% compared to -23.5%

UPST vs CVBF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UPST(COMPANY)	CVBF(COMPANY)
Market Cap	$3.10B	$3.11B
Max Drawdown	96.90%	68.05%
Sharpe Ratio	-0.60	0.67
5Y Beta	2.60	0.85
Industry	Credit Services	Banks - Regional
P/E Ratio	111.78	14.95
Forward P/E	35.21	11.53
PEG Ratio	N/A	2.92
Dividend Yield	N/A	3.89%
5Y Dividends CAGR	N/A	2.13%
5Y EPS CAGR	N/A	0.45%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	-12.65%	7.64%
P/S Ratio	2.64	7.07
P/B Ratio	4.23	1.58

Market Cap

UPST

$3.10B

Winner

CVBF

$3.11B

Max Drawdown

UPST

96.90%

Winner

CVBF

68.05%

Sharpe Ratio

UPST

-0.60

Winner

CVBF

0.67

5Y Beta

UPST

2.60

Winner

CVBF

0.85

Industry

UPST

Credit Services

CVBF

Banks - Regional

P/E Ratio

UPST

111.78

Winner

CVBF

14.95

Forward P/E

UPST

35.21

Winner

CVBF

11.53

PEG Ratio

UPST

N/A

CVBF

2.92

Dividend Yield

UPST

N/A

CVBF

3.89%

5Y Dividends CAGR

UPST

N/A

CVBF

2.13%

5Y EPS CAGR

UPST

N/A

CVBF

0.45%

Debt to Equity

UPST

0.00%

CVBF

0.00%

Free Cash Flow Yield

UPST

-12.65%

Winner

CVBF

7.64%

P/S Ratio

Winner

UPST

2.64

CVBF

7.07

P/B Ratio

UPST

4.23

Winner

CVBF

1.58

UPST vs CVBF - Historical Returns

Returns include dividend reinvestment.

Period	UPST	CVBF
1 month	+9.66%	+3.44%
3 months	+12.22%	+10.59%
6 months	-35.78%	+9.86%
1 year	-46.98%	+15.10%
5 years(CAGR)	-23.52%	+3.81%
10 years(CAGR)	N/A	+6.06%
Max(CAGR)	+1.11%	+7.16%

Winner

UPST

+9.66%

CVBF

+3.44%

Winner

UPST

+12.22%

CVBF

+10.59%

UPST

-35.78%

Winner

CVBF

+9.86%

UPST

-46.98%

Winner

CVBF

+15.10%

5Y(CAGR)

UPST

-23.52%

Winner

CVBF

+3.81%

10Y(CAGR)

UPST

N/A

CVBF

+6.06%

Max(CAGR)

UPST

+1.11%

Winner

CVBF

+7.16%

UPST vs CVBF - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	UPST	CVBF
2026	-31.68%	+13.90%
2025	-28.08%	-6.98%
2024	+58.69%	+12.55%
2023	+216.99%	-16.82%
2022	-90.86%	+23.04%
2021	+243.94%	+13.46%
2020	+38.28%	-5.75%
2019	N/A	+8.65%
2018	N/A	-11.72%
2017	N/A	+4.59%
2016	N/A	+42.42%
2015	N/A	+9.74%
2014	N/A	-1.95%
2013	N/A	+63.16%
2012	N/A	+4.90%
2011	N/A	+18.56%
2010	N/A	-0.95%
2009	N/A	-21.99%
2008	N/A	+24.68%
2007	N/A	-21.03%
2006	N/A	-10.54%
2005	N/A	-2.97%
2004	N/A	+42.50%
2003	N/A	-4.98%
2002	N/A	+35.83%
2001	N/A	+41.98%
2000	N/A	+0.46%
1999	N/A	-11.28%

UPST vs CVBF 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 CVBF was -63.31%, occurring on Jul 10, 2009. Recovery took 1962 trading sessions.

The current UPST drawdown is -91.97%. The current CVBF drawdown is -15.29%.

Rank	UPST	CVBF
#1	-96.90% Oct 15, 2021 - May 2, 2023	-63.31% Dec 1, 2004 - Sep 14, 2012
#2	-54.13% Feb 12, 2021 - Mar 18, 2021	-61.73% Nov 10, 2022 - May 11, 2023
#3	-49.02% Mar 22, 2021 - May 27, 2021	-36.15% Aug 21, 2018 - Mar 8, 2021
#4	-33.48% Jun 7, 2021 - Aug 11, 2021	-36.01% Nov 5, 1999 - Aug 16, 2001
#5	-18.75% Dec 22, 2020 - Jan 5, 2021	-28.07% May 16, 2002 - Nov 1, 2002
#6	-13.85% Sep 23, 2021 - Oct 13, 2021	-24.03% Sep 14, 2012 - Jul 5, 2013
#7	-13.39% May 27, 2021 - Jun 7, 2021	-23.42% Nov 6, 2015 - Nov 9, 2016
#8	-13.12% Jan 12, 2021 - Jan 21, 2021	-22.81% Mar 12, 2021 - Apr 21, 2022
#9	-8.67% Aug 18, 2021 - Aug 24, 2021	-18.11% Dec 26, 2013 - Jun 3, 2015
#10	-7.68% Jan 25, 2021 - Feb 1, 2021	-18.06% Mar 1, 2017 - Oct 2, 2017
#11	-7.10% Sep 9, 2021 - Sep 16, 2021	-16.37% Jun 4, 2003 - Dec 29, 2003
#12	-6.78% Dec 18, 2020 - Dec 22, 2020	-15.73% Jul 16, 2015 - Oct 28, 2015
#13	-5.66% Feb 3, 2021 - Feb 9, 2021	-12.80% Dec 29, 2003 - Apr 2, 2004
#14	-4.80% Jan 7, 2021 - Jan 12, 2021	-12.35% Jan 8, 2002 - Mar 27, 2002
#15	-3.38% Aug 27, 2021 - Aug 31, 2021	-12.08% Nov 29, 2017 - Aug 21, 2018