UPST vs DK

Comparison between Upstart Holdings Inc (UPST, Company) and Delek US Holdings Inc (DK, Company).

UPST is from the Financial Services sector, while DK is from the Energy sector.

5-Year PerformanceDK has outperformed UPST, delivering a return of +19.1% compared to -24.0%

UPST vs DK - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UPST(COMPANY)	DK(COMPANY)
Market Cap	$2.90B	$2.89B
Max Drawdown	96.90%	87.29%
Sharpe Ratio	-0.53	1.80
5Y Beta	2.58	0.80
Industry	Credit Services	Oil & Gas Refining & Marketing
P/E Ratio	104.44	-9.75
Forward P/E	32.89	20.33
PEG Ratio	N/A	-0.01
Dividend Yield	N/A	2.12%
5Y Dividends CAGR	N/A	15.51%
Debt to Equity	0.00%	1054.01%
Free Cash Flow Yield	-13.54%	16.52%
P/S Ratio	2.47	0.27
P/B Ratio	3.96	54.34

Market Cap

Winner

UPST

$2.90B

$2.89B

Max Drawdown

UPST

96.90%

Winner

87.29%

Sharpe Ratio

UPST

-0.53

Winner

1.80

5Y Beta

UPST

2.58

Winner

0.80

Industry

UPST

Credit Services

Oil & Gas Refining & Marketing

P/E Ratio

UPST

104.44

Winner

-9.75

Forward P/E

UPST

32.89

Winner

20.33

PEG Ratio

UPST

N/A

-0.01

Dividend Yield

UPST

N/A

2.12%

5Y Dividends CAGR

UPST

N/A

15.51%

Debt to Equity

Winner

UPST

0.00%

1054.01%

Free Cash Flow Yield

UPST

-13.54%

Winner

16.52%

P/S Ratio

UPST

2.47

Winner

0.27

P/B Ratio

Winner

UPST

3.96

54.34

UPST vs DK - Historical Returns

Returns include dividend reinvestment.

Period	UPST	DK
1 month	+10.81%	+0.56%
3 months	+15.73%	+13.03%
6 months	-35.29%	+39.27%
1 year	-45.08%	+138.98%
5 years(CAGR)	-24.02%	+19.06%
10 years(CAGR)	N/A	+17.07%
Max(CAGR)	+1.39%	+8.45%

Winner

UPST

+10.81%

+0.56%

Winner

UPST

+15.73%

+13.03%

UPST

-35.29%

Winner

+39.27%

UPST

-45.08%

Winner

+138.98%

5Y(CAGR)

UPST

-24.02%

Winner

+19.06%

10Y(CAGR)

UPST

N/A

+17.07%

Max(CAGR)

UPST

+1.39%

Winner

+8.45%

UPST vs DK - Annual Returns (2006 - 2026)

Returns include dividend reinvestment.

Year	UPST	DK
2026	-30.65%	+59.94%
2025	-28.08%	+68.99%
2024	+58.69%	-26.66%
2023	+216.99%	+3.87%
2022	-90.86%	+70.92%
2021	+243.94%	-2.22%
2020	+38.28%	-49.87%
2019	N/A	+4.63%
2018	N/A	-7.27%
2017	N/A	+41.63%
2016	N/A	+8.23%
2015	N/A	-11.90%
2014	N/A	-18.31%
2013	N/A	+35.51%
2012	N/A	+121.04%
2011	N/A	+58.59%
2010	N/A	+1.78%
2009	N/A	+26.41%
2008	N/A	-73.25%
2007	N/A	+30.39%
2006	N/A	+1.08%

UPST vs DK 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 DK was -86.87%, occurring on Nov 21, 2008. Recovery took 1293 trading sessions.

The current UPST drawdown is -91.85%. The current DK drawdown is -4.00%.

Rank	UPST	DK
#1	-96.90% Oct 15, 2021 - May 2, 2023	-86.87% Jul 19, 2007 - Sep 4, 2012
#2	-54.13% Feb 12, 2021 - Mar 18, 2021	-84.15% Jun 4, 2018 - Mar 26, 2026
#3	-49.02% Mar 22, 2021 - May 27, 2021	-69.90% Apr 1, 2015 - Jan 16, 2018
#4	-33.48% Jun 7, 2021 - Aug 11, 2021	-49.16% Mar 11, 2013 - Mar 18, 2015
#5	-18.75% Dec 22, 2020 - Jan 5, 2021	-31.35% Aug 23, 2006 - May 3, 2007
#6	-13.85% Sep 23, 2021 - Oct 13, 2021	-30.66% May 12, 2006 - Aug 11, 2006
#7	-13.39% May 27, 2021 - Jun 7, 2021	-21.51% Mar 27, 2026 - May 4, 2026
#8	-13.12% Jan 12, 2021 - Jan 21, 2021	-20.67% Jan 17, 2018 - Mar 21, 2018
#9	-8.67% Aug 18, 2021 - Aug 24, 2021	-15.65% Sep 4, 2012 - Jan 11, 2013
#10	-7.68% Jan 25, 2021 - Feb 1, 2021	-14.15% May 5, 2026 - May 21, 2026
#11	-7.10% Sep 9, 2021 - Sep 16, 2021	-9.50% Feb 14, 2013 - Mar 4, 2013
#12	-6.78% Dec 18, 2020 - Dec 22, 2020	-5.06% Jun 4, 2007 - Jun 13, 2007
#13	-5.66% Feb 3, 2021 - Feb 9, 2021	-4.27% Apr 11, 2018 - Apr 16, 2018
#14	-4.80% Jan 7, 2021 - Jan 12, 2021	-3.90% Jul 11, 2007 - Jul 18, 2007
#15	-3.38% Aug 27, 2021 - Aug 31, 2021	-3.78% May 21, 2018 - May 24, 2018

Correlation

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

-0.41

-101