UPST vs HTGC

Comparison between Upstart Holdings Inc (UPST, Company) and Hercules Capital Inc (HTGC, Company).

Both UPST and HTGC are from the Financial Services sector.

5-Year PerformanceHTGC has outperformed UPST, delivering a return of +9.0% compared to -24.0%

UPST vs HTGC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UPST(COMPANY)	HTGC(COMPANY)
Market Cap	$2.90B	$2.90B
Max Drawdown	96.90%	75.85%
Sharpe Ratio	-0.53	-0.23
5Y Beta	2.58	0.77
Industry	Credit Services	Asset Management
P/E Ratio	104.44	8.53
Forward P/E	32.89	8.05
PEG Ratio	N/A	0.23
Dividend Yield	N/A	10.50%
5Y Dividends CAGR	N/A	4.97%
Debt to Equity	0.00%	114.01%
Free Cash Flow Yield	-13.54%	-14.97%
P/S Ratio	2.47	5.21
P/B Ratio	3.96	1.30

Market Cap

UPST

$2.90B

Winner

HTGC

$2.90B

Max Drawdown

UPST

96.90%

Winner

HTGC

75.85%

Sharpe Ratio

UPST

-0.53

Winner

HTGC

-0.23

5Y Beta

UPST

2.58

Winner

HTGC

0.77

Industry

UPST

Credit Services

HTGC

Asset Management

P/E Ratio

UPST

104.44

Winner

HTGC

8.53

Forward P/E

UPST

32.89

Winner

HTGC

8.05

PEG Ratio

UPST

N/A

HTGC

0.23

Dividend Yield

UPST

N/A

HTGC

10.50%

5Y Dividends CAGR

UPST

N/A

HTGC

4.97%

Debt to Equity

Winner

UPST

0.00%

HTGC

114.01%

Free Cash Flow Yield

Winner

UPST

-13.54%

HTGC

-14.97%

P/S Ratio

Winner

UPST

2.47

HTGC

5.21

P/B Ratio

UPST

3.96

Winner

HTGC

1.30

UPST vs HTGC - Historical Returns

Returns include dividend reinvestment.

Period	UPST	HTGC
1 month	+10.81%	-0.90%
3 months	+15.73%	+10.76%
6 months	-35.29%	-13.18%
1 year	-45.08%	-4.61%
5 years(CAGR)	-24.02%	+8.96%
10 years(CAGR)	N/A	+13.67%
Max(CAGR)	+1.39%	+11.61%

Winner

UPST

+10.81%

HTGC

-0.90%

Winner

UPST

+15.73%

HTGC

+10.76%

UPST

-35.29%

Winner

HTGC

-13.18%

UPST

-45.08%

Winner

HTGC

-4.61%

5Y(CAGR)

UPST

-24.02%

Winner

HTGC

+8.96%

10Y(CAGR)

UPST

N/A

HTGC

+13.67%

Max(CAGR)

UPST

+1.39%

Winner

HTGC

+11.61%

UPST vs HTGC - Annual Returns (2005 - 2026)

Returns include dividend reinvestment.

Year	UPST	HTGC
2026	-30.65%	-13.04%
2025	-28.08%	+1.96%
2024	+58.69%	+32.98%
2023	+216.99%	+41.90%
2022	-90.86%	-10.44%
2021	+243.94%	+28.51%
2020	+38.28%	+14.66%
2019	N/A	+37.73%
2018	N/A	-7.89%
2017	N/A	-0.02%
2016	N/A	+27.29%
2015	N/A	-10.92%
2014	N/A	-0.53%
2013	N/A	+57.57%
2012	N/A	+26.44%
2011	N/A	-3.48%
2010	N/A	+4.16%
2009	N/A	+53.21%
2008	N/A	-22.46%
2007	N/A	-4.17%
2006	N/A	+35.73%
2005	N/A	-7.27%

UPST vs HTGC 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 HTGC was -68.28%, occurring on Mar 5, 2009. Recovery took 599 trading sessions.

The current UPST drawdown is -91.85%. The current HTGC drawdown is -17.69%.

Rank	UPST	HTGC
#1	-96.90% Oct 15, 2021 - May 2, 2023	-68.28% May 23, 2007 - Oct 7, 2009
#2	-54.13% Feb 12, 2021 - Mar 18, 2021	-57.47% Feb 21, 2020 - Dec 23, 2020
#3	-49.02% Mar 22, 2021 - May 27, 2021	-36.10% Apr 20, 2022 - Jul 18, 2023
#4	-33.48% Jun 7, 2021 - Aug 11, 2021	-33.89% Jul 28, 2014 - Aug 9, 2016
#5	-18.75% Dec 22, 2020 - Jan 5, 2021	-28.12% Feb 19, 2025 - Mar 27, 2026
#6	-13.85% Sep 23, 2021 - Oct 13, 2021	-27.93% Aug 12, 2005 - Sep 29, 2006
#7	-13.39% May 27, 2021 - Jun 7, 2021	-24.45% Apr 6, 2011 - Feb 3, 2012
#8	-13.12% Jan 12, 2021 - Jan 21, 2021	-23.46% Apr 23, 2010 - Jan 5, 2011
#9	-8.67% Aug 18, 2021 - Aug 24, 2021	-19.98% Aug 22, 2018 - Feb 22, 2019
#10	-7.68% Jan 25, 2021 - Feb 1, 2021	-19.09% Nov 27, 2013 - Jul 2, 2014
#11	-7.10% Sep 9, 2021 - Sep 16, 2021	-18.82% Apr 26, 2017 - Aug 15, 2018
#12	-6.78% Dec 18, 2020 - Dec 22, 2020	-18.27% Jul 30, 2024 - Jan 16, 2025
#13	-5.66% Feb 3, 2021 - Feb 9, 2021	-17.31% Jan 19, 2010 - Apr 6, 2010
#14	-4.80% Jan 7, 2021 - Jan 12, 2021	-15.09% Oct 19, 2009 - Jan 4, 2010
#15	-3.38% Aug 27, 2021 - Aug 31, 2021	-13.80% Aug 7, 2023 - Jan 4, 2024