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UPST vs PAY

Comparison between Upstart Holdings Inc (UPST, Company) and Paymentus Holdings Inc - Class A (PAY, Company).

UPST is from the Financial Services sector, while PAY is from the Technology sector.

5-Year PerformancePAY has outperformed UPST, delivering a return of -3.6% compared to -28.7%

UPST vs PAY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
Winner
UPST
$2.94B
PAY
$2.93B
Max Drawdown
UPST
96.90%
Winner
PAY
80.78%
Sharpe Ratio
Winner
UPST
-0.25
PAY
-0.74
5Y Beta
UPST
2.57
Winner
PAY
1.15
Industry
UPST
Credit Services
PAY
Software - Infrastructure
P/E Ratio
UPST
105.88
Winner
PAY
43.46
Forward P/E
UPST
31.06
PAY
N/A
PEG Ratio
UPST
N/A
PAY
0.56
Debt to Equity
UPST
0.00%
PAY
0.00%
Free Cash Flow Yield
UPST
-13.35%
Winner
PAY
4.84%

UPST vs PAY - Historical Returns

Returns include dividend reinvestment.

1M
Winner
UPST
-7.22%
PAY
-16.01%
3M
Winner
UPST
+12.82%
PAY
-4.82%
6M
Winner
UPST
-26.96%
PAY
-31.90%
1Y
Winner
UPST
-35.54%
PAY
-37.81%
5Y(CAGR)
UPST
-28.71%
Winner
PAY
-3.62%
Max(CAGR)
Winner
UPST
+0.77%
PAY
-4.03%

UPST vs PAY - Annual Returns (2020 - 2026)

Returns include dividend reinvestment.

YearUPSTPAY
2026-32.98%-18.19%
2025-28.08%-3.22%
2024+58.69%+86.58%
2023+216.99%+118.46%
2022-90.86%-76.46%
2021+243.94%+22.26%
2020+38.28%N/A

UPST vs PAY 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 PAY was -80.78%, occurring on Dec 28, 2022. Recovery took 851 trading sessions.

The current UPST drawdown is -92.12%. The current PAY drawdown is -41.54%.

RankUPSTPAY
#1-96.90%
Oct 15, 2021 - May 2, 2023
-80.78%
Jul 6, 2021 - Nov 20, 2024
#2-54.13%
Feb 12, 2021 - Mar 18, 2021
-42.02%
May 19, 2025 - Feb 13, 2026
#3-49.02%
Mar 22, 2021 - May 27, 2021
-37.08%
Dec 2, 2024 - May 15, 2025
#4-33.48%
Jun 7, 2021 - Aug 11, 2021
-17.01%
Jun 2, 2021 - Jun 23, 2021
#5-18.75%
Dec 22, 2020 - Jan 5, 2021
-3.72%
Jun 24, 2021 - Jul 6, 2021
#6-13.85%
Sep 23, 2021 - Oct 13, 2021
-2.13%
May 26, 2021 - May 28, 2021
#7-13.39%
May 27, 2021 - Jun 7, 2021
-0.74%
Nov 26, 2024 - Dec 2, 2024
#8-13.12%
Jan 12, 2021 - Jan 21, 2021
-0.33%
Nov 20, 2024 - Nov 22, 2024
#9-8.67%
Aug 18, 2021 - Aug 24, 2021
N/A
#10-7.68%
Jan 25, 2021 - Feb 1, 2021
N/A
#11-7.10%
Sep 9, 2021 - Sep 16, 2021
N/A
#12-6.78%
Dec 18, 2020 - Dec 22, 2020
N/A
#13-5.66%
Feb 3, 2021 - Feb 9, 2021
N/A
#14-4.80%
Jan 7, 2021 - Jan 12, 2021
N/A
#15-3.38%
Aug 27, 2021 - Aug 31, 2021
N/A

Correlation

Correlation between UPST and PAY is 0.39 which considered as a weak positive correlation - the stocks show a slight tendency to move together.

0.39
-101

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