UPST vs PHIN

Comparison between Upstart Holdings Inc (UPST, Company) and PHINIA Inc (PHIN, Company).

UPST is from the Financial Services sector, while PHIN is from the Consumer Cyclical sector.

UPST vs PHIN - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UPST(COMPANY)	PHIN(COMPANY)
Market Cap	$2.94B	$2.94B
Max Drawdown	96.90%	35.30%
Sharpe Ratio	-0.25	2.12
5Y Beta	2.57	1.12
Industry	Credit Services	Auto Parts
P/E Ratio	105.88	24.98
Forward P/E	31.06	11.36
PEG Ratio	N/A	0.28
Dividend Yield	N/A	1.48%
Debt to Equity	0.00%	62.56%
Free Cash Flow Yield	-13.35%	11.04%

Market Cap

UPST

$2.94B

Winner

PHIN

$2.94B

Max Drawdown

UPST

96.90%

Winner

PHIN

35.30%

Sharpe Ratio

UPST

-0.25

Winner

PHIN

2.12

5Y Beta

UPST

2.57

Winner

PHIN

1.12

Industry

UPST

Credit Services

PHIN

Auto Parts

P/E Ratio

UPST

105.88

Winner

PHIN

24.98

Forward P/E

UPST

31.06

Winner

PHIN

11.36

PEG Ratio

UPST

N/A

PHIN

0.28

Dividend Yield

UPST

N/A

PHIN

1.48%

Debt to Equity

Winner

UPST

0.00%

PHIN

62.56%

Free Cash Flow Yield

UPST

-13.35%

Winner

PHIN

11.04%

UPST vs PHIN - Historical Returns

Returns include dividend reinvestment.

Period	UPST	PHIN
1 month	-7.22%	+7.98%
3 months	+12.82%	+7.73%
6 months	-26.96%	+44.32%
1 year	-35.54%	+79.96%
5 years(CAGR)	-28.71%	N/A
Max(CAGR)	+0.77%	+32.14%

UPST

-7.22%

Winner

PHIN

+7.98%

Winner

UPST

+12.82%

PHIN

+7.73%

UPST

-26.96%

Winner

PHIN

+44.32%

UPST

-35.54%

Winner

PHIN

+79.96%

5Y(CAGR)

UPST

-28.71%

PHIN

N/A

Max(CAGR)

UPST

+0.77%

Winner

PHIN

+32.14%

UPST vs PHIN - Annual Returns (2020 - 2026)

Returns include dividend reinvestment.

Year	UPST	PHIN
2026	-32.98%	+21.03%
2025	-28.08%	+32.60%
2024	+58.69%	+61.40%
2023	+216.99%	-16.55%
2022	-90.86%	N/A
2021	+243.94%	N/A
2020	+38.28%	N/A

UPST vs PHIN 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 PHIN was -34.69%, occurring on Nov 9, 2023. Recovery took 177 trading sessions.

The current UPST drawdown is -92.12%. The current PHIN drawdown is -2.94%.

Rank	UPST	PHIN
#1	-96.90% Oct 15, 2021 - May 2, 2023	-34.69% Jun 28, 2023 - Mar 12, 2024
#2	-54.13% Feb 12, 2021 - Mar 18, 2021	-32.86% Nov 25, 2024 - Aug 13, 2025
#3	-49.02% Mar 22, 2021 - May 27, 2021	-20.36% Feb 24, 2026 - May 8, 2026
#4	-33.48% Jun 7, 2021 - Aug 11, 2021	-14.86% May 28, 2024 - Jul 16, 2024
#5	-18.75% Dec 22, 2020 - Jan 5, 2021	-13.57% Sep 11, 2025 - Dec 17, 2025
#6	-13.85% Sep 23, 2021 - Oct 13, 2021	-12.23% Sep 24, 2024 - Nov 6, 2024
#7	-13.39% May 27, 2021 - Jun 7, 2021	-11.86% Jul 17, 2024 - Aug 19, 2024
#8	-13.12% Jan 12, 2021 - Jan 21, 2021	-10.98% May 11, 2026 - May 19, 2026
#9	-8.67% Aug 18, 2021 - Aug 24, 2021	-9.11% Apr 9, 2024 - Apr 29, 2024
#10	-7.68% Jan 25, 2021 - Feb 1, 2021	-7.35% Aug 26, 2024 - Sep 19, 2024
#11	-7.10% Sep 9, 2021 - Sep 16, 2021	-4.73% Apr 1, 2024 - Apr 9, 2024
#12	-6.78% Dec 18, 2020 - Dec 22, 2020	-4.15% Feb 11, 2026 - Feb 24, 2026
#13	-5.66% Feb 3, 2021 - Feb 9, 2021	-3.89% Apr 29, 2024 - May 1, 2024
#14	-4.80% Jan 7, 2021 - Jan 12, 2021	-3.79% Mar 13, 2024 - Mar 21, 2024
#15	-3.38% Aug 27, 2021 - Aug 31, 2021	-3.55% Jan 15, 2026 - Jan 21, 2026