UPST vs VLYPP

Comparison between Upstart Holdings Inc (UPST, Company) and Valley National Bancorp 625 FixedtoFloating Rate Series A NonCumulative Perpetual Preferred Stock (VLYPP, Company).

Both UPST and VLYPP are from the Financial Services sector.

5-Year PerformanceVLYPP has outperformed UPST, delivering a return of +4.3% compared to -23.1%

UPST vs VLYPP - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UPST(COMPANY)	VLYPP(COMPANY)
Market Cap	$3.12B	$3.11B
Max Drawdown	96.90%	55.80%
Sharpe Ratio	-0.54	0.70
5Y Beta	2.59	0.21
Industry	Credit Services	Banks - Regional
P/E Ratio	112.54	22.59
Forward P/E	34.25	N/A
Dividend Yield	N/A	1.78%
5Y Dividends CAGR	N/A	5.44%
Debt to Equity	0.00%	N/A
Free Cash Flow Yield	-12.56%	N/A
P/S Ratio	N/A	1.69

Market Cap

Winner

UPST

$3.12B

VLYPP

$3.11B

Max Drawdown

UPST

96.90%

Winner

VLYPP

55.80%

Sharpe Ratio

UPST

-0.54

Winner

VLYPP

0.70

5Y Beta

UPST

2.59

Winner

VLYPP

0.21

Industry

UPST

Credit Services

VLYPP

Banks - Regional

P/E Ratio

UPST

112.54

Winner

VLYPP

22.59

Forward P/E

UPST

34.25

VLYPP

N/A

Dividend Yield

UPST

N/A

VLYPP

1.78%

5Y Dividends CAGR

UPST

N/A

VLYPP

5.44%

Debt to Equity

UPST

0.00%

VLYPP

N/A

Free Cash Flow Yield

UPST

-12.56%

VLYPP

N/A

P/S Ratio

UPST

N/A

VLYPP

1.69

UPST vs VLYPP - Historical Returns

Returns include dividend reinvestment.

Period	UPST	VLYPP
1 month	+7.67%	-0.45%
3 months	+26.37%	+1.40%
6 months	-31.63%	+1.52%
1 year	-47.20%	+8.63%
5 years(CAGR)	-23.05%	+4.29%
10 years(CAGR)	N/A	+4.93%
Max(CAGR)	+2.05%	+6.41%

Winner

UPST

+7.67%

VLYPP

-0.45%

Winner

UPST

+26.37%

VLYPP

+1.40%

UPST

-31.63%

Winner

VLYPP

+1.52%

UPST

-47.20%

Winner

VLYPP

+8.63%

5Y(CAGR)

UPST

-23.05%

Winner

VLYPP

+4.29%

10Y(CAGR)

UPST

N/A

VLYPP

+4.93%

Max(CAGR)

UPST

+2.05%

Winner

VLYPP

+6.41%

UPST vs VLYPP - Annual Returns (2015 - 2026)

Returns include dividend reinvestment.

Year	UPST	VLYPP
2026	-28.08%	+1.04%
2025	-28.08%	+8.29%
2024	+58.69%	+38.43%
2023	+216.99%	-13.05%
2022	-90.86%	-12.81%
2021	+243.94%	+11.90%
2020	+38.28%	+5.65%
2019	N/A	+23.56%
2018	N/A	-6.90%
2017	N/A	+13.82%
2016	N/A	-1.07%
2015	N/A	+13.76%

UPST vs VLYPP 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 VLYPP was -49.83%, occurring on May 11, 2023. Recovery took 790 trading sessions.

The current UPST drawdown is -91.55%. The current VLYPP drawdown is -1.15%.

Rank	UPST	VLYPP
#1	-96.90% Oct 15, 2021 - May 2, 2023	-49.83% Aug 3, 2021 - Sep 24, 2024
#2	-54.13% Feb 12, 2021 - Mar 18, 2021	-45.07% Sep 20, 2019 - Dec 9, 2020
#3	-49.02% Mar 22, 2021 - May 27, 2021	-23.33% Jul 10, 2017 - Jun 7, 2019
#4	-33.48% Jun 7, 2021 - Aug 11, 2021	-15.84% Sep 7, 2016 - May 26, 2017
#5	-18.75% Dec 22, 2020 - Jan 5, 2021	-11.40% Dec 31, 2024 - Jul 1, 2025
#6	-13.85% Sep 23, 2021 - Oct 13, 2021	-10.48% Dec 15, 2020 - Jun 1, 2021
#7	-13.39% May 27, 2021 - Jun 7, 2021	-8.35% Jan 6, 2016 - Mar 28, 2016
#8	-13.12% Jan 12, 2021 - Jan 21, 2021	-5.39% Apr 12, 2016 - May 31, 2016
#9	-8.67% Aug 18, 2021 - Aug 24, 2021	-5.03% Jun 10, 2021 - Jul 28, 2021
#10	-7.68% Jan 25, 2021 - Feb 1, 2021	-4.99% Sep 4, 2019 - Sep 19, 2019
#11	-7.10% Sep 9, 2021 - Sep 16, 2021	-4.76% Jun 7, 2019 - Aug 1, 2019
#12	-6.78% Dec 18, 2020 - Dec 22, 2020	-4.44% Mar 30, 2016 - Apr 8, 2016
#13	-5.66% Feb 3, 2021 - Feb 9, 2021	-3.27% Nov 27, 2015 - Dec 28, 2015
#14	-4.80% Jan 7, 2021 - Jan 12, 2021	-2.87% Jun 4, 2021 - Jun 10, 2021
#15	-3.38% Aug 27, 2021 - Aug 31, 2021	-2.87% Oct 14, 2024 - Nov 29, 2024