WERN vs UPST

Comparison between Werner Enterprises Inc (WERN, Company) and Upstart Holdings Inc (UPST, Company).

WERN is from the Industrials sector, while UPST is from the Financial Services sector.

5-Year PerformanceWERN has outperformed UPST, delivering a return of +1.1% compared to -25.0%

WERN vs UPST - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	WERN(COMPANY)	UPST(COMPANY)
Market Cap	$2.75B	$2.74B
Max Drawdown	53.19%	96.90%
Sharpe Ratio	1.39	-1.12
5Y Beta	0.80	2.59
Industry	Trucking	Credit Services
P/E Ratio	-321.15	98.71
Forward P/E	42.92	36.50
Dividend Yield	1.22%	N/A
5Y Dividends CAGR	11.84%	N/A
Debt to Equity	64.92%	0.00%
Free Cash Flow Yield	-1.59%	-14.32%

Market Cap

Winner

WERN

$2.75B

UPST

$2.74B

Max Drawdown

Winner

WERN

53.19%

UPST

96.90%

Sharpe Ratio

Winner

WERN

1.39

UPST

-1.12

5Y Beta

Winner

WERN

0.80

UPST

2.59

Industry

WERN

Trucking

UPST

Credit Services

P/E Ratio

Winner

WERN

-321.15

UPST

98.71

Forward P/E

WERN

42.92

Winner

UPST

36.50

Dividend Yield

WERN

1.22%

UPST

N/A

5Y Dividends CAGR

WERN

11.84%

UPST

N/A

Debt to Equity

WERN

64.92%

Winner

UPST

0.00%

Free Cash Flow Yield

Winner

WERN

-1.59%

UPST

-14.32%

WERN vs UPST - Historical Returns

Returns include dividend reinvestment.

Period	WERN	UPST
1 month	+7.37%	-12.30%
3 months	+29.91%	-15.94%
6 months	+30.75%	-39.08%
1 year	+55.98%	-67.21%
5 years(CAGR)	+1.11%	-25.04%
10 years(CAGR)	+8.25%	N/A
Max(CAGR)	+8.73%	-1.17%

Winner

WERN

+7.37%

UPST

-12.30%

Winner

WERN

+29.91%

UPST

-15.94%

Winner

WERN

+30.75%

UPST

-39.08%

Winner

WERN

+55.98%

UPST

-67.21%

5Y(CAGR)

Winner

WERN

+1.11%

UPST

-25.04%

10Y(CAGR)

WERN

+8.25%

UPST

N/A

Max(CAGR)

Winner

WERN

+8.73%

UPST

-1.17%

WERN vs UPST - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	WERN	UPST
2026	+45.18%	-39.81%
2025	-14.28%	-28.08%
2024	-13.23%	+58.69%
2023	+5.47%	+216.99%
2022	-13.62%	-90.86%
2021	+24.07%	+243.94%
2020	+9.18%	+38.28%
2019	+37.02%	N/A
2018	-23.31%	N/A
2017	+40.72%	N/A
2016	+16.72%	N/A
2015	-24.23%	N/A
2014	+28.10%	N/A
2013	+10.76%	N/A
2012	-4.53%	N/A
2011	+7.80%	N/A
2010	+22.56%	N/A
2009	+21.36%	N/A
2008	+16.82%	N/A
2007	-5.43%	N/A
2006	-11.48%	N/A
2005	-11.63%	N/A
2004	+14.00%	N/A
2003	+12.63%	N/A
2002	+18.48%	N/A
2001	+58.28%	N/A
2000	+25.68%	N/A
1999	-13.16%	N/A

WERN vs UPST Drawdown Comparison

The maximum drawdown for WERN was -51.13%, occurring on Nov 20, 2025. Recovery took 867 trading sessions.

The maximum drawdown for UPST was -96.90%, occurring on May 2, 2023. This drawdown has not yet recovered.

The current WERN drawdown is -7.15%. The current UPST drawdown is -92.93%.

Rank	WERN	UPST
#1	-51.13% Feb 2, 2023 - Jul 21, 2026	-96.90% Oct 15, 2021 - May 2, 2023
#2	-45.62% Sep 19, 2008 - Jan 13, 2010	-54.13% Feb 12, 2021 - Mar 18, 2021
#3	-45.09% Apr 28, 2000 - Jan 25, 2001	-49.02% Mar 22, 2021 - May 27, 2021
#4	-34.83% Mar 19, 2015 - Aug 28, 2017	-33.48% Jun 7, 2021 - Aug 11, 2021
#5	-32.72% Jun 29, 2001 - Dec 4, 2001	-18.75% Dec 22, 2020 - Jan 5, 2021
#6	-31.68% Jan 29, 2018 - Oct 22, 2019	-13.85% Sep 23, 2021 - Oct 13, 2021
#7	-30.45% Dec 28, 2004 - Jul 18, 2008	-13.39% May 27, 2021 - Jun 7, 2021
#8	-29.76% Nov 3, 1999 - Apr 12, 2000	-13.12% Jan 12, 2021 - Jan 21, 2021
#9	-25.71% Feb 6, 2020 - Apr 17, 2020	-8.67% Aug 18, 2021 - Aug 24, 2021
#10	-23.90% Apr 4, 2011 - Jan 31, 2012	-7.68% Jan 25, 2021 - Feb 1, 2021
#11	-23.79% May 10, 2021 - Feb 1, 2023	-7.10% Sep 9, 2021 - Sep 16, 2021
#12	-22.46% Jan 30, 2002 - Oct 21, 2002	-6.78% Dec 18, 2020 - Dec 22, 2020
#13	-21.82% Feb 13, 2001 - Apr 26, 2001	-5.66% Feb 3, 2021 - Feb 9, 2021
#14	-21.02% Nov 27, 2002 - Apr 28, 2003	-4.80% Jan 7, 2021 - Jan 12, 2021
#15	-19.04% Aug 26, 2020 - Mar 11, 2021	-3.38% Aug 27, 2021 - Aug 31, 2021