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UPST
vs
S&P 500
UPST
S&P 500
Over the past 12 months, UPST has underperformed S&P 500, delivering a return of -54% compared to S&P 500's +15% growth.
Stocks Performance
UPST vs S&P 500
Performance Gap
UPST vs S&P 500
Performance By Year
UPST vs S&P 500
Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.
Upstart Holdings Inc
Glance View
Upstart Holdings runs an online lending platform that helps banks and credit unions approve personal loans, auto loans, and home equity loans. Instead of acting like a traditional lender that holds most of the credit risk itself, Upstart uses software and data models to help its partners decide which borrowers to fund. Its core product is the technology and workflow that sits between borrowers looking for loans and financial institutions that want to make them. The company makes money mainly by charging fees tied to loan applications, loan originations, and software services used by its lending partners. Borrowers come to the platform through partner banks, credit unions, and direct channels, while the paying customers are usually the institutions that use Upstart’s underwriting and loan-origination tools. In practice, Upstart acts as a loan marketplace and decision engine, helping lenders process applications more quickly and with less manual underwriting. What sets Upstart apart is that it is not a bank balance-sheet lender at its core. It is a technology layer for consumer credit, built to help financial institutions make lending decisions using data-driven models rather than only traditional scorecards. That gives it a different role in the lending value chain: it earns fees for connecting borrowers and lenders and for powering the underwriting process, instead of depending mainly on interest income from holding loans long term.