Upstart Holdings is a holding company. Through its subsidiaries, Co. is a cloud-based AI lending platform. Co.'s platform aggregates consumer demand for loans and connects it to its network of Upstart AI-enabled bank partners. Co.'s AI models are provided to bank partners within a consumer-facing cloud application that streamlines the end-to-end process of originating and servicing a loan. Co. has built a configurable, multi-tenant cloud application designed to integrate into a bank's existing technology systems. Consumers can discover Upstart-powered loans in one of two ways: either via Upstart.com or through a bank-branded product on its bank partners' own websites. The UPST average annual return since 2020 is shown above.
The Average Annual Return on the UPST average annual return since 2020 page and across the coverage universe of our site,
is a measure of the annualized return over the past ten years (or specified start date) for a given investment
(up to the end of prior trading session recorded). Arguably, choosing ten years for a measurement
period is on the one hand completely arbitrary, but on the other hand provides a sufficiently long window
to capture long-term trends.
Thus, researching Average Annual Returns is good practice for investors — whether UPST average annual return since 2020 or other benchmarks/peers
— and when doing so it is also important to factor in dividends, because a financial instrument's annualized return is
more than just the change in price if that instrument pays a dividend or coupon. Our website aims to empower investors
by performing the UPST average annual return calculation with any dividends reinvested as applicable (on ex-dates).
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