About UPST Dividend Returns
Upstart Holdings, Inc. (UPST) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.
How We Calculate Total Return
Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.
Frequently Asked Questions
Q1What is the total return of UPST over the past year?
Upstart Holdings, Inc. (UPST) delivered a return of -59.16% over the past year. Since UPST does not currently pay dividends, the total return equals the price-only return.
Q2How much would $10,000 invested in UPST be worth today?
A $10,000 investment in Upstart Holdings, Inc. one year ago would be worth $4,084 today, representing a loss of $5,916.
Q3Does UPST pay dividends?
Upstart Holdings, Inc. (UPST) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For UPST, the total return equals the price-only return.
Q4Did UPST beat the S&P 500?
No, Upstart Holdings, Inc. (UPST) underperformed the S&P 500 by 74.61 percentage points over the past year. UPST delivered a total return of -59.16%, compared to the S&P 500's 15.45%. This means a passive S&P 500 index fund outperformed UPST by 74.61pp during this period.
Q5What is UPST's worst drawdown?
Upstart Holdings, Inc. (UPST) experienced a maximum drawdown of -67.63% over the past year, declining from its peak on 2025-07-23 to its trough on 2026-02-27. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.
Q6What is UPST's long-term total return over 10, 20, or 30 years?
Upstart Holdings, Inc. (UPST) has delivered strong long-term returns with dividends reinvested. Over 10 years, the total return is -7.6% (-0.8% CAGR) — $10,000 would have grown to $9,240. Over 20 years: -7.6% total return (-0.4% CAGR) — $10,000 → $9,240. Over 30 years: -7.6% total return (-0.3% CAGR) — $10,000 → $9,240. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.
Q7What was UPST's best and worst year?
Upstart Holdings, Inc.'s best calendar year was 2021 with a total return of 243.9%. Its worst year was 2022 with a total return of -90.9%. This range shows the volatility investors should expect — the difference between the best and worst year is 334.8 percentage points.
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