# Upstart Holdings, Inc. (UPST) vs State Street SPDR S&P 500 ETF Trust (SPY) · total-return overlay

LOPJLB holding-return compare (5Y). Dividends and splits. Each path starts at 0% from the first adjusted close in the window.

Upstart Holdings, Inc. (UPST) vs State Street SPDR S&P 500 ETF Trust (SPY) total return over 5Y: UPST -92.76%, SPY +92.05%. Regime UPST RECOVERY · SPY BULL. As of Oct 9, 2026. Research only.

- Interactive: https://www.lopjlb.com/vs/UPST/SPY
- API: `GET /bff/api/bigfive/compare-series?symbols=UPST%2CSPY&range=5y`

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| UPST | -92.76% | -96.90% | -47.43% |
| SPY | +92.05% | -24.49% | +14.86% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| UPST | -53.98% | -43.99% | -15.28% | -92.76% |
| SPY | +17.26% | +38.01% | +86.77% | +92.05% |

## Annual

| Year | UPST | SPY |
|---|---:|---:|
| YTD | -47.43% | +14.86% |
| 2025 | -28.08% | +18.01% |
| 2024 | +58.69% | +25.59% |
| 2023 | +216.99% | +26.73% |
| 2022 | -90.86% | -18.64% |
| 2021 | -54.57% | +9.92% |

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Research context only. Not personalized investment advice.