How much would $1,000 invested in UPST be worth today?

$1,000 invested in UPST on December 16, 2020 would be worth $803 on October 20, 2026, with dividends reinvested — −3.7% a year compounded (CAGR).

How far back does the UPST calculator go?

UPST data begins December 16, 2020, with a close every session. Pick any start and end date in that span — 5 years, 10 months of history.

Does this include dividends?

Yes. The default "dividends reinvested" view uses split- and dividend-adjusted closing prices — a standard total-return approximation that excludes taxes and fees. A price-only view (split-adjusted, no dividends) is also available.

If You Invested $1,000 in Upstart Holdings (UPST): What It Would Be Worth Today

UPST

$23.65+1.72%

as of close, Oct 20, 2026

☾ AH $23.65 +1.72%

Upstart Holdings Inc.Stock · FinancialsRussell 2000 · 0.09% of IWMNasdaq Composite · 0.007% of ONEQRussell 3000 · 0.004% of IWVUS Stock Market · 0.004% of VTI

PeersSOFIAFRMSPYQQQNVDAAAPL

Share this page

Your investment#

How much

All at once, on the start date

Pick start & end dates5 years, 10 months

Start

Key dates

Start at a well-known dateRecentMarket topsMarket bottomsEvents

Bought at that day's close

End

Key dates

End at a well-known dateMarket topsMarket bottomsEvents

Latest close, Oct 20, 2026

Or drag the slider to set start and end dates

2020 to today, log scale

2022 bear market

20222023202420252026Dec 2020Today

Options

Result#

$1,000Dec 16, 2020$803Oct 20, 20260.80×your money

$1,000 invested in UPST on December 16, 2020 was worth $803 on October 20, 2026, with dividends reinvested.

That’s −3.7% a year compounded (CAGR) over 5 years, 10 months: 0.80 times your money.

Over the same dates the same $1,000 would be worth $2,253 in the S&P 500 and $2,406 in the Nasdaq-100: UPST trailed both the S&P 500 and the Nasdaq-100.

Price only$803if dividends were spent

Biggest fall−96.9%Oct 15, 2021 to May 2, 2023

At a flat 5% a year$1,330a savings account's rate

Loss$197on $1,000 put in

How this period ranks#

These dates cover the whole record, so there is no other period this long to compare.

Your dates

−100%0%210%

Worst: —Best: —

One scale for every length, so longer periods bunch up. Point at a bar.

Growth of $1,000 in UPST, December 16, 2020 to October 20, 2026#

Your $1,000$Your buySame plan in the S&P 500The highA lowLog scale: equal steps are equal percentage moves

Lowest value$411 · May 2023Highest value$13,234 · Oct 2021$1,590 · Mar 2021$2,852 · May 2021$3,837 · Jul 2021$

$500$2,000$5,000$10k$803

202120222023202420252026

How far UPST was below its previous high. The biggest fall: −96.9% from Oct 15, 2021 to May 2, 2023, not back to the high by the end date.

−96.9% from its high−54.1% from its high−49.0% from its high−33.5% from its high

high−97%

Your one buy. $1,000 on December 16, 2020, worth $803 on October 20, 2026. Pick Monthly or Yearly to see a plan's buys.

paid0.80×

What $1,000 would be worth on October 20, 2026, by start date#

Each point is the same amount invested that day and held to October 20, 2026, dividends reinvested. Above the line it made money.

Your start

$100$200$500$1,000$2,000

202120222023202420252026

$1,000 invested in UPST, by year#

Started on each year's first close and held to Oct 20, 2026, dividends reinvested.

Started	Worth Oct 20, 2026	Multiple	A year (CAGR)	Same in the Nasdaq-100
2020	$803	0.80×	−3.7%	$2,406
2021	$538	0.54×	−10.2%	$2,399
2022	$163	0.16×	−31.5%	$1,838
2023	$1,835	1.8×	17.3%	$2,772
2024	$610	0.61×	−16.2%	$1,808
2025	$389	0.39×	−40.9%	$1,418
2026	$516	0.52×	—	$1,174

Methodology#

A buy is made at the start date's close, or the next session's when the market was closed that day, and valued at the end date's close; a monthly or yearly plan buys on the same day of each month or year. "Dividends reinvested" uses split- and dividend-adjusted closes (a standard total-return approximation; taxes and fees excluded). "Price-only" uses split-adjusted closes. UPST data begins December 16, 2020; values as of October 20, 2026 and refresh daily. The ranking compares month-end to month-end periods. Past performance does not predict future returns; not investment advice.

See the live UPST chart and fundamentals on the UPST quote page or the S&P 500 return calculator.

FAQ#

How much would $1,000 invested in UPST be worth today?: $1,000 invested in UPST on December 16, 2020 would be worth $803 on October 20, 2026, with dividends reinvested — −3.7% a year compounded (CAGR).
How far back does the UPST calculator go?: UPST data begins December 16, 2020, with a close every session. Pick any start and end date in that span — 5 years, 10 months of history.
Does this include dividends?: Yes. The default "dividends reinvested" view uses split- and dividend-adjusted closing prices — a standard total-return approximation that excludes taxes and fees. A price-only view (split-adjusted, no dividends) is also available.

UPST return calculator