Upstart (UPST) vs UWM (UWMC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Upstart (UPST) has outperformed UWM (UWMC) over the past year, losing 53.6% versus a loss of 78.9%. Over five years, UWMC leads with a -84.1% price change compared with -93.8% for UPST. Upstart is the larger company by market cap ($2.34 billion vs $1.82 billion), about 1.3 times the size.
On valuation, UWM trades at a lower forward P/E (3.3x vs 6.9x for Upstart). UWM pays a dividend yielding 35.40%, while Upstart does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | UPST | UWMC |
|---|---|---|
| Share price | $24.02 | $1.13 |
| Market cap | $2.34B | $1.82B |
| 1-day change | +0.67% | -5.83% |
| YTD return | -45.07% | -74.20% |
| 1-year return | -53.64% | -78.88% |
| 5-year return | -93.84% | -84.06% |
| P/E ratio (TTM) | 48.04 | — |
| Forward P/E | 6.91 | 3.28 |
| EPS (TTM) | $0.50 | $-0.10 |
| Dividend yield | 0.00% | 35.40% |
| Annual dividend | $0.00 | $0.40 |
| 52-week high | $55.22 | $6.15 |
| 52-week low | $22.56 | $0.93 |
| Distance from 52-week high | -56.50% | -81.63% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +66.53% | +81.42% |
| Average volume | 4.27M | 16.45M |
| Shares outstanding | 97.31M | 345.10M |
| Employees | 1,405 | 9,100 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- UPST has outperformed UWMC by 25.2 percentage points over the past year.
- UWM offers a meaningfully higher dividend yield (35.40% vs 0.00%).
About Upstart
UPST stock →Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other.
Finance · Finance: Consumer Services · 1,405 employees
About UWM
UWMC stock →UWM Holdings Corporation engages in the origination, sale, and servicing residential mortgage lending in the United States. The company offers mortgage loans through wholesale channel.
Finance · Finance: Consumer Services · 9,100 employees
UPST vs UWMC FAQ
Which is bigger, Upstart or UWM?
Upstart (UPST) is larger, with a market capitalization of $2.34B compared with $1.82B for UWM (UWMC).
Which stock has performed better over the past year, UPST or UWMC?
UPST returned -53.64% over the past 12 months, compared with -78.88% for UWMC (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Upstart or UWM?
UWM pays a dividend yielding 35.40%, while Upstart does not currently pay a regular dividend.
Are Upstart and UWM in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.