Upstart Holdings (UPST) seasonality heatmap
Returns across monthly, quarterly, and yearly periods. Cell color encodes signed magnitude; the scale auto-fits each table.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -10.2% | -30.6% | -5.8% | +23.1% | +7.0% | +4.9% | -16.7% | — | — | — | — | — |
| 2025 | +5.2% | +3.0% | -31.0% | +3.8% | -1.3% | +37.1% | +26.4% | -10.3% | -30.7% | -6.5% | -5.4% | -2.7% |
| 2024 | -22.3% | -18.9% | +4.4% | -17.7% | +11.7% | -4.6% | +18.4% | +52.2% | -5.9% | +21.7% | +61.9% | -21.9% |
| 2023 | +41.3% | -0.9% | -14.2% | -12.5% | +96.0% | +31.5% | +91.8% | -53.2% | -11.3% | -15.8% | +11.4% | +52.7% |
| 2022 | -28.0% | +44.9% | -31.0% | -31.2% | -32.8% | -37.3% | -23.1% | +6.5% | -19.7% | +11.5% | -15.7% | -32.4% |
| 2021 | +52.6% | +5.5% | +96.3% | -15.4% | +36.0% | -15.7% | -3.3% | +89.7% | +38.1% | +1.8% | -36.4% | -26.2% |
| 2020 | — | — | — | — | — | — | — | — | — | — | — | — |
| Avg | +6.4% | +0.5% | +3.1% | -8.3% | +19.4% | +2.6% | +22.0% | +17.0% | -5.9% | +2.5% | +3.2% | -6.1% |
| Median | -2.5% | +1.0% | -10.0% | -14.0% | +9.4% | +0.1% | +18.4% | +6.5% | -11.3% | +1.8% | -5.4% | -21.9% |
| Last 5Y Avg | -2.8% | -0.5% | -15.5% | -6.9% | +16.1% | +6.3% | +22.0% | +17.0% | -5.9% | +2.5% | +3.2% | -6.1% |
| Std Dev (σ) | 33.6% | 25.9% | 47.7% | 19.1% | 43.6% | 28.3% | 43.5% | 55.5% | 26.3% | 14.7% | 37.1% | 34.7% |
| Consistency (μ/σ) | 0.19 | 0.02 | 0.07 | -0.44 | 0.45 | 0.09 | 0.51 | 0.31 | -0.22 | 0.17 | 0.09 | -0.18 |
| Win Rate (%) | 50% | 50% | 33% | 33% | 67% | 50% | 60% | 60% | 20% | 60% | 40% | 20% |
| Winning / Losing Months | ▲3▼3 | ▲3▼3 | ▲2▼4 | ▲2▼4 | ▲4▼2 | ▲3▼3 | ▲3▼2 | ▲3▼2 | ▲1▼4 | ▲3▼2 | ▲2▼3 | ▲1▼4 |
| Longest Win / Loss Streak | ▲1▼1 | ▲2▼2 | ▲1▼2 | ▲2▼4 | ▲2▼1 | ▲2▼2 | ▲3▼2 | ▲2▼1 | ▲1▼4 | ▲2▼1 | ▲2▼2 | ▲1▼2 |
| Best | +52.6%in January 2021 | +44.9%in February 2022 | +96.3%in March 2021 | +23.1%in April 2026 | +96.0%in May 2023 | +37.1%in June 2025 | +91.8%in July 2023 | +89.7%in August 2021 | +38.1%in September 2021 | +21.7%in October 2024 | +61.9%in November 2024 | +52.7%in December 2023 |
| Worst | -28.0%in January 2022 | -30.6%in February 2026 | -31.0%in March 2025 | -31.2%in April 2022 | -32.8%in May 2022 | -37.3%in June 2022 | -23.1%in July 2022 | -53.2%in August 2023 | -30.7%in September 2025 | -15.8%in October 2023 | -36.4%in November 2021 | -32.4%in December 2022 |
-53.2%+96.3%
2026
Jan-10.2%
Feb-30.6%
Mar-5.8%
Apr+23.1%
May+7.0%
Jun+4.9%
Jul-16.7%
Aug—
Sep—
Oct—
Nov—
Dec—
2025
Jan+5.2%
Feb+3.0%
Mar-31.0%
Apr+3.8%
May-1.3%
Jun+37.1%
Jul+26.4%
Aug-10.3%
Sep-30.7%
Oct-6.5%
Nov-5.4%
Dec-2.7%
2024
Jan-22.3%
Feb-18.9%
Mar+4.4%
Apr-17.7%
May+11.7%
Jun-4.6%
Jul+18.4%
Aug+52.2%
Sep-5.9%
Oct+21.7%
Nov+61.9%
Dec-21.9%
2023
Jan+41.3%
Feb-0.9%
Mar-14.2%
Apr-12.5%
May+96.0%
Jun+31.5%
Jul+91.8%
Aug-53.2%
Sep-11.3%
Oct-15.8%
Nov+11.4%
Dec+52.7%
2022
Jan-28.0%
Feb+44.9%
Mar-31.0%
Apr-31.2%
May-32.8%
Jun-37.3%
Jul-23.1%
Aug+6.5%
Sep-19.7%
Oct+11.5%
Nov-15.7%
Dec-32.4%
2021
Jan+52.6%
Feb+5.5%
Mar+96.3%
Apr-15.4%
May+36.0%
Jun-15.7%
Jul-3.3%
Aug+89.7%
Sep+38.1%
Oct+1.8%
Nov-36.4%
Dec-26.2%
2020
Jan—
Feb—
Mar—
Apr—
May—
Jun—
Jul—
Aug—
Sep—
Oct—
Nov—
Dec—
Avg
Jan+6.4%
Feb+0.5%
Mar+3.1%
Apr-8.3%
May+19.4%
Jun+2.6%
Jul+22.0%
Aug+17.0%
Sep-5.9%
Oct+2.5%
Nov+3.2%
Dec-6.1%
Median
Jan-2.5%
Feb+1.0%
Mar-10.0%
Apr-14.0%
May+9.4%
Jun+0.1%
Jul+18.4%
Aug+6.5%
Sep-11.3%
Oct+1.8%
Nov-5.4%
Dec-21.9%
Last 5Y Avg
Jan-2.8%
Feb-0.5%
Mar-15.5%
Apr-6.9%
May+16.1%
Jun+6.3%
Jul+22.0%
Aug+17.0%
Sep-5.9%
Oct+2.5%
Nov+3.2%
Dec-6.1%
Std Dev (σ)
Jan33.6%
Feb25.9%
Mar47.7%
Apr19.1%
May43.6%
Jun28.3%
Jul43.5%
Aug55.5%
Sep26.3%
Oct14.7%
Nov37.1%
Dec34.7%
Consistency (μ/σ)
Jan0.19
Feb0.02
Mar0.07
Apr-0.44
May0.45
Jun0.09
Jul0.51
Aug0.31
Sep-0.22
Oct0.17
Nov0.09
Dec-0.18
Win Rate (%)
Jan50%
Feb50%
Mar33%
Apr33%
May67%
Jun50%
Jul60%
Aug60%
Sep20%
Oct60%
Nov40%
Dec20%
Winning / Losing Months
Jan▲3▼3
Feb▲3▼3
Mar▲2▼4
Apr▲2▼4
May▲4▼2
Jun▲3▼3
Jul▲3▼2
Aug▲3▼2
Sep▲1▼4
Oct▲3▼2
Nov▲2▼3
Dec▲1▼4
Longest Win / Loss Streak
Jan▲1▼1
Feb▲2▼2
Mar▲1▼2
Apr▲2▼4
May▲2▼1
Jun▲2▼2
Jul▲3▼2
Aug▲2▼1
Sep▲1▼4
Oct▲2▼1
Nov▲2▼2
Dec▲1▼2
Best
Jan+52.6%2021
Feb+44.9%2022
Mar+96.3%2021
Apr+23.1%2026
May+96.0%2023
Jun+37.1%2025
Jul+91.8%2023
Aug+89.7%2021
Sep+38.1%2021
Oct+21.7%2024
Nov+61.9%2024
Dec+52.7%2023
Worst
Jan-28.0%2022
Feb-30.6%2026
Mar-31.0%2025
Apr-31.2%2022
May-32.8%2022
Jun-37.3%2022
Jul-23.1%2022
Aug-53.2%2023
Sep-30.7%2025
Oct-15.8%2023
Nov-36.4%2021
Dec-32.4%2022
-53.2%+96.3%
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