HAPN
Price
$19.64
Change
+$0.18 (+0.92%)
Updated
Jun 25, 03:35 PM (EDT)
Capitalization
2.24B
Intraday BUY SELL Signals
UPST
Price
$32.54
Change
-$0.11 (-0.34%)
Updated
Jun 25, 03:45 PM (EDT)
Capitalization
3.12B
47 days until earnings call
Intraday BUY SELL Signals
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HAPN vs UPST

HAPN vs UPST Comparison Chart in %
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HAPN vs. UPST commentary
Jun 25, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is HAPN is a Buy and UPST is a Buy.

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COMPARISON
Comparison
Jun 25, 2026
Stock price -- (HAPN: $19.46 vs. UPST: $32.65)
Brand notoriety: HAPN and UPST are both not notable
HAPN represents the Regional Banks, while UPST is part of the Savings Banks industry
Current volume relative to the 65-day Moving Average: HAPN: 139% vs. UPST: 101%
Market capitalization -- HAPN: $2.24B vs. UPST: $3.12B
HAPN [@Regional Banks] is valued at $2.24B. UPST’s [@Savings Banks] market capitalization is $3.12B. The market cap for tickers in the [@Regional Banks] industry ranges from $142.82B to $0. The market cap for tickers in the [@Savings Banks] industry ranges from $631.82B to $0. The average market capitalization across the [@Regional Banks] industry is $6.24B. The average market capitalization across the [@Savings Banks] industry is $31.38B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

HAPN’s FA Score shows that 1 FA rating(s) are green whileUPST’s FA Score has 0 green FA rating(s).

  • HAPN’s FA Score: 1 green, 4 red.
  • UPST’s FA Score: 0 green, 5 red.
According to our system of comparison, HAPN is a better buy in the long-term than UPST.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

HAPN’s TA Score shows that 6 TA indicator(s) are bullish while UPST’s TA Score has 5 bullish TA indicator(s).

  • HAPN’s TA Score: 6 bullish, 4 bearish.
  • UPST’s TA Score: 5 bullish, 5 bearish.
According to our system of comparison, HAPN is a better buy in the short-term than UPST.

Price Growth

HAPN (@Regional Banks) experienced а +3.46% price change this week, while UPST (@Savings Banks) price change was +7.19% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.10%. For the same industry, the average monthly price growth was +5.30%, and the average quarterly price growth was +14.58%.

The average weekly price growth across all stocks in the @Savings Banks industry was +1.10%. For the same industry, the average monthly price growth was +3.47%, and the average quarterly price growth was -1.43%.

Reported Earning Dates

UPST is expected to report earnings on Aug 11, 2026.

Industries' Descriptions

@Regional Banks (+2.10% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

@Savings Banks (+1.10% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
UPST($3.13B) has a higher market cap than HAPN($2.25B). UPST has higher P/E ratio than HAPN: UPST (76.39) vs HAPN (12.44). HAPN YTD gains are higher at: 2.746 vs. UPST (-25.337).
HAPNUPSTHAPN / UPST
Capitalization2.25B3.13B72%
EBITDAN/AN/A-
Gain YTD2.746-25.337-11%
P/E Ratio12.4476.3916%
RevenueN/A1.12B-
Total CashN/AN/A-
Total DebtN/A1.94B-
FUNDAMENTALS RATINGS
HAPN: Fundamental Ratings
HAPN
OUTLOOK RATING
1..100
30
VALUATION
overvalued / fair valued / undervalued
1..100
97
Overvalued
PROFIT vs RISK RATING
1..100
91
SMR RATING
1..100
33
PRICE GROWTH RATING
1..100
50
P/E GROWTH RATING
1..100
93
SEASONALITY SCORE
1..100
16

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

TECHNICAL ANALYSIS
Technical Analysis
HAPNUPST
RSI
ODDS (%)
Bearish Trend 2 days ago
80%
Bearish Trend 2 days ago
85%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
75%
Bearish Trend 2 days ago
82%
Momentum
ODDS (%)
Bullish Trend 2 days ago
76%
Bullish Trend 2 days ago
87%
MACD
ODDS (%)
Bullish Trend 2 days ago
85%
Bullish Trend 2 days ago
80%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
81%
Bullish Trend 2 days ago
87%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
83%
Bullish Trend 2 days ago
87%
Advances
ODDS (%)
Bullish Trend 2 days ago
79%
Bullish Trend 2 days ago
86%
Declines
ODDS (%)
Bearish Trend 18 days ago
80%
Bearish Trend 9 days ago
89%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
72%
Bearish Trend 2 days ago
81%
Aroon
ODDS (%)
Bullish Trend 2 days ago
90%
Bearish Trend 2 days ago
89%
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HAPN
Daily Signal:
Gain/Loss:
UPST
Daily Signal:
Gain/Loss:
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HAPN and

Correlation & Price change

A.I.dvisor indicates that over the last year, HAPN has been loosely correlated with ASB. These tickers have moved in lockstep 62% of the time. This A.I.-generated data suggests there is some statistical probability that if HAPN jumps, then ASB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HAPN
1D Price
Change %
HAPN100%
+2.64%
ASB - HAPN
62%
Loosely correlated
+1.87%
ALLY - HAPN
62%
Loosely correlated
+0.73%
NAVI - HAPN
58%
Loosely correlated
+5.76%
SOFI - HAPN
57%
Loosely correlated
+0.12%
HRI - HAPN
55%
Loosely correlated
-0.04%
More

UPST and

Correlation & Price change

A.I.dvisor indicates that over the last year, UPST has been loosely correlated with AFRM. These tickers have moved in lockstep 62% of the time. This A.I.-generated data suggests there is some statistical probability that if UPST jumps, then AFRM could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UPST
1D Price
Change %
UPST100%
+3.78%
AFRM - UPST
62%
Loosely correlated
+8.12%
SOFI - UPST
61%
Loosely correlated
+0.12%
HAPN - UPST
54%
Loosely correlated
+2.64%
SYF - UPST
50%
Loosely correlated
+1.71%
SEZL - UPST
49%
Loosely correlated
+5.05%
More