HAPN
Price
$14.66
Change
-$0.12 (-0.81%)
Updated
Oct 1, 11:12 AM (EDT)
Capitalization
1.72B
27 days until earnings call
Intraday BUY SELL Signals
UPST
Price
$22.89
Change
-$0.10 (-0.43%)
Updated
Oct 1, 11:26 AM (EDT)
Capitalization
2.24B
40 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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VS
HAPN vs. UPST commentary
Oct 01, 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 Hold and UPST is a Hold.

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SUMMARIES
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FUNDAMENTALS RATINGS
HAPN: Fundamental Ratings
HAPN
OUTLOOK RATING
1..100
69
VALUATION
overvalued / fair valued / undervalued
1..100
97
Overvalued
PROFIT vs RISK RATING
1..100
100
SMR RATING
1..100
14
PRICE GROWTH RATING
1..100
64
P/E GROWTH RATING
1..100
97
SEASONALITY SCORE
1..100
n/a

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 (%)
Bullish Trend 1 day ago
75%
Bullish Trend 1 day ago
90%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
71%
Bullish Trend 1 day ago
83%
Momentum
ODDS (%)
N/A
Bearish Trend 3 days ago
87%
MACD
ODDS (%)
N/A
Bearish Trend 1 day ago
90%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
80%
Bearish Trend 1 day ago
90%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
81%
Bearish Trend 1 day ago
88%
Advances
ODDS (%)
Bullish Trend 11 days ago
78%
Bullish Trend 10 days ago
85%
Declines
ODDS (%)
Bearish Trend 4 days ago
81%
Bearish Trend 4 days ago
90%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
81%
Bullish Trend 1 day ago
85%
Aroon
ODDS (%)
Bearish Trend 1 day ago
81%
Bearish Trend 1 day ago
87%
COMPARISON
Comparison
Oct 01, 2026
Stock price -- (HAPN: $14.78 vs. UPST: $22.99)
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: 104% vs. UPST: 75%
Market capitalization -- HAPN: $1.72B vs. UPST: $2.24B
HAPN [@Regional Banks] is valued at $1.72B. UPST’s [@Savings Banks] market capitalization is $2.24B. The market cap for tickers in the [@Regional Banks] industry ranges from $22.65 to $173.74B. The market cap for tickers in the [@Savings Banks] industry ranges from $1.59M to $690.38B. The average market capitalization across the [@Regional Banks] industry is $6.12B. The average market capitalization across the [@Savings Banks] industry is $32.88B.

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 overvalued. 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 while UPST’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 4 TA indicator(s) are bullish while UPST’s TA Score has 4 bullish TA indicator(s).

  • HAPN’s TA Score: 4 bullish, 2 bearish.
  • UPST’s TA Score: 4 bullish, 4 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 -2.44% price change this week, while UPST (@Savings Banks) price change was -5.97% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.68%. For the same industry, the average monthly price growth was -1.35%, and the average quarterly price growth was +9.53%.

The average weekly price growth across all stocks in the @Savings Banks industry was -3.65%. For the same industry, the average monthly price growth was -5.96%, and the average quarterly price growth was +3.09%.

Reported Earning Dates

HAPN is expected to report earnings on Oct 28, 2026.

UPST is expected to report earnings on Nov 10, 2026.

Industries' Descriptions

@Regional Banks (-0.68% 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 (-3.65% 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.

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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%
-0.94%
ASB - HAPN
62%
Loosely correlated
-0.10%
ALLY - HAPN
62%
Loosely correlated
-0.50%
NAVI - HAPN
58%
Loosely correlated
N/A
SOFI - HAPN
57%
Loosely correlated
-1.19%
HRI - HAPN
55%
Loosely correlated
-1.92%
More

UPST and

Correlation & Price change

A.I.dvisor indicates that over the last year, UPST has been closely correlated with AFRM. These tickers have moved in lockstep 73% of the time. This A.I.-generated data suggests there is a high 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%
-0.65%
AFRM - UPST
73%
Closely correlated
-0.10%
SOFI - UPST
69%
Closely correlated
-1.19%
OMF - UPST
54%
Loosely correlated
-1.70%
HAPN - UPST
54%
Loosely correlated
-0.94%
COF - UPST
52%
Loosely correlated
-1.73%
More