Happen (HAPN) vs Upstart (UPST)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Happen (HAPN) has outperformed Upstart (UPST) over the past year, losing 1.6% versus a loss of 53.6%. Over five years, HAPN leads with a -55.7% price change compared with -93.8% for UPST. Upstart is the larger company by market cap ($2.35 billion vs $1.77 billion), about 1.3 times the size.
On valuation, Happen trades at a lower forward P/E (6.5x vs 7.0x for Upstart).
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 | HAPN | UPST |
|---|---|---|
| Share price | $15.33 | $24.19 |
| Market cap | $1.77B | $2.35B |
| 1-day change | +1.12% | +0.71% |
| YTD return | -19.96% | -45.07% |
| 1-year return | -1.56% | -53.64% |
| 5-year return | -55.67% | -93.84% |
| P/E ratio (TTM) | 9.23 | 48.38 |
| Forward P/E | 6.47 | 6.96 |
| EPS (TTM) | $1.66 | $0.50 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| 52-week high | $21.67 | $55.22 |
| 52-week low | $13.05 | $22.56 |
| Distance from 52-week high | -29.26% | -56.19% |
| Analyst consensus | none | buy |
| Avg. price target upside | +61.45% | +65.36% |
| Average volume | 1.43M | 4.25M |
| Shares outstanding | 115.41M | 97.31M |
| Employees | 1,075 | 1,405 |
| 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
- HAPN has outperformed UPST by 52.1 percentage points over the past year.
- Upstart trades at a higher earnings multiple (48.4x vs 9.2x trailing P/E).
About Happen
HAPN stock →Happen, Inc. operates as a bank holding company that provides financial and lending services in the United States.
Finance · Finance: Consumer Services · 1,075 employees
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
HAPN vs UPST FAQ
Which is bigger, Happen or Upstart?
Upstart (UPST) is larger, with a market capitalization of $2.35B compared with $1.77B for Happen (HAPN).
Which stock has performed better over the past year, HAPN or UPST?
HAPN returned -1.56% over the past 12 months, compared with -53.64% for UPST (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HAPN or UPST?
HAPN has the lower trailing P/E at 9.2, versus 48.4 for UPST. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Happen and Upstart in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.