Compare $HAPN vs $UPST | Chartloom

Compare

$HAPN vs $UPST

Happen Inc · Upstart Holdings Inc

HAPN

Happen Inc

UPST

Upstart Holdings Inc

Compare $HAPN vs $UPST

Comparing Happen Inc and Upstart Holdings Inc

HAPNHappen Inc

UPSTUpstart Holdings Inc

HAPNHappen Inc

Market cap

$1.75B

P/E (TTM)

9.10x

Forward P/E (NTM)

7.51x

Forward P/S (NTM)

1.49x

Rev growth (TTM)

18.4%

YTD performance

-18.5%

52W performance

-18.5%

FCF yield

-168.9%

UPSTUpstart Holdings Inc

Market cap

$2.31B

P/E (TTM)

43.83x

Forward P/E (NTM)

7.87x

Forward P/S (NTM)

1.39x

Rev growth (TTM)

46.3%

YTD performance

-47.4%

52W performance

-53.4%

FCF yield

-13.2%

Add ticker

Add up to 1 more ticker to compare

Relative performance

Each ticker starts at 100. 110 means +10% from the start of this window — not a $110 share price.

HAPN

UPST

Detailed metrics comparison

HAPN

Happen Inc

UPST

Upstart Holdings Inc

Market Cap

HAPN$1.75B

UPST$2.31B

Enterprise Value

HAPN$11.65B

UPST$3.85B

Price

HAPN$15.17

UPST$24.10

P/E Ratio

HAPN9.10x

UPST43.83x

P/S Ratio

HAPN1.67x

UPST1.85x

EV/Sales

HAPN11.11x

UPST3.09x

EV/EBITDA

HAPN23.70x

UPST50.65x

P/B Ratio

HAPN1.13x

UPST2.78x

P/FCF Ratio

HAPNN/A

UPSTN/A

EV/FCF

HAPN-3.94x

UPST-12.63x

PEG Ratio

HAPN0.06x

UPST1.22x

Forward P/E (NTM)

HAPN7.51x

UPST7.87x

Forward P/S (NTM)

HAPN1.49x

UPST1.39x

Revenue (TTM)

HAPN$1.05B

UPST$1.25B

Revenue Growth (YoY)

HAPN18.4%

UPST46.3%

Forward Rev Growth

HAPN16.8%

UPST31.4%

Gross Margin (TTM)

HAPN25.4%

UPST82.5%

Operating Margin (TTM)

HAPN25.6%

UPST4.6%

EBITDA Margin (TTM)

HAPN30.4%

UPST6.0%

Net Margin (TTM)

HAPN18.7%

UPST4.8%

FCF Margin (TTM)

HAPN-282.2%

UPST-24.5%

Net Income (TTM)

HAPN$196M

UPST$60M

FCF (TTM)

HAPN$-2.96B

UPST$-305M

EPS (TTM)

HAPN$1.67

UPST$0.55

ROE (TTM)

HAPN12.9%

UPST8.6%

ROA (TTM)

HAPN1.7%

UPST2.2%

ROIC (TTM)

HAPN1.7%

UPST2.5%

Cash

HAPN$913M

UPST$456M

Debt

HAPN$10.81B

UPST$2.00B

Net Cash/Debt

HAPN$-9.89B

UPST$-1.55B

Current Ratio (TTM)

HAPN0.09x

UPST1.55x

Quick Ratio (TTM)

HAPN0.09x

UPST1.55x

Debt/Equity (TTM)

HAPN6.89x

UPST2.51x

Debt/Assets (TTM)

HAPN0.0%

UPST0.0%

Interest Coverage (TTM)

HAPNN/A

UPSTN/A

Net Debt/EBITDA (TTM)

HAPN0.00x

UPST0.00x

Beta

HAPN1.74

UPST2.50

52W Performance

HAPN-18.5%

UPST-53.4%

YTD Performance

HAPN-18.5%

UPST-47.4%

% from 52W High

HAPN-28.6%

UPST-56.4%

% from 52W Low

HAPN4.2%

UPST6.8%

Asset Turnover (TTM)

HAPN0.07x

UPST0.31x

FCF Yield (TTM)

HAPN-168.9%

UPST-13.2%

Earnings Yield (TTM)

HAPN11.2%

UPST2.6%

Dividend Yield (TTM)

HAPNN/A

UPSTN/A

Rule of 40

HAPN-263.8

UPST21.8

EV/GP/RG

HAPN2.32

UPST0.11

Ticker research

View HAPN research View UPST research

Metric	HAPN Happen Inc	UPST Upstart Holdings Inc
Market & Valuation
Market Cap	$1.75B	$2.31B
Enterprise Value	$11.65B	$3.85B
Price	$15.17	$24.10
P/E Ratio	9.10x	43.83x
P/S Ratio	1.67x	1.85x
EV/Sales	11.11x	3.09x
EV/EBITDA	23.70x	50.65x
P/B Ratio	1.13x	2.78x
P/FCF Ratio	N/A	N/A
EV/FCF	-3.94x	-12.63x
PEG Ratio	0.06x	1.22x
Forward P/E (NTM)	7.51x	7.87x
Forward P/S (NTM)	1.49x	1.39x
Revenue & Growth
Revenue (TTM)	$1.05B	$1.25B
Revenue Growth (YoY)	18.4%	46.3%
Forward Rev Growth	16.8%	31.4%
Profitability
Gross Margin (TTM)	25.4%	82.5%
Operating Margin (TTM)	25.6%	4.6%
EBITDA Margin (TTM)	30.4%	6.0%
Net Margin (TTM)	18.7%	4.8%
FCF Margin (TTM)	-282.2%	-24.5%
Net Income (TTM)	$196M	$60M
FCF (TTM)	$-2.96B	$-305M
EPS (TTM)	$1.67	$0.55
ROE (TTM)	12.9%	8.6%
ROA (TTM)	1.7%	2.2%
ROIC (TTM)	1.7%	2.5%
Financial Health
Cash	$913M	$456M
Debt	$10.81B	$2.00B
Net Cash/Debt	$-9.89B	$-1.55B
Current Ratio (TTM)	0.09x	1.55x
Quick Ratio (TTM)	0.09x	1.55x
Debt/Equity (TTM)	6.89x	2.51x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.74	2.50
52W Performance	-18.5%	-53.4%
YTD Performance	-18.5%	-47.4%
% from 52W High	-28.6%	-56.4%
% from 52W Low	4.2%	6.8%
Efficiency & Yields
Asset Turnover (TTM)	0.07x	0.31x
FCF Yield (TTM)	-168.9%	-13.2%
Earnings Yield (TTM)	11.2%	2.6%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	-263.8	21.8
EV/GP/RG	2.32	0.11
Ticker research	View HAPN research	View UPST research

Valuation

P/E Ratio

HAPN

9.10x

UPST

43.83x

P/S Ratio

HAPN

1.67x

UPST

1.85x

EV/FCF

UPST

-12.63x

HAPN

-3.94x

Growth & revenue

Revenue Growth TTM

UPST

46.3%

HAPN

18.4%

Forward Revenue Growth

UPST

31.4%

HAPN

16.8%

Profitability & performance

Gross Margin

UPST

82.5%

HAPN

25.4%

ROE

HAPN

12.9%

UPST

8.6%

FCF Yield %

UPST

-13.2%

HAPN

-168.9%

52-Week Performance

HAPN

-18.5%

UPST

-53.4%

Detailed metrics comparison

HAPN

Happen Inc

UPST

Upstart Holdings Inc

Market Cap

HAPN$1.75B

UPST$2.31B

Enterprise Value

HAPN$11.65B

UPST$3.85B

Price

HAPN$15.17

UPST$24.10

P/E Ratio

HAPN9.10x

UPST43.83x

P/S Ratio

HAPN1.67x

UPST1.85x

EV/Sales

HAPN11.11x

UPST3.09x

EV/EBITDA

HAPN23.70x

UPST50.65x

P/B Ratio

HAPN1.13x

UPST2.78x

P/FCF Ratio

HAPNN/A

UPSTN/A

EV/FCF

HAPN-3.94x

UPST-12.63x

PEG Ratio

HAPN0.06x

UPST1.22x

Forward P/E (NTM)

HAPN7.51x

UPST7.87x

Forward P/S (NTM)

HAPN1.49x

UPST1.39x

Revenue (TTM)

HAPN$1.05B

UPST$1.25B

Revenue Growth (YoY)

HAPN18.4%

UPST46.3%

Forward Rev Growth

HAPN16.8%

UPST31.4%

Gross Margin (TTM)

HAPN25.4%

UPST82.5%

Operating Margin (TTM)

HAPN25.6%

UPST4.6%

EBITDA Margin (TTM)

HAPN30.4%

UPST6.0%

Net Margin (TTM)

HAPN18.7%

UPST4.8%

FCF Margin (TTM)

HAPN-282.2%

UPST-24.5%

Net Income (TTM)

HAPN$196M

UPST$60M

FCF (TTM)

HAPN$-2.96B

UPST$-305M

EPS (TTM)

HAPN$1.67

UPST$0.55

ROE (TTM)

HAPN12.9%

UPST8.6%

ROA (TTM)

HAPN1.7%

UPST2.2%

ROIC (TTM)

HAPN1.7%

UPST2.5%

Cash

HAPN$913M

UPST$456M

Debt

HAPN$10.81B

UPST$2.00B

Net Cash/Debt

HAPN$-9.89B

UPST$-1.55B

Current Ratio (TTM)

HAPN0.09x

UPST1.55x

Quick Ratio (TTM)

HAPN0.09x

UPST1.55x

Debt/Equity (TTM)

HAPN6.89x

UPST2.51x

Debt/Assets (TTM)

HAPN0.0%

UPST0.0%

Interest Coverage (TTM)

HAPNN/A

UPSTN/A

Net Debt/EBITDA (TTM)

HAPN0.00x

UPST0.00x

Beta

HAPN1.74

UPST2.50

52W Performance

HAPN-18.5%

UPST-53.4%

YTD Performance

HAPN-18.5%

UPST-47.4%

% from 52W High

HAPN-28.6%

UPST-56.4%

% from 52W Low

HAPN4.2%

UPST6.8%

Asset Turnover (TTM)

HAPN0.07x

UPST0.31x

FCF Yield (TTM)

HAPN-168.9%

UPST-13.2%

Earnings Yield (TTM)

HAPN11.2%

UPST2.6%

Dividend Yield (TTM)

HAPNN/A

UPSTN/A

Rule of 40

HAPN-263.8

UPST21.8

EV/GP/RG

HAPN2.32

UPST0.11

Ticker research

View HAPN research View UPST research

Metric	HAPN Happen Inc	UPST Upstart Holdings Inc
Market & Valuation
Market Cap	$1.75B	$2.31B
Enterprise Value	$11.65B	$3.85B
Price	$15.17	$24.10
P/E Ratio	9.10x	43.83x
P/S Ratio	1.67x	1.85x
EV/Sales	11.11x	3.09x
EV/EBITDA	23.70x	50.65x
P/B Ratio	1.13x	2.78x
P/FCF Ratio	N/A	N/A
EV/FCF	-3.94x	-12.63x
PEG Ratio	0.06x	1.22x
Forward P/E (NTM)	7.51x	7.87x
Forward P/S (NTM)	1.49x	1.39x
Revenue & Growth
Revenue (TTM)	$1.05B	$1.25B
Revenue Growth (YoY)	18.4%	46.3%
Forward Rev Growth	16.8%	31.4%
Profitability
Gross Margin (TTM)	25.4%	82.5%
Operating Margin (TTM)	25.6%	4.6%
EBITDA Margin (TTM)	30.4%	6.0%
Net Margin (TTM)	18.7%	4.8%
FCF Margin (TTM)	-282.2%	-24.5%
Net Income (TTM)	$196M	$60M
FCF (TTM)	$-2.96B	$-305M
EPS (TTM)	$1.67	$0.55
ROE (TTM)	12.9%	8.6%
ROA (TTM)	1.7%	2.2%
ROIC (TTM)	1.7%	2.5%
Financial Health
Cash	$913M	$456M
Debt	$10.81B	$2.00B
Net Cash/Debt	$-9.89B	$-1.55B
Current Ratio (TTM)	0.09x	1.55x
Quick Ratio (TTM)	0.09x	1.55x
Debt/Equity (TTM)	6.89x	2.51x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.74	2.50
52W Performance	-18.5%	-53.4%
YTD Performance	-18.5%	-47.4%
% from 52W High	-28.6%	-56.4%
% from 52W Low	4.2%	6.8%
Efficiency & Yields
Asset Turnover (TTM)	0.07x	0.31x
FCF Yield (TTM)	-168.9%	-13.2%
Earnings Yield (TTM)	11.2%	2.6%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	-263.8	21.8
EV/GP/RG	2.32	0.11
Ticker research	View HAPN research	View UPST research