HAPN vs UPST
HAPN: LendingClub is a fintech lender and bank that originates and securitizes personal loans, auto loans, and small business credit through an online marketplace and third-party issuing partners. UPST: AI-powered marketplace that reimagines consumer lending through proprietary machine learning models to deliver higher approval rates and lower interest rates than traditional FICO-based systems.
Side-by-side fundamentals
| Metric | HAPN | UPST | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $18.81 | $28.64 | |
| Market cap as of 2026-07-23 | $2.2B | $2.7B | |
| P/E as of 2026-07-23 | 12.64 | 55.49 | HAPN lower |
| PEG as of 2026-07-23 | 0.05 | 1.72 | HAPN lower |
| Net margin as of 2026-07-23 | +15.8% | +4.3% | HAPN higher |
| Gross margin as of 2026-07-23 | +70.9% | +82.2% | UPST higher |
| Operating margin as of 2026-07-23 | +21.0% | +4.1% | HAPN higher |
| ROE as of 2026-07-23 | +11.9% | +7.3% | HAPN higher |
| ROA as of 2026-07-23 | +1.6% | +2.0% | UPST higher |
| Debt / equity as of 2026-07-23 | 6.72 | 2.29 | UPST lower |
| Revenue growth (YoY) as of 2026-07-23 | -28.9% | +57.7% | UPST higher |
| Revenue CAGR (3y) SEC XBRL | -18.2% | +7.4% | UPST higher |
| Beta as of 2026-07-23 | 1.17 | 2.21 | |
| 1-year return as of 2026-07-22 close | +3.4% | -64.2% | HAPN higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.