Business Description
Happen Inc
NAICS : 522110
SIC : 6021
ISIN : US52603A2087
Total Employee Number:
1,075Compare
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Traded in other countries / regions
HAPN.USA8LCA.Germany Index Membership
Russell 2000Russell 3000 IPO Date
2014-12-11Description
Happen Inc. is a U.S. digital marketplace bank serving the "Motivated Middle," a customer segment of high-FICO, high-income borrowers who actively manage their finances. The company operates a proprietary technology platform and uses evolved credit underwriting to originate consumer loans. Its marketplace bank model generates revenue through three main channels: loan sales to institutional investors, net interest income from loans held on its balance sheet, and fee-based services. By combining digital banking with a marketplace approach, Happen connects borrowers with capital while earning fees on loan originations and sales. The company focuses exclusively on the U.S. market and targets financially sophisticated consumers who are typically underserved by traditional banking models despite their strong credit profiles.
Financial Strength
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 80.29 | |||||
Equity-to-Asset | 0.13 | |||||
Debt-to-Equity | 0.01 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 5/9 | |||||
Beneish M-Score | -1.23 | |||||
WACC vs ROIC | ||||||
Growth Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | -9.3 | |||||
3-Year EPS without NRI Growth Rate | -6.3 | |||||
3-Year Book Growth Rate | 6 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 37.1 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 15.63 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 21.42 | |||||
9-Day RSI | 26.7 | |||||
14-Day RSI | 31.66 | |||||
3-1 Month Momentum % | -3.33 | |||||
6-1 Month Momentum % | 39.41 | |||||
12-1 Month Momentum % | 5.27 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -2.7 | |||||
Shareholder Yield % | 1.69 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 18.67 | |||||
FCF Margin % | -175.84 | |||||
OCF Margin % | -170.47 | |||||
ROE % | 13.11 | |||||
ROA % | 1.69 | |||||
Years of Profitability over Past 10-Year | 5 | |||||
Moat Score | 4 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 9.76 | |||||
Forward PE Ratio | 6.89 | |||||
PE Ratio without NRI | 9.76 | |||||
Price-to-Owner-Earnings | 9.88 | |||||
PS Ratio | 1.75 | |||||
PB Ratio | 1.19 | |||||
Price-to-Tangible-Book | 1.32 | |||||
EV-to-EBIT | 3.87 | |||||
EV-to-Forward-EBIT | 5.4 | |||||
EV-to-EBITDA | 3.05 | |||||
EV-to-Forward-EBITDA | 3.22 | |||||
EV-to-Revenue | 0.58 | |||||
EV-to-Forward-Revenue | 1.47 | |||||
EV-to-FCF | -0.33 | |||||
Price-to-GF-Value | 1.26 | |||||
Price-to-Median-PS-Value | 0.9 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.97 | |||||
Price-to-Graham-Number | 0.75 | |||||
Earnings Yield (Greenblatt) % | 25.84 | |||||
FCF Yield % | -158.15 | |||||
Forward Rate of Return (Yacktman) % | -63.22 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
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Annualized Return % Â
Total Annual Return % Â
Happen Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 1,681.516 | ||
| EPS (TTM) ($) | 1.66 | ||
| Beta | 1.8749 | ||
| 3-Year Sharpe Ratio | 0.73 | ||
| 3-Year Sortino Ratio | 1.54 | ||
| Volatility % | 39.4 | ||
| 14-Day RSI | 31.66 | ||
| 14-Day ATR ($) | 0.51951 | ||
| 20-Day SMA ($) | 17.19925 | ||
| 12-1 Month Momentum % | 5.27 | ||
| 52-Week Range ($) | 13.05 - 21.67 | ||
| Shares Outstanding (Mil) | 115.41 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 5 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Happen Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Happen Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Annual report for 2026 | 2027-02-12 | In 143 days | ||
| Fourth quarter earnings conference call for 2026 | 2027-01-28 17:00 | In 129 days | ||
| Fourth quarter earnings results for 2026 | 2027-01-28 | In 128 days | ||
| Third quarter earnings conference call for 2026 | 2026-10-22 17:00 | In 31 days | ||
| Third quarter earnings results for 2026 | 2026-10-22 | In 30 days | ||
| Second quarter earnings conference call for 2026 | 2026-07-27 17:00 | 18.06 (-0.17%) | ||
| Second quarter earnings results for 2026 | 2026-07-27 | 18.06 (-0.17%) | ||
| General meeting for 2026 | 2026-06-02 10:00 | 18.39 (+5.51%) | ||
| First quarter earnings conference call for 2026 | 2026-04-27 17:00 | 17.47 (+1.75%) | ||
| First quarter earnings results for 2026 | 2026-04-27 | 17.47 (+1.75%) |
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Happen Inc Frequently Asked Questions
What is Happen Inc(HAPN)'s stock price today?
The current price of HAPN is $16.20. The 52 week high of HAPN is $21.67 and 52 week low is $13.05.
When is next earnings date of Happen Inc(HAPN)?
The next earnings date of Happen Inc(HAPN) is 2026-10-22 Est..
Does Happen Inc(HAPN) pay dividends? If so, how much?
Happen Inc(HAPN) does not pay dividend.
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