Business Description
Happen Inc
NAICS : 522110
SIC : 6021
ISIN : US52603A2087
Total Employee Number:
1,075Description
Happen Inc is a U.S. digital marketplace bank focused on the Motivated Middle - high FICO, high-income borrowers actively managing their financial lives. The bank's success is fueled by evolved credit underwriting, a proprietary technology platform, and a marketplace bank model that generates compelling revenue through loan sales, net interest income, and fee-based services.
Financial Strength
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 64.25 | |||||
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 | -1.09 | |||||
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 | 53.41 | |||||
9-Day RSI | 55.22 | |||||
14-Day RSI | 57.12 | |||||
3-1 Month Momentum % | 15.55 | |||||
6-1 Month Momentum % | -9.37 | |||||
12-1 Month Momentum % | 42.67 |
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 % | 1.16 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 16.99 | |||||
FCF Margin % | -305.68 | |||||
OCF Margin % | -290.8 | |||||
ROE % | 12.1 | |||||
ROA % | 1.57 | |||||
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 | 13.35 | |||||
Forward PE Ratio | 11.26 | |||||
PE Ratio without NRI | 13.35 | |||||
Price-to-Owner-Earnings | 10.98 | |||||
PEG Ratio | 1.32 | |||||
PS Ratio | 2.26 | |||||
PB Ratio | 1.51 | |||||
Price-to-Tangible-Book | 1.59 | |||||
EV-to-Forward-EBIT | 5.4 | |||||
EV-to-Forward-EBITDA | 3.22 | |||||
EV-to-Revenue | 1.46 | |||||
EV-to-Forward-Revenue | 2.11 | |||||
EV-to-FCF | -0.47 | |||||
Price-to-GF-Value | 1.42 | |||||
Price-to-Median-PS-Value | 1.11 | |||||
Price-to-Peter-Lynch-Fair-Value | 1.23 | |||||
Price-to-Graham-Number | 0.97 | |||||
FCF Yield % | -137.17 | |||||
Forward Rate of Return (Yacktman) % | -47.56 |
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
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Happen Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 887.985 | ||
| EPS (TTM) (€) | 1.281 | ||
| Beta | 1.9542 | ||
| 3-Year Sharpe Ratio | 0.61 | ||
| 3-Year Sortino Ratio | 1.27 | ||
| Volatility % | 46.7 | ||
| 14-Day RSI | 57.12 | ||
| 14-Day ATR (€) | 0.658133 | ||
| 20-Day SMA (€) | 17.15675 | ||
| 12-1 Month Momentum % | 42.67 | ||
| 52-Week Range (€) | 10.57 - 18.53 | ||
| Shares Outstanding (Mil) | 115.35 |
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 (€) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2026 | 2026-10-22 17:00 | In 100 days | ||
| Third quarter earnings results for 2026 | 2026-10-22 | In 99 days | ||
| Second quarter earnings conference call for 2026 | 2026-07-27 17:00 | In 13 days | ||
| Second quarter earnings results for 2026 | 2026-07-27 | In 12 days | ||
| General meeting for 2026 | 2026-06-02 10:00 | 15.70 (+3.36%) | ||
| First quarter earnings conference call for 2026 | 2026-04-27 17:00 | 14.85 (+1.26%) | ||
| First quarter earnings results for 2026 | 2026-04-27 | 14.85 (+1.26%) | ||
| Annual report for 2025 | 2026-02-12 | 14.03 (-2.37%) | ||
| Fourth quarter earnings conference call for 2025 | 2026-01-28 17:00 | 17.24 (-2.96%) | ||
| Fourth quarter earnings results for 2025 | 2026-01-28 | 17.24 (-2.96%) |
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Happen Inc Frequently Asked Questions
What is Happen Inc(STU:8LCA)'s stock price today?
The current price of STU:8LCA is €17.40. The 52 week high of STU:8LCA is €18.53 and 52 week low is €10.57.
When is next earnings date of Happen Inc(STU:8LCA)?
The next earnings date of Happen Inc(STU:8LCA) is 2026-07-27.
Does Happen Inc(STU:8LCA) pay dividends? If so, how much?
Happen Inc(STU:8LCA) does not pay dividend.
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