HAPN (Happen) Net Loan: $6,818 Mil (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HAPN Happen Inc HAPN
76 GF Score
Price $19.40
GF Value $15.10
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Happen Net Loan?

Happen HAPN +0.21% 76 Net Loan is $6,818 Mil as of Jun. 2026. GuruFocus rates HAPN with a GF Score™ of 76/100 and a GF Value™ of $15.10 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Happen's quarterly net loan increased from Dec. 2025 ($6,193 Mil) to Mar. 2026 ($6,501 Mil) and increased from Mar. 2026 ($6,501 Mil) to Jun. 2026 ($6,818 Mil).

Happen's annual net loan increased from Dec. 2023 ($5,109 Mil) to Dec. 2024 ($6,501 Mil) and increased from Dec. 2024 ($6,501 Mil) to Dec. 2025 ($6,818 Mil).

Happen Net Loan Historical Data

* Premium members only.

The historical data trend for Happen's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Happen Net Loan Chart

Happen Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3,247.79 5,636.75 5,109.37 5,489.00 6,193.02

Happen Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5,723.35 5,742.69 6,193.02 6,500.66 6,818.12
HAPN
76GF Score
Happen Inc HAPN
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Happen Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $6,818 Mil mean?
Happen (HAPN) has a Net Loan of $6,818 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Happen and its competitors.
Is Happen's Net Loan too high?
Happen's current Net Loan is $6,818 Mil. Overall, Happen has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Happen's Net Loan compare to SRCE and FCF?
Happen's Net Loan of $6,818 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Happen and its competitors. Happen's current Net Loan is $6,818 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Happen stock overvalued right now?
Based on GuruFocus' analysis, Happen (HAPN) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.10, compared to a current price of $19.40 — trading 28.5% above its estimated fair value. The current Net Loan is $6,818 Mil. Happen's overall GF Score™ is 76/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Happen (HAPN), the current Net Loan is $6,818 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Happen (HAPN) Overvalued in 2026?

Based on GuruFocus' analysis, Happen stock appears to be overvalued. The current stock price of $19.40 is trading 28.5% above its estimated GF Value™ of $15.10. GuruFocus considers Happen to be Modestly Overvalued.

Key valuation signals for HAPN:

  • Net Loan: $6,818 Mil
  • GF Value™: $15.10 vs. price of $19.40 (28.5% above fair value)
  • GF Score™: 76/100 with 5 warning signs

No single metric tells the full story. See the HAPN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Happen Business Description

Other Exchanges 8LCA:Germany
Address 88 Kearny Street, Suite 600, San Francisco, CA, USA, 94108
Happen Inc is a digital bank built for the Motivated Middle: high-FICO, high-income, digitally savvy consumers actively managing their financial lives. Its products are aligned by design to reward five million-plus members when it takes positive financial steps like saving regularly or making loan payments on time. The group offers Personal Loans, Personal Banking, Auto Refinancing, Financing Solutions, Business Loans, Institutional Investing, and Other Types of Loans.
76GF Score

Get the complete analysis for HAPN

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.40
Price
$15.10
GF Value