HappenHAPN +2.64%73 FCF Margin % is -255.61% as of Mar. 2026. GuruFocus rates HAPN with a GF Score™ of 73/100 and a GF Value™ of $13.99 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,505 Banks companies, Happen ranks worse than 98.54% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Happen's Free Cash Flow for the
three
months ended in Mar. 2026 was $-645 Mil. Happen's Revenue for the
three
months ended in Mar. 2026 was $252 Mil. Therefore, Happen's FCF Margin % for the quarter that ended in Mar. 2026 was -255.61%.
The historical rank and industry rank for Happen's FCF Margin % or its related term are showing as below:
HAPN'
s FCF Margin % Range Over the Past 10 Years
Min: -341.61 Med: -80.12 Max: 126.91
Current: -305.76
During the past 13 years, the highest FCF Margin % of Happen was 126.91%. The lowest was -341.61%. And the median was -80.12%.
HAPN's FCF Margin % is ranked worse than 98.54% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs HAPN: -305.76
Happen FCF Margin % Related Terms
Happen FCF Margin % Historical Data
* Premium members only.
The historical data trend for Happen's FCF Margin % 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.
For the Banks - Regional subindustry, Happen's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Happen FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Happen's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Happen's FCF Margin % falls into.
* 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 (HAPN) has a FCF Margin % of -255.61% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Happen and its competitors. According to the industry distribution chart, Happen ranks #1483 out of 1505 companies in the Banks industry, placing it in the top 98.5%.
Is Happen's FCF Margin % too high?
Happen's current FCF Margin % is -255.61%. Based on the distribution chart, Happen ranks #1483 out of 1505 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Happen has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Happen's FCF Margin % compare to NWBI and BLX?
According to the Banks industry distribution chart, Happen ranks #1483 out of 1505 companies for FCF Margin %. This places Happen in the lower half of its industry. The industry median FCF Margin % is 26.42. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Happen and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Happen's current FCF Margin % is -255.61%. 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 Significantly Overvalued. The stock's GF Value™ is $13.99, compared to a current price of $19.46 — trading 39.1% above its estimated fair value. The current FCF Margin % is -255.61%. Happen's overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Happen (HAPN), the current FCF Margin % is -255.61% as of Mar. 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 $19.46 is trading 39.1% above its estimated GF Value™ of $13.99.
GuruFocus considers Happen to be Significantly Overvalued.
Key valuation signals for HAPN:
FCF Margin %: -255.61%
GF Value™: $13.99 vs. price of $19.46 (39.1% above fair value)
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 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.
73GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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