HAPN (Happen) Margin of Safety % (DCF FCF Based): N/A (As of Jun. 24, 2026)


HAPN Happen Inc HAPN
73 GF Score
Price $19.46
GF Value $13.99
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Happen Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Happen's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

HAPN vs NWBI, BLX, CLBK: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Happen's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Happen's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Happen's Margin of Safety % (DCF FCF Based) falls into.


HAPN
73GF Score
Happen Inc HAPN
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: $13.99 vs. price of $19.46 (39.1% above fair value)
  • GF Score™: 73/100 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.
73GF Score

Get the complete analysis for HAPN

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.46
Price
$13.99
GF Value