HAPN (Happen) PE Ratio (TTM): 13.06 (As of Jun. 24, 2026) — 26% Below Median


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 PE Ratio (TTM)?

Happen HAPN +2.64% 73 PE Ratio (TTM) is 13.06 as of Jun. 24, 2026, which is 26% below its 10-year median of 17.67. 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 1,442 Banks companies, Happen ranks worse than 59.5% on this metric.

The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-06-24), Happen's share price is $19.46. Happen's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.49. Therefore, Happen's PE Ratio (TTM) for today is 13.06.


The historical rank and industry rank for Happen's PE Ratio (TTM) or its related term are showing as below:

HAPN' s PE Ratio (TTM) Range Over the Past 10 Years
Min: 2.41   Med: 17.67   Max: 186
Current: 13.06


During the past 13 years, the highest PE Ratio (TTM) of Happen was 186.00. The lowest was 2.41. And the median was 17.67.


HAPN's PE Ratio (TTM) is ranked worse than
59.5% of 1442 companies
in the Banks industry
Industry Median: 11.635 vs HAPN: 13.06

Happen's Earnings per Share (Diluted) for the three months ended in Mar. 2026 was $0.44. Its Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.49.

As of today (2026-06-24), Happen's share price is $19.46. Happen's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $1.49. Therefore, Happen's PE Ratio without NRI for today is 13.06.

During the past 13 years, Happen's highest PE Ratio without NRI was 439.00. The lowest was 4.77. And the median was 20.63.

Happen's EPS without NRI for the three months ended in Mar. 2026 was $0.44. Its EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $1.49.

During the past 12 months, Happen's average EPS without NRI Growth Rate was 238.60% per year. During the past 3 years, the average EPS without NRI Growth Rate was -6.30% per year.

During the past 13 years, Happen's highest 3-Year average EPS without NRI Growth Rate was 313.10% per year. The lowest was -32.00% per year. And the median was 14.70% per year.

Happen's EPS (Basic) for the three months ended in Mar. 2026 was $0.45. Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.53.


Happen  (NAS:HAPN) PE Ratio (TTM) Explanation

The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.

In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.

If a company loses money, the PE Ratio (TTM) becomes meaningless.

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.

Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.

Similar to the PE Ratio without NRI or PS Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PE Ratio (TTM) measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .

PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).


Happen PE Ratio (TTM) Related Terms


Happen PE Ratio (TTM) Historical Data

* Premium members only.

The historical data trend for Happen's PE Ratio (TTM) 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 PE Ratio (TTM) Chart

Happen Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PE Ratio (TTM)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 134.33 3.15 24.28 35.98 16.33

Happen Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PE Ratio (TTM) 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 23.45 18.80 17.26 16.33 9.61

HAPN vs NWBI, BLX, CLBK: PE Ratio (TTM) Comparison

For the Banks - Regional subindustry, Happen's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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 PE Ratio (TTM) vs Banks Industry

For the Banks industry and Financial Services sector, Happen's PE Ratio (TTM) distribution charts can be found below:

* The bar in red indicates where Happen's PE Ratio (TTM) falls into.


HAPN
73GF Score
Happen Inc HAPN
PE Ratio (TTM) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Happen PE Ratio (TTM) Calculation

The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.

Happen's PE Ratio (TTM) for today is calculated as

PE Ratio (TTM)=Share Price/Earnings per Share (Diluted) (TTM)
=19.46/1.490
=13.06

Happen's Share Price of today is $19.46.
Happen's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.49.

* 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.

It can also be calculated from the numbers for the whole company:

PE Ratio (TTM)=Market Cap /Net Income

There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.

In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.

Frequently Asked Questions Learn more about PE Ratio (TTM) →
What does a PE Ratio (TTM) of 13.06 mean?
Happen (HAPN) has a PE Ratio (TTM) of 13.06 as of Jun. 24, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Happen and its competitors. This is 26% below median its historical median of 17.67. Over the past decade, Happen's PE Ratio (TTM) has ranged from 2.41 to 186.00. According to the industry distribution chart, Happen ranks #858 out of 1442 companies in the Banks industry, placing it in the top 59.5%.
Is Happen's PE Ratio (TTM) too high?
Happen's current PE Ratio (TTM) of 13.06 is 26% below median its 10-year median of 17.67. Over the past 10 years, this metric has ranged from a low of 2.41 to a high of 186.00. The Banks industry median PE Ratio (TTM) is 11.64. Happen's value of 13.06 is 12.2% above this industry median. Based on the distribution chart, Happen ranks #858 out of 1442 companies in the Banks industry, which is below the industry midpoint. 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 PE Ratio (TTM) compare to NWBI and BLX?
According to the Banks industry distribution chart, Happen ranks #858 out of 1442 companies for PE Ratio (TTM). This places Happen in the lower half of its industry. The industry median PE Ratio (TTM) is 11.64. Happen's value of 13.06 is 12.2% above this benchmark. Historically, Happen's own PE Ratio (TTM) has ranged from 2.41 to 186.00 over the past decade. While the company's 10-year median is 17.67 vs. the industry median of 11.64, Happen has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PE Ratio (TTM) for a Banks company?
The median PE Ratio (TTM) among Banks companies is 11.64, based on 1,442 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Happen's current PE Ratio (TTM) of 13.06 is 12.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Happen and its competitors. For the Banks industry, the median PE Ratio (TTM) is 11.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Happen's current PE Ratio (TTM) is 13.06, which is 26% below median its own 10-year median of 17.67. 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 PE Ratio (TTM) is 13.06, which is 26% below median its 10-year median of 17.67 and 12.2% above the Banks industry median of 11.64. 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 PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Happen (HAPN), the current PE Ratio (TTM) is 13.06 as of Jun. 24, 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:

  • PE Ratio (TTM): 13.06 (26% below median its 10-year median of 17.67)
  • GF Value™: $13.99 vs. price of $19.46 (39.1% above fair value)
  • GF Score™: 73/100 with 5 warning signs
  • Industry Position: 12.2% above the Banks median (#858 of 1442)

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

PE Ratio (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.46
Price
$13.99
GF Value