HAPN (Happen) Tariff Resilience Score: 9/10 (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 Tariff Resilience Score?

Happen HAPN +2.64% 73 Tariff Resilience Score is 9 as of Jun. 24, 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 1,606 Banks companies, Happen ranks better than 99.25% on this metric.

Happen has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Happen has As a financial services company, LendingClub has negligible exposure to tariffs. Its operations are primarily domestic, and it does not rely on physical goods or international supply chains.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Happen might have Highly Resilient.

Happen  (NAS:HAPN) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Happen Tariff Resilience Score Related Terms

HAPN vs NWBI, BLX, CLBK: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Happen's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Happen's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Happen's Tariff Resilience Score falls into.


HAPN
73GF Score
Happen Inc HAPN
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Happen (HAPN) has a Tariff Resilience Score of 9 as of Jun. 24, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Happen ranks #12 out of 1606 companies in the Banks industry, placing it in the top 0.7%.
Is Happen's Tariff Resilience Score too high?
Happen's current Tariff Resilience Score is 9. Based on the distribution chart, Happen ranks #12 out of 1606 companies in the Banks industry, which is in the top quartile — a strong position 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 Tariff Resilience Score compare to NWBI and BLX?
According to the Banks industry distribution chart, Happen ranks #12 out of 1606 companies for Tariff Resilience Score. This places Happen in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Happen's current Tariff Resilience Score is 9. 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 Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Happen (HAPN), the current Tariff Resilience Score is 9 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:

  • Tariff Resilience Score: 9
  • 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

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

$19.46
Price
$13.99
GF Value