Happen, Inc. Common Stock (HAPN) Stock Price

HAPNStock

$18.26+68.20%52W

Market Cap$2.11B

P/E16.71x

PEG Ratio—

Div yield—

Beta1.77

HAPN Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-5.32%

Price vs S&P 500 (4W)-6.75%

VGM Score52.49

P/E Ratio (Annual)16.71x

Book Value / Share (Quarterly)$13.58

P/TBV (Annual)1.46x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)12.35%

Cash Flow / Share (Quarterly)$-27.36

Price vs S&P 500 (YTD)-4.55%

Gross Margin (TTM)70.90%

Net Profit Margin (TTM)19.71%

EPS (TTM)$1.66

10-Day Avg Trading Volume1.06M

EPS Excl Extra (TTM)$1.66

Revenue Growth (5Y)2.92%

EPS (Annual)$1.16

Dividend / Share (Annual)$0.01

ROI (Annual)1.19%

Gross Margin (Annual)67.79%

Net Profit Margin (5Y Avg)-1.32%

Cash / Share (Quarterly)$7.91

P/E Basic Excl Extra (TTM)11.60x

Revenue Growth QoQ (YoY)-20.66%

P/E Normalized (Annual)16.71x

ROA (Last FY)1.17%

Revenue Growth TTM (YoY)-37.42%

EBITD / Share (TTM)$2.50

ROE (5Y Avg)8.61%

Operating Margin (TTM)25.63%

Cash Flow / Share (Annual)$-24.85

P/B Ratio1.45x

P/B Ratio (Quarterly)1.53x

Net Income / Employee (Annual)$126,200

EV / Revenue (TTM)13.71x

ROA (TTM)1.66%

EPS Growth QoQ (YoY)50.24%

EV / EBITDA (TTM)39.71x

EPS Incl Extra (Annual)$1.16

Current Ratio (Annual)0.09x

Quick Ratio (Quarterly)0.08x

3-Month Avg Trading Volume1.82M

52-Week Price Return68.20%

EV / Free Cash Flow (Annual)23.03x

P/E Incl Extra (TTM)11.60x

Revenue / Employee (TTM)$726,800

Tangible BV / Share (Quarterly)$13.13

P/S Ratio (Annual)1.95x

Asset Turnover (Annual)0.11x

52-Week High$21.25

Operating Margin (5Y Avg)-3.11%

EPS Excl Extra (Annual)$1.16

CapEx CAGR (5Y)35.17%

Tangible BV CAGR (5Y)15.94%

26-Week Price Return2.45%

Quick Ratio (Annual)0.09x

13-Week Price Return38.24%

Total Debt / Equity (Annual)6.59x

Current Ratio (Quarterly)0.08x

Enterprise Value$12.12B

Revenue / Share Growth (5Y)-2.28%

Asset Turnover (TTM)0.07x

Book Value / Share Growth (5Y)9.61%

Revenue / Employee (Annual)$1,079,900

Pretax Margin (Annual)5.60%

Cash / Share (Annual)$7.95

3-Month Return Std Dev45.88%

Gross Margin (5Y Avg)70.54%

Net Income / Employee (TTM)$181,900

ROE (Last FY)9.04%

EPS Basic Excl Extra (Annual)$1.16

P/FCF (TTM)5.89x

Receivables Turnover (TTM)18.19x

EV / Free Cash Flow (TTM)174.05x

Total Debt / Equity (Quarterly)6.87x

EPS Incl Extra (TTM)$1.66

Receivables Turnover (Annual)31.25x

ROI (TTM)1.69%

P/S Ratio (TTM)2.90x

Pretax Margin (5Y Avg)-3.11%

Revenue / Share (Annual)$10.26

Tangible BV / Share (Annual)$12.94

Forward P/E9.07x

Price vs S&P 500 (52W)49.06%

P/E Ratio (TTM)11.60x

EPS Growth TTM (YoY)158.98%

Year-to-Date Return-1.99%

5-Day Price Return-1.72%

EPS Normalized (Annual)$1.16

ROA (5Y Avg)1.22%

Net Profit Margin (Annual)4.42%

Month-to-Date Return-4.65%

Cash Flow / Share (TTM)$0.93

EBITD / Share (Annual)$2.05

EPS Growth (3Y)-25.38%

Operating Margin (Annual)5.60%

LT Debt / Equity (Annual)1.07x

ROI (5Y Avg)1.26%

P/E Excl Extra (TTM)11.60x

LT Debt / Equity (Quarterly)1.07x

EPS Basic Excl Extra (TTM)$1.66

P/TBV (Quarterly)1.09x

Payout Ratio (Annual)2.20%

P/B Ratio (Annual)1.46x

Pretax Margin (TTM)25.63%

Book Value / Share (Annual)$13.01

Price vs S&P 500 (13W)27.25%

Beta1.77x

P/FCF (Annual)7.41x

Revenue / Share (TTM)$6.66

ROE (TTM)12.92%

52-Week Low$17.78

vGradeD

gGradeC

mGradeB

vgmGradeC

HAPN Earnings Surprise History

Q2 250.33est. 0.15

Q3 250.37est. 0.31

Q4 250.35est. 0.34

Q1 260.44est. 0.36

Q2 260.50est. 0.42

HAPN Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

4.35

4.38

Industry Peers — Personal Credit Institutions(15)

Symbol	Value Score	Growth Score	Momentum Score	Price
HAPNHappen, Inc. Common Stock	D	C	B	$18.26
AFRMAffirm Holdings, Inc. Class A Common Stock	D	B	B	$77.94
OMFOneMain Holdings, Inc.	B	C	B	$63.23
CACCCredit Acceptance Corp	C	C	B	$604.26
ENVAEnova International, Inc.	C	C	A	$243.39
SLMSLM Corporation	C	C	B	$26.47
NNINelnet, Inc. Class A	C	C	C	$128.76
BFHBread Financial Holdings, Inc.	C	C	B	$107.63
LCLendingClub Corporation	D	C	B	$18.25
ATLCAtlanticus Holdings Corporation	C	B	B	$93.95
PICSPicS N.V. Class A Common Shares	C	B	C	$10.85
WRLDWorld Acceptance Corp	C	D	B	$193.45
LPROOpen Lending Corporation Common Stock	D	C	B	$3.14
RMREGIONAL MANAGEMENT CORP	B	C	C	$33.34
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026	C	B	B	$25.16
ATLCZAtlanticus Holdings Corporation 9.25% Senior Notes due 2029	C	B	B	$25.38

About Happen, Inc. Common Stock

Happen Inc is a U.S. digital marketplace bank focused on the Motivated Middle - high FICO, high-income borrowers actively managing their financial lives. The bank's success is fueled by evolved credit underwriting, a proprietary technology platform, and a marketplace bank model that generates compelling revenue through loan sales, net interest income, and fee-based services.