Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
HAPN
HoldFull HouseHappen, Inc. · Financial Services · United States · $2.1B · Avg Vol: $19M/d
61
StockRankGet insider-trade alerts
Q
50
V
56
M
50
P/E (TTM)
10.6x
ROE
13.2%
D/E
0.0x
Dividend %
—
COMPANY DESCRIPTION
Happen, Inc. operates as a bank holding company that provides financial and lending services. The company offers deposit products including savings accounts, checking accounts, and certificates of deposit, and provides consumer loan products such as unsecured loans, fixed-rate and fixed-term loans,...
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.2B | 864.6M | 787.0M | 998.8M | -5.6% | 1.4B | 1.1B | 1.3B | 12.1% |
| EPS | 2.80 | 0.36 | 0.46 | 1.18 | -25.0% | 1.67 | 1.89 | 2.32 | 40.2% |
| Shares | 106.5M | 110.4M | 113.4M | 115.4M | +8.3% | 115.4M | — | — | — |
| Debt | 207.6M | 57.2M | 28.5M | 15.8M | -57.6% | 11.4M | — | — | — |
| Equity | 1.2B | 1.3B | 1.3B | 1.5B | 8.8% | — | — | — | — |
| Op CF | 375.6M | -1.1B | -2.6B | -2.7B | — | -2.9B | — | — | — |
| Inv CF | -2.8B | 516.7M | 607.8M | 1.9B | — | — | — | — | — |
| Fin CF | 2.8B | 789.6M | 1.7B | 747.8M | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)-13.6%
SMA 50SMA 200
Close
$16.70
RSI (14)
36.0
52W High
$21.67
From 52W High
0.8%
SCORE BREAKDOWN
Quality
50
ROIC (ROA)
1.3%*46.2
ROE
13.2%67.5
GP/Assets
5.1%N/A
Op. Margin
21.4%37.6
FCF/Assets
2.5%N/A
Piotroski
446.2
Int. Cover
—50.0
D/E Ratio
0.01xN/A
Current Ratio
3.45xN/A
Value
56
P/E (TTM)
10.6x65.2
EV/EBITDA
3.5xN/A
P/FCF
7.2xN/A
P/B
1.3x44.6
P/S
1.5x83.3
Div Yield
—N/A
Momentum
50
52W High %
77%23.9
RS 6M
2%57.2
SMA 50/200
1.07x63.4
EPS Rev 4W
0.0%27.7
EPS Rev 12W
—N/A
EPS Improve
+40%68.8
Q Growth
52%74.3
FUNDAMENTALS
Market Cap
$2.1B
P/E (Forward)
7.6x
Gross Margin
42.1%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HAPN are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| HAPN | Happen, Inc.(you) | $2.1B | 61 | Hold |
| CHCO | City Holding Company | $2.0B | 61 | Hold |
| RBCAA | Republic Bancorp, Inc. | $1.9B | 62 | Hold |
| HOPE | Hope Bancorp, Inc. | $1.8B | 59 | Hold |
| TRMK | Trustmark Corporation | $2.7B | 62 | Hold |
| TCBK | TriCo Bancshares | $1.7B | 58 | Hold |
| CNOB | ConnectOne Bancorp, Inc. | $1.6B | 64 | Hold |
| STBA | S&T Bancorp, Inc. | $1.8B | 66 | Buy |
| MBIN | Merchants Bancorp | $2.5B | 66 | Buy |
| QCRH | QCR Holdings, Inc. | $1.6B | 65 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%