Happen Inc HAPN

Morningstar Rating
$15.40 +0.62 (4.19%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

HAPN is trading at a LOCK|Pt#n<> premium.
Price
$15.40
Fair Value
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Uncertainty
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1-Star Price
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5-Star Price
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Economic Moat
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Capital Allocation
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News

Trading Information

Previous Close Price
$14.78
Day Range
$14.58–15.43
52-Week Range
$13.05–21.67
Bid/Ask
$14.50 / $15.50
Shares Outstanding
115.41M
Market Cap
$1.78B
Volume/Avg
3M / 2M

Key Statistics

Price/Earnings (Normalized)
9.28
Price/Sales
1.73
Dividend Yield (Trailing)
0.00%
Dividend Yield (Forward)
0.00%
Dividend Payment Schedule
—
Total Yield
—

Company Profile

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.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
1,075

Valuation

Metric
HAPN
Price/Earnings (Normalized)
9.28
Price/Book Value
1.13
Price/Sales
1.73
Price/Cash Flow
—
Price/Earnings
HAPN

Financial Strength

Metric
HAPN
Quick Ratio
—
Current Ratio
—
Interest Coverage
—
Quick Ratio
No chart available

Profitability

Metric
HAPN
Return on Assets (Normalized)
1.91%
Return on Equity (Normalized)
14.86%
Return on Invested Capital (Normalized)
—
Return on Assets
HAPN

Banks - Regional Industry Comparables

1-Day Chart
Name
Price
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
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LOCK|>r#%$%BLOCK|lT!$125B
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LOCK|Hp&&$&FLOCK|&<<$114B
Itau Unibanco Holding SA ADR
ITUB
LOCK|p<P@ZRLOCK|>H$98B
U.S. Bancorp
USB
LOCK|<^!DghGLOCK|#v$89B
PNC Financial Services Group Inc
PNC
LOCK|xDST$!>LOCK|kPn#$88B
Lloyds Banking Group PLC ADR
LYG
LOCK|vpv?ln&LOCK|zGvV$78B
NatWest Group PLC ADR
NWG
LOCK|lWM$$<xLOCK|^!>m$69B
Deutsche Bank AG
DB
LOCK|ZwLOCK|^^$66B
Nu Holdings Ltd Ordinary Shares Class A
NU
LOCK|>y!bmNn$LOCK|r@$%T$64B

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