0JTY Stock Chart & Stats
$15.50
$0.00(0.00%)
At close: 4:00 PM EDT
$15.50
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$15.50 - $15.50
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
$2.21B
Enterprise Value$1.56K
Total Cash (Recent Filing)$4.06B
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)11.3
BetaN/A
Next Earnings
Oct 28, 2026EPS Estimate
0.46Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.70
Shares Outstanding115,407,460
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.10
Price to Book (P/B)1.46
Price to Sales (P/S)1.64
P/FCF Ratio-0.76
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$24.40Price Target Upside57.42% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)1.81
Revenue Forecast (FY)$1.08B
Bulls Say, Bears Say
Bulls Say
Low Leverage / Strong Balance SheetZero net debt and expanding equity materially lower financial risk and increase strategic optionality. Over the next 2–6 months this supports retaining loans, executing securitizations or opportunistic repurchases, and provides a durable buffer to absorb rate or underwriting stress without emergency capital.
Strong Origination And Revenue GrowthSustained origination growth and rising net interest income create a durable revenue runway. Higher origination volumes expand fee, servicing, and interest income streams, strengthen marketplace liquidity with investors, and allow management to optimize mix between held loans and sales to support revenues in coming quarters.
AI-driven Efficiency And Product AdoptionWidespread AI adoption and improved call-center efficiency lower cost-per-loan and raise scalable capacity. These structural productivity gains let the company grow originations without a proportional rise in operating expenses, improving long-term margin sustainability and customer service economics over multiple quarters.
Bears Say
Persistent Negative Operating Cash FlowFour consecutive periods of deeply negative OCF and FCF, despite reported net income, indicate poor cash conversion. Over 2–6 months this increases dependency on deposits, securitizations, or capital markets, limits reinvestment and buybacks, and raises questions about earnings quality if cash conversion doesn't recover.
Fair-value Accounting VolatilityThe transition to fair-value accounting and rising markdowns inject persistent volatility into non-interest income and reported gains. This structural change reduces comparability across periods, can mute reported income during rate moves, and makes forecasting fee and sale-related revenue less predictable over the medium term.
Wider Discount Rates Lowering Loan Sale EconomicsRising discount rates and wider held-for-sale discounts reduce day-one proceeds from loan sales and compress gain-on-sale economics. Over the next several quarters this can lower non-interest revenue, force a higher share of loans to be retained, and pressure reported revenue growth and return on equity.
Happen News
0JTY FAQ
What was Happen’s price range in the past 12 months?
Happen lowest share price was $15.50 and its highest was $15.50 in the past 12 months.
What is Happen’s market cap?
Happen’s market cap is $2.21B.
When is Happen’s upcoming earnings report date?
Happen’s upcoming earnings report date is Oct 28, 2026 which is in 83 days.
How were Happen’s earnings last quarter?
Happen released its earnings results on Jul 27, 2026. The company reported $0.5 earnings per share for the quarter, beating the consensus estimate of $0.429 by $0.071.
Is Happen overvalued?
According to Wall Street analysts Happen’s price is currently Undervalued.
Does Happen pay dividends?
Happen does not currently pay dividends.
What is Happen’s EPS estimate?
Happen’s EPS estimate is 0.46.
How many shares outstanding does Happen have?
Happen has 115,407,460 shares outstanding.
What happened to Happen’s price movement after its last earnings report?
Happen reported an EPS of $0.5 in its last earnings report, beating expectations of $0.429. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Happen?
Currently, no hedge funds are holding shares in GB:0JTY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Happen Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$24.40 (57.42% Upside)
$24.40 (57.42% Upside)
Blogger Sentiment
Bullish
GB:0JTY Sentiment 63%
Sector Average ―
Sector Average ―
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
37.12%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
16.46%
Trailing 12-Months
Company Description
Happen
Happen, Inc., operates as a bank holding company, that provides range of financial products and services in the United States. [8, 24, 33, 52, 60, 62] It offers deposit products, including savings accounts, checking accounts, and certificates of deposit; patient and education finance loans; and commercial loans, including small business loans. [8, 33] The company also provides consumer loans, such as Unsecured and unsecured, fixed-rate, and fixed-term consumer loans; and secured auto refinance loans. [8, 33]
0JTY Company Deck
0JTY Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed strong operational momentum and profitability: robust origination growth (29% YoY), record pre-tax income (+40% YoY), healthy NII (+16% YoY), improving credit metrics (net charge-offs improved to 3.2% from 3.8%), product expansion (home improvement, LevelUp accounts), and meaningful AI-driven efficiency gains. Offsetting factors include accounting-driven fair value markdowns and related non-interest income dynamics, higher marketing and compensation expenses (+28% YoY), and near-term pressure on asset yields and NIM from the CECL-to-fair-value transition and benchmark rate movements. On balance, financial results, guidance raises, profitability, and product/AI progress outweigh the transitory accounting and expense headwinds.View all GB:0JTY earnings summaries0JTY Net revenue Breakdown
64.98% Net interest income
35.02% Non-interest income
0JTY Stock 12 Month Forecast
Average Price Target
$24.40
▲(57.42% Upside)