Happen, Inc. (DE:8LCA)
NYSE:8LCA
8LCA Stock Chart & Stats
€14.58
-€0.03(-0.19%)
At close: 4:00 PM EST
€14.58
-€0.03(-0.19%)
Day’s Range― - ―
52-Week Range€9.45 - €18.28
Previous CloseN/A
Volume100.00
Average Volume (3M)47.00
Market Cap
€2.04B
Enterprise Value€1.43B
Total Cash (Recent Filing)€804.92M
Total Debt (Recent Filing)€59.74M
Price to Earnings (P/E)13.1
Beta0.70
Next Earnings
Jul 29, 2026EPS Estimate
0.37Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.53
Shares Outstanding115,350,920
10 Day Avg. Volume66
30 Day Avg. Volume47
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€19.29Price Target Upside32.28% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)1.53
Revenue Forecast (FY)€932.13M
Bulls Say, Bears Say
Bulls Say
Growth Reinvestment StrategyReinvestment of upfront gains into marketing, expansion into new loan verticals, and rebranding aims to accelerate loan volumes and improve long-term profitability.
Marketplace Revenue And PartnershipsNew and extended loan partnerships and strong loan buyer demand are providing reliable marketplace revenue and growing non-interest income that support margin improvement.
Share Repurchase ProgramManagement's share repurchases and remaining buyback capacity enhance shareholder returns and signal confidence in capital allocation.
Bears Say
Accounting Transition UncertaintyLow analyst conviction in updated earnings estimates under the new accounting method creates uncertainty around reported results and investor expectations.
Increased Credit ProvisionsAddition of longer-duration major purchase loans increased reserve needs and higher credit provisions, which can weigh on reported earnings despite similar loss rates across products.
Product Launch ExpensesLaunching new consumer financing products required additional hiring and infrastructure, raising operating expenses before meaningful loan volumes developed and pressuring margins.
Happen News
8LCA FAQ
What was Happen, Inc.’s price range in the past 12 months?
Happen, Inc. lowest stock price was €9.45 and its highest was €18.27 in the past 12 months.
What is Happen, Inc.’s market cap?
Happen, Inc.’s market cap is €2.04B.
When is Happen, Inc.’s upcoming earnings report date?
Happen, Inc.’s upcoming earnings report date is Jul 29, 2026 which is in 32 days.
How were Happen, Inc.’s earnings last quarter?
Happen, Inc. released its earnings results on Apr 27, 2026. The company reported €0.387 earnings per share for the quarter, beating the consensus estimate of €0.329 by €0.058.
Is Happen, Inc. overvalued?
According to Wall Street analysts Happen, Inc.’s price is currently Undervalued.
Does Happen, Inc. pay dividends?
Happen, Inc. does not currently pay dividends.
What is Happen, Inc.’s EPS estimate?
Happen, Inc.’s EPS estimate is 0.37.
How many shares outstanding does Happen, Inc. have?
Happen, Inc. has 115,350,920 shares outstanding.
What happened to Happen, Inc.’s price movement after its last earnings report?
Happen, Inc. reported an EPS of €0.387 in its last earnings report, beating expectations of €0.329. Following the earnings report the stock price went up 2.397%.
Which hedge fund is a major shareholder of Happen, Inc.?
Currently, no hedge funds are holding shares in DE:8LCA
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
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Analyst Consensus
Strong Buy
Average Price Target:
€19.29 (32.28% Upside)
€19.29 (32.28% Upside)
Blogger Sentiment
Bullish
DE:8LCA Sentiment 70%
Sector Average ―
Sector Average ―
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
69.27%
12-Months-Change
Fundamentals
Return on Equity
11.92%
Trailing 12-Months
Asset Growth
13.90%
Trailing 12-Months
Company Description
Happen, Inc.
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]
8LCA Company Deck
8LCA Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call communicated strong operational and financial momentum: double-digit revenue and origination growth, record pretax earnings, improving credit metrics, substantial automation gains, new product launches (home improvement) and active capital deployment. Lowlights were primarily related to accounting transitions (fair value marks), higher near-term expenses for marketing and rebrand, and macro/rate uncertainty that reduce some expected tailwinds. On balance, the positive execution, profitability gains, and growth initiatives significantly outweighed the accounting- and investment-related headwinds.View all DE:8LCA earnings summaries8LCA Net revenue Breakdown
64.98% Net interest income
35.02% Non-interest income
8LCA Stock 12 Month Forecast
Average Price Target
€19.29
▲(32.28% Upside)
Technical Analysis
Options Prices
Currently, No data available
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