8LCA Stock Chart & Stats
€15.72
-€0.07(-0.43%)
At close: 4:00 PM EDT
€15.72
-€0.07(-0.43%)
Day’s Range― - ―
52-Week Range€11.50 - €18.28
Previous CloseN/A
Volume0.00
Average Volume (3M)4.00
Market Cap
€1.54B
Enterprise Value€1.56B
Total Cash (Recent Filing)€4.06B
Total Debt (Recent Filing)€11.37M
Price to Earnings (P/E)8.8
Beta0.86
Next Earnings
Oct 28, 2026EPS Estimate
0.41Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.70
Shares Outstanding115,407,460
10 Day Avg. Volume6
30 Day Avg. Volume4
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
€21.76Price Target Upside38.43% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)1.62
Revenue Forecast (FY)€951.64M
Bulls Say, Bears Say
Bulls Say
Origination And Revenue GrowthSustained origination growth indicates expanding demand and stronger execution in the lending platform. Higher volumes can support recurring fee generation, improve operating leverage, and reinforce marketplace relationships, while raised guidance signals management expects momentum to continue over coming quarters.
Low Leverage And Deposit GrowthA debt-free balance sheet and expanding equity base provide meaningful resilience for a lending business. Growing deposits also create a broader, repeatable funding base, giving Happen more flexibility to retain loans, support originations, and manage changing credit or market conditions.
AI-enabled Operating EfficiencyBroad AI adoption is producing measurable efficiency gains while the company scales loan volumes. Lower service time and reduced after-call work can improve capacity, contain unit costs, and strengthen the platform’s ability to grow without matching increases in staffing or operating effort.
Bears Say
Persistent Negative Cash GenerationRepeatedly negative operating and free cash flow is a material weakness despite positive reported earnings. If the mismatch persists, Happen may remain reliant on funding and liquidity management to support growth, while weak cash conversion raises questions about the durability and quality of current profits.
Pressure On Asset Yields And NIMLower asset yields and a declining NIM can compress the spread earned on the lending portfolio, directly limiting future earnings growth. The pressure is relevant beyond one quarter because portfolio mix changes and the accounting transition may continue affecting margins as existing higher-yield loans run off.
Fair-value Accounting VolatilityLarger fair-value markdowns create volatility in reported non-interest income and make operating performance harder to compare across periods. The transition can obscure underlying fee trends and introduce sensitivity to benchmark rates, complicating earnings assessment while the new accounting treatment remains embedded.
Happen News
8LCA FAQ
What was Happen’s price range in the past 12 months?
Happen lowest stock price was €11.50 and its highest was €18.27 in the past 12 months.
What is Happen’s market cap?
Happen’s market cap is €1.54B.
When is Happen’s upcoming earnings report date?
Happen’s upcoming earnings report date is Oct 28, 2026 which is in 15 days.
How were Happen’s earnings last quarter?
Happen released its earnings results on Jul 27, 2026. The company reported €0.448 earnings per share for the quarter, beating the consensus estimate of €0.384 by €0.064.
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 0.41.
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 €0.448 in its last earnings report, beating expectations of €0.384. Following the earnings report the stock price went up 0.122%.
Which hedge fund is a major shareholder of Happen?
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
€21.76 (38.43% Upside)
€21.76 (38.43% Upside)
Blogger Sentiment
Bullish
DE:8LCA Sentiment 69%
Sector Average 63%
Sector Average 63%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-0.26%
12-Months-Change
Fundamentals
Return on Equity
12.92%
Trailing 12-Months
Asset Growth
16.46%
Trailing 12-Months
Learn more about TipRanks Smart Score
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]
8LCA Company Deck
8LCA 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 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
€21.76
▲(38.43% Upside)
Technical Analysis
Hope Bancorp
―
Dime Community Bancshares
―
German American Bancorp
―
Live Oak Bancshares
―
National Bank Holdings
―