Want to see HAPN full AI Analyst Report?
HAPN Stock Chart & Stats
$18.26
$0.52(2.88%)
At close: 4:00 PM EDT
$18.26
$0.52(2.88%)
Day’s Range― - ―
52-Week Range$13.05 - $21.67
Previous CloseN/A
Volume1.06M
Average Volume (3M)1.20M
Market Cap
$1.73B
Enterprise Value$1.56K
Total Cash (Recent Filing)$4.06B
Total Debt (Recent Filing)$11.37M
Price to Earnings (P/E)8.8
Beta1.57
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. Volume1,691,802
30 Day Avg. Volume1,202,814
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 Upside33.63% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)1.83
Revenue Forecast (FY)$1.07B
Bulls Say, Bears Say
Bulls Say
Strong Growth And ProfitabilitySharp TTM revenue growth, higher net income, and expanded net margins indicate stronger earnings power and improving operating scale. If sustained, this combination can support reinvestment, deepen the company’s market position, and provide a durable base for continued profitability over the next several quarters.
Conservative Balance SheetNear-zero debt materially reduces financial risk and interest burden while expanding equity provides a stronger capital base for growth. Asset and equity expansion, together with healthy recent ROE, improve resilience and give management greater flexibility to absorb volatility or fund strategic initiatives.
AI And Product-driven Operating LeverageBroad AI adoption alongside higher volumes and lower call-center staffing suggests meaningful efficiency gains that can scale with the platform. Reduced after-call work and faster service may lower unit costs, support customer capacity, and strengthen operating leverage as originations continue expanding.
Bears Say
Persistent Negative Cash GenerationSustained negative operating and free cash flow is the company’s clearest fundamental weakness despite reported net income. Poor cash conversion can increase reliance on funding and liquidity management, constrain internally financed growth, and raise questions about the durability and quality of earnings if the pattern persists.
Pressure On Yields And Net Interest MarginExpected pressure on asset yields and net interest margin could limit revenue conversion even while originations grow. Runoff of higher-yielding portfolios and the accounting transition may reduce spread income, making future profitability more dependent on volume growth and disciplined funding and credit management.
Rising Operating ExpensesExpense growth materially above the underlying revenue increase can weaken operating leverage and make earnings more sensitive to changes in origination volume. Continued marketing investment and hiring for new verticals may be strategically useful, but they also create a higher cost base that must be supported by durable growth.
Happen News
HAPN FAQ
What was Happen’s price range in the past 12 months?
Happen lowest stock price was $13.05 and its highest was $21.67 in the past 12 months.
What is Happen’s market cap?
Happen’s market cap is $1.73B.
When is Happen’s upcoming earnings report date?
Happen’s upcoming earnings report date is Oct 28, 2026 which is in 31 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 up 1.067%.
Which hedge fund is a major shareholder of Happen?
Currently, no hedge funds are holding shares in HAPN
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 (33.63% Upside)
$24.40 (33.63% Upside)
Blogger Sentiment
Bullish
HAPN Sentiment 69%
Sector Average 60%
Sector Average 60%
Hedge Fund Trend
Increased
By 55.4K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.2%
Last 30 Days ▼ 3.9%
Last 30 Days ▼ 3.9%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-9.67%
12-Months-Change
Fundamentals
Return on Equity
―
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]
HAPN Company Deck
HAPN 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 HAPN earnings summariesHAPN Net revenue Breakdown
64.98% Net interest income
35.02% Non-interest income
HAPN Stock 12 Month Forecast
Average Price Target
$24.40
▲(33.63% Upside)
Technical Analysis
Hope Bancorp
―
Dime Community Bancshares
―
German American Bancorp
―
Live Oak Bancshares
―
National Bank Holdings
―
Ownership Overview
2.91% Insiders
25.56% Mutual Funds
19.79% Other Institutional Investors
30.94% Public Companies and Individual Investors