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Happen, Inc. (HAPN)
Personal Credit Institutions
Latest Price
$15.67
Market Cap
$1.81B
TTM P/E
8.71
Earnings Yield
11.49%
TTM Div Yield
--
P/B Ratio
1.14
Price at the 2026-11-06 close. Earnings yield is trailing 12-month earnings divided by price.
Price
full chart →- 1-Year Change
- -14.29%
- 52-Week High
- $21.25
- 52-Week Low
- $13.73
Daily close, 2026-06-22 to 2026-11-06
Financials
financial statements →| Quarter ending | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Last 4 quarters |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $262.71M | $245.69M | $232.47M | $200.85M | $185.61M | $180.69M | $187.24M | $201.88M | $217.20M | $217.71M | $248.44M | $266.23M | $266.47M | $252.25M | $262.86M | $263.16M | $1.04B |
| Net income | -- | -- | -- | -- | $10.15M | $12.25M | $14.90M | $14.46M | $9.72M | $11.67M | $38.18M | $44.27M | $41.55M | $51.60M | $58.15M | $59.28M | $210.58M |
| Net margin | -- | -- | -- | -- | 5.5% | 6.8% | 8.0% | 7.2% | 4.5% | 5.4% | 15.4% | 16.6% | 15.6% | 20.5% | 22.1% | 22.5% | 20.2% |
| Operating cash flow | $33.35M | $114.49M | -$91.36M | -$344.93M | -$814.80M | -$846.52M | -$932.46M | -$669.83M | -$185.37M | -$339.26M | -$713.09M | -$770.82M | -$903.77M | -$618.99M | -$572.89M | -$691.51M | -$2.79B |
| Free cash flow | $18.53M | $98.09M | -$107.21M | -$360.91M | -$826.08M | -$858.30M | -$945.32M | -$682.26M | -$202.59M | -$352.32M | -$803.79M | -$791.83M | -$919.35M | -$644.77M | -$600.86M | -$709.72M | -$2.87B |
Chart: revenue per quarter, Dec 2022 to Sep 2026. Hover over or tap a row to chart it.
Quarters ending Dec 2024 to Sep 2026, oldest first.
Revenue ($M)
Last 4 quarters $1.04B
$300M$0
217218248266266252263263
Net income ($M)
Last 4 quarters $210.58M
$60M$0
9.711.738.244.341.651.658.159.3
Net margin (%)
Last 4 quarters 20.2%
25%0%
4.55.415.416.615.620.522.122.5
Operating cash flow ($M)
Last 4 quarters -$2.79B
$0-$1B
-185-339-713-771-904-619-573-692
Free cash flow ($M)
Last 4 quarters -$2.87B
$0-$1B
-203-352-804-792-919-645-601-710
Recent Material Events
all events →- Happen, Inc. reported third-quarter 2026 results with diluted earnings per share of $0.50, a 35% increase year-over-year, driven by record pre-tax income of $76.8 million and loan originations growing 26% to $3.3 billion. The company raised its full-year 2026 diluted EPS guidance range to $1.87-$1.92 from $1.80-$1.90, citing strong credit performance and the adoption of fair value option accounting for new originations. Total net revenue was $263.2 million, while the provision for credit losses resulted in a benefit of $15.9 million compared to an expense in the prior year period. Happen, Inc. operates as a digital bank providing consumer lending and deposit services.
Insider Transactions
all insider transactions →| Name | Title | Transaction | Shares | Price | Date |
|---|---|---|---|---|---|
| Cheng Jordan | General Counsel & Secretary | Open Market Sale | 2.8K | $16.76 | 2026-11-05 |
| Cheng Jordan | General Counsel & Secretary | Open Market Sale | 2.8K | $16.00 | 2026-10-29 |
| Selleck Erin | -- | Open Market Sale | 7.1K | $16.68 | 2026-09-15 |
| Selleck Erin | -- | Open Market Sale | 2.1K | $17.41 | 2026-09-04 |
| Cheng Jordan | General Counsel & Secretary | Open Market Sale | 2.8K | $17.56 | 2026-09-03 |