# Happen Inc. (HAPN) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Consumer Finance. Price $17.75, market value $2.0 billion.

## Valuation
- **P/E (trailing): 10.6×** (5-yr avg 42.8×, 3-yr avg 25.5×). Happen Inc. trades at 10.6× trailing earnings, well below its own five-year average of 42.8×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 7.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.05**. A PEG of 0.05 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 2.0×**. Each dollar of revenue is priced at 2.0×.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: -144.3%** (5-yr avg -72.1%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 9.4%**. The inverse of the P/E: 9.4% of the price is earned each year.

## Profitability
- **Net margin: 13.6%**. 13.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 9.0%**. 9.0% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.7%**. Each dollar of assets produces 1.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 26.9%** (3-yr -5.6%/yr, 5-yr 26.0%/yr). Revenue grew 26.9% over the last year, against 26.0% a year compounded over five years.
- **EPS growth (1 yr): 157.8%** (3-yr -25.4%/yr). Earnings per share rose 157.8%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Happen Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 6.4%** (YTD -6.3%, 3-mo 3.5%). The shares are up 6.4% over twelve months including dividends.
- **From 52-week high: -18.1%** (36.0% above the low). Trading 18% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 43**. An RSI of 43 is neutral.
- **Beta (1 yr): 2.33** (volatility 53%). Beta of 2.33 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=HAPN · Page: https://foliofundamentals.com/stocks/hapn

Not investment advice.