Happen, Inc.
HAPNFinancial ServicesNASDAQBanks - Regional · Last scanned Sep 5, 2026
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Daily timeframeHappen, Inc. operates as a bank holding company that provides financial and lending services in the United States. The company carries a $2.05B market cap, placing it firmly in the mid-cap category. The company offers deposit products, including savings accounts, checking accounts, money market accounts, and certificates of deposit; consumer loan products, such as unsecured loans, fixed-rate and fixed-term consumer loans, major purchase finance, and auto refinance; personal loans for credit card refinancing and debt consolidation; financing for health and wellness; and balance transfer, credit card and debt consolidation, emergency, funeral, home improvement, moving, small, and wedding loans.
Market Cap
$2.05B
Beta
1.87
P/E (TTM)
10.63
P/E (Fwd)
7.58
EPS (TTM)
$1.67
EPS (Fwd)
$2.34
ROE
13.2%
ROA
1.3%
Cash
$912.8M
Total Debt
$11.4M
Free CF
$1.21B
52W Change
6.6%
Annual Financials
Cash vs Debt
Where HAPN stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, HAPN finished 1.34% above its 150-day moving average ($17.13) and 1.59% below its 200-day moving average ($17.64). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is HAPN overbought or oversold?
At the September 3, 2026 close, HAPN's RSI(14) was 25.9, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The balance sheet looks solid with $912.8M in cash comfortably exceeding the $11.4M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. The company generates $1.21B in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. Return on equity stands at 13.2%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.3% is on the lower side, which is common in asset-heavy industries. Revenue has pulled back from $1.19B (2022) to $998.3M (2025), a 16% decline worth watching.
Happen, Inc.'s elevated beta suggests the stock experiences more pronounced price movements than the overall market, which increases both upside potential and downside risk. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Happen, Inc.'s trajectory.