Happen, Inc.
HAPNFinancial ServicesNASDAQBanks - Regional
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Daily timeframePart of the financial services sector, Happen, Inc. (HAPN) is listed under Banks - Regional. The company carries a $1.63B market cap, placing it firmly in the small-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
$1.63B
Beta
1.89
P/E (TTM)
8.49
P/E (Fwd)
5.95
EPS (TTM)
$1.66
EPS (Fwd)
$2.37
ROE
13.2%
ROA
1.3%
Cash
$912.8M
Total Debt
$11.4M
Free CF
$1.21B
52W Change
-23.1%
Annual Financials
Cash vs Debt
Where HAPN stands vs its 150-day and 200-day moving averages
As of the October 7, 2026 close, HAPN finished 10.39% below its 150-day moving average ($17.13) and 11.78% below its 200-day moving average ($17.40). 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 October 7, 2026 close, HAPN's RSI(14) was 33.9, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Happen, Inc. holds $912.8M in cash against $11.4M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. The company generates $1.21B in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. ROE of 13.2% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. 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.
With a beta above 1.5, HAPN tends to amplify broader market moves — both up and down. This higher volatility means larger price swings are common. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing HAPN.