Stocks · Financial Services · Banks - Regional
Happen, Inc. Common Stock HAPN
$15.38 -0.13% Close, Oct 2, 2026 · NASDAQ · Market cap $1.77B
Inexpensive vs sectorHigh risk
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $1.66, up 158.0% year over year.
- Operating margin widened to 18.2% from 7.9% a year earlier.
- Earnings beat analyst estimates in each of the last 5 quarters (average surprise over the last four: +16.8%).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 46%
- EPS growth (TTM, YoY)Top 6%
- Revenue growth, 3-year CAGRBottom 11%
- Revenue growth accelerationBottom 32%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 20%
- Gross marginTop 34%
- Operating marginBottom 42%
- Cash conversion (OCF / net income)Bottom 2%
- Accruals (lower is better)Bottom 1%
- Net debt / EBITDA (lower is better)Top 29%
- Interest coverBottom 37%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 13%
- Free-cash-flow yieldBottom 1%
- EBITDA / enterprise valueTop 9%
- Sales / enterprise valueTop 16%
- P/E vs own 5-year history (lower is better)Top 20%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 41%
- 6-month returnTop 45%
- 1-year return vs S&P 500Bottom 41%
- Distance from 52-week highBottom 17%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 16%
- Consecutive EPS beatsTop 24%
- Share of analysts rating BuyTop 47%
- Upside to consensus price targetTop 11%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 18%
- Maximum drawdown, 3 yearsBottom 16%
- Beta vs S&P 500 (lower is better)Bottom 6%
- Net debt / EBITDA (lower is better)Top 29%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 8.4% | 5.5% | ↓ |
| EPS growth (YoY) | 236.0% | 158.0% | ↓ |
| Gross margin | 54.2% | 71.1% | ↑ |
| Operating margin | 7.9% | 18.2% | ↑ |
| FCF margin | -163.5% | -224.4% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 5.5% | 8.4% | ↓ | Bottom 46% |
| EPS growth (TTM, YoY) | 158.0% | 236.0% | ↓ | Top 6% |
| Gross margin | 71.1% | 54.2% | ↑ | Top 34% |
| Operating margin | 18.2% | 7.9% | ↑ | Bottom 42% |
| Net margin | 14.8% | 5.9% | ↑ | — |
| Free-cash-flow margin | -224.4% | -163.5% | ↓ | — |
| Return on invested capital | 8.0% | — | Top 20% | |
| Revenue growth, 3-year CAGR | 1.7% | — | Bottom 11% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- -2.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 24.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -105.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.00×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 0.00%
- Share count change, 1 year
- +1.4%
- Share count change, 3-year CAGR
- +2.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 30, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 5
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +16.8%
- Average 2-day reaction, last 8
- -0.2%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $22.50
- Target vs current price
- +46.3%
- Analysts with a rating
- 22
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | +16.5% | +3.8% | +6.0% | +2.0% | — |
| Apr 27, 2026 | +15.8% | -1.7% | -2.3% | -10.5% | +7.7% |
| Jan 28, 2026 | +12.9% | -6.0% | -22.6% | -22.6% | -16.8% |
| Oct 22, 2025 | +21.9% | -1.2% | +7.8% | -4.4% | +23.8% |
| Jul 29, 2025 | +120.0% | +1.2% | +23.9% | +27.5% | +29.1% |
| Apr 29, 2025 | +0.0% | +0.3% | -6.2% | -7.3% | +19.9% |
| Jan 28, 2025 | +22.2% | +1.0% | -22.2% | -26.6% | -38.5% |
| Oct 23, 2024 | +85.7% | +0.5% | +14.1% | +21.5% | +37.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $0.50 | $0.43 | +16.5% | $262.9M |
| Apr 27, 2026 | $0.44 | $0.38 | +15.8% | $252.3M |
| Jan 28, 2026 | $0.35 | $0.31 | +12.9% | $266.5M |
| Oct 22, 2025 | $0.37 | $0.30 | +21.9% | $349.6M |
| Jul 29, 2025 | $0.33 | $0.15 | +120.0% | $331.3M |
| Apr 29, 2025 | $0.10 | $0.10 | +0.0% | $299.8M |
| Jan 28, 2025 | $0.11 | $0.09 | +22.2% | $217.2M |
| Oct 23, 2024 | $0.13 | $0.07 | +85.7% | $61.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 9.3× | 16.2× | 21th | Top 13% |
| P/E (forward) | 8.4× | — | — | — |
| EV / EBITDA | 5.8× | — | — | Top 9% |
| EV / Sales | 1.35× | — | — | Top 16% |
| Free-cash-flow yield | -166.58% | — | — | Bottom 1% |
| Earnings yield | 10.79% | — | — | Top 13% |
P/E over the past five years
Range 2.7× – 159.0× since Dec 31, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +3.0%
- Earnings per share growth (TTM)
- +158.0%
- Change in P/E multiple
- -52.0%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -7.6%
- 200-day average slope (20 days)
- -1.2%
- Distance from 50-day average
- -13.1%
- Distance from 200-day average
- -11.8%
- RSI (14)
- 35.9
- Relative volume
- 1.03×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 36.7%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.57
- Correlation with S&P 500
- 0.46
- Current drawdown from 1-year high
- -28.7%
- Maximum drawdown, 3 years
- -52.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 1, 2021 | Oct 26, 2023 | -89.5% | 499 days | Not yet recovered |
| Mar 19, 2021 | May 12, 2021 | -44.3% | 37 days | 54 days (Jul 29, 2021) |
| Feb 8, 2021 | Feb 26, 2021 | -21.0% | 13 days | 10 days (Mar 12, 2021) |
| Oct 12, 2020 | Oct 28, 2020 | -17.7% | 12 days | 6 days (Nov 5, 2020) |
| Sep 7, 2021 | Sep 21, 2021 | -17.2% | 10 days | 16 days (Oct 13, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.77B
- P/E (TTM)
- 9.3
- EPS, diluted (TTM)
- $1.66
- Revenue (TTM)
- $1.32B
- 52-week range
- $13.05 – $21.67
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $898.6M | $1.27B | $1.14B | $1.16B | $1.33B |
| Gross profit | $679.8M | $919.9M | $621.1M | $608.7M | $863.8M |
| Operating income | $18.4M | $153.0M | $54.6M | $65.1M | $333.7M |
| Net income | $18.6M | $289.7M | $38.9M | $51.3M | $135.7M |
| EPS (diluted) | $0.18 | $2.79 | $0.36 | $0.45 | $1.15 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $302.0M | $315.4M | $299.8M | $331.3M | $349.6M | $354.0M | $261.2M | $352.8M |
| Net income | $14.5M | $9.7M | $11.7M | $38.2M | $44.3M | $41.6M | $51.6M | $58.1M |
| EPS (diluted) | $0.13 | $0.08 | $0.10 | $0.33 | $0.37 | $0.35 | $0.44 | $0.50 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $239.9M | $375.6M | -$1.14B | -$2.63B | -$2.73B |
| Capital expenditure | -$34.4M | -$69.5M | -$59.5M | -$54.3M | -$140.3M |
| Free cash flow | $205.5M | $306.1M | -$1.20B | -$2.69B | -$2.87B |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | $0 | $0 | $0 | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $4.06B
- Total assets
- $12.55B
- Total liabilities
- $10.98B
- Total debt
- $11.4M
- Net debt
- -$588,000
- Shareholders’ equity
- $1.57B
As of Jun 30, 2026 (filed Jul 30, 2026).
Short interest
- Shares sold short
- 6,356,690
- Days to cover
- 5.29
- Change vs previous report
- +10.7%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 8, 2019
- 1-for-5