HAPN · Happen, Inc.
Price & Indicators
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Marketing expense as a % of loan originations | 1.99% | three months ended June 30, 2026 | — |
| Profit margin (pre-tax) | 28.8% | Second Quarter 2026 | — |
| Return on Equity (ROE) | 15.1% | Second Quarter 2026 | — |
| Return on Tangible Common Equity (ROTCE) non-GAAP | 15.9% | Second Quarter 2026 | — |
| Tangible book value per common share non-GAAP | $12.89 | As of June 30, 2026 | — |
| Tier 1 leverage ratio | 11.9% | As of June 30, 2026 | — |
| Total loan originations | 3.1B | Second Quarter 2026 | — |
| Total servicing portfolio | 14.6B | As of June 30, 2026 | — |
| Loan originations | 2.7B | Three Months Ended March 31, 2026 | — |
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| Net interest margin | 6.28% | Three Months Ended March 31, 2026 | — |
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| Pre-tax income | $67.3M | Three Months Ended March 31, 2026 | — |
| Net charge-offs in the held-for-investment at amortized cost loan portfolio | 40.1M | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
HAPN
this stock
Happen, Inc.
|
$2.21B | -2.0% | -58.5% | 11.5 | 4.5% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +45.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.92B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.6% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +21.8% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| HAPN | -3.4% | -3.5% | +15.3% | -3.0% | -2.0% |
| SPY | -0.4% | +2.6% | +10.7% | +2.7% | +12.5% |
| vs SPY | -3.0% | -6.1% | +4.6% | -5.7% | -14.5% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.