Happen (8LCA) Stock Overview
Operates as a bank holding company that provides financial and lending services in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 3/6 |
| Past Performance | 4/6 |
| Financial Health | 5/6 |
| Dividends | 0/6 |
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Happen, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$14.02 |
| 52 Week High | US$18.28 |
| 52 Week Low | US$11.50 |
| Beta | 1.87 |
| 1 Month Change | -10.10% |
| 3 Month Change | -10.87% |
| 1 Year Change | -5.72% |
| 3 Year Change | 129.75% |
| 5 Year Change | -42.47% |
| Change since IPO | -85.99% |
Recent News & Updates
Recent updates
Shareholder Returns
| 8LCA | DE Consumer Finance | DE Market | |
|---|---|---|---|
| 7D | -2.6% | 0.5% | 0.3% |
| 1Y | -5.7% | 5.0% | 5.0% |
Return vs Industry: 8LCA underperformed the German Consumer Finance industry which returned 4.2% over the past year.
Return vs Market: 8LCA underperformed the German Market which returned 4% over the past year.
Price Volatility
| 8LCA volatility | |
|---|---|
| 8LCA Average Weekly Movement | 5.7% |
| Consumer Finance Industry Average Movement | 5.3% |
| Market Average Movement | 5.0% |
| 10% most volatile stocks in DE Market | 12.4% |
| 10% least volatile stocks in DE Market | 2.4% |
Stable Share Price: 8LCA has not had significant price volatility in the past 3 months compared to the German market.
Volatility Over Time: 8LCA's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2006 | 1,075 | Scott Sanborn | www.happen.com |
Happen, Inc. operates as a bank holding company that provides financial and lending services in the United States. 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. It also provides commercial lending, including small business and SBA loans.
Happen, Inc. Fundamentals Summary
| 8LCA fundamental statistics | |
|---|---|
| Market cap | €1.63b |
| Earnings (TTM) | €170.56m |
| Revenue (TTM) | €1.22b |
Is 8LCA overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| 8LCA income statement (TTM) | |
|---|---|
| Revenue | US$1.39b |
| Cost of Revenue | US$314.22m |
| Gross Profit | US$586.46m |
| Other Expenses | US$390.88m |
| Earnings | US$195.58m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.69 |
| Gross Margin | 42.08% |
| Net Profit Margin | 14.03% |
| Debt/Equity Ratio | 0% |
How did 8LCA perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/21 21:15 |
| End of Day Share Price | 2026/09/21 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Happen, Inc. is covered by 23 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Edward Williams | BMO Capital Markets Equity Research |
| Vincent Caintic | BTIG |
| Michael Graham | Canaccord Genuity |