Rayana AI
Account
HAPN
HOLD / NEUTRALMeanRev
Composite
52.70
Technical
54.90
Fundamental
51.90
Rank
Price
18.95
Hurst
0.32
As of
Jul 29, 2026
Daily
Happen, Inc.
Financial ServicesBanks - Regional

Happen, Inc. is a bank holding company offering deposit accounts such as savings, checking, and money market products alongside various consumer loan options ranging from personal loans and auto refinancing to credit card consolidation and specialized financing for health services. The company also extends commercial lending to small businesses and operates a lending marketplace platform. Headquartered in San Francisco, it serves both individual consumers and small business customers.

Market cap
$1.9B
P/E (trailing)
9.68
P/E (forward)
6.90
PEG ratio
Dividend yield
Beta
1.87
52w range
13.05 – 21.67
Return on equity
+13.15%
Profit margin
+14.03%
Revenue growth
+6.50%
Earnings growth
+51.50%
Price history

1Y: 16.16 (-8.4%) · range 13.32–21.58

Cycle position
31/ 100 cycle scoreAPPROACHING ENTRY
ENTRYAPPROACHMID-BULLNEAR-TOPEXIT

entry readiness 67 · GOOD SETUP · exit proximity 0

Conviction
42/ 100 · maturity 71%
VScore.321
Buildup.2361
EMA entry setup.2867
Fundamentals.1752
Volume profile
POC
17.39
Price vs POC
-7.1%
Overhead supply
85%
Runway
+2.9%

Value area 16.4019.89 · 85% of 120d volume overhead · heavy supply

Contributing sources

No source detections in the last 21 days.

Forward returns
HorizonReturnMFEState
20d-0.92%+12.68%mature
40d-9.34%+12.68%31/40d