HAPN
Happen, Inc. Common Stock
HAPN's outlook is improving, though it still trails on the overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over HAPN overall, supported by stronger modeled upside and stronger valuation.
HAPN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HAPN's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like HAPN.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
HAPN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 7.1x | $15.27 | — |
| Current | 8.5x | $15.27 | — |
| Cheap | 12x | $21.59 | +41% |
| Fair | 23x | $42.16 | +176% |
| Expensive | 29x | $52.47 | +244% |
Historical ranges are pointers, not guarantees.
HAPN has the edge over SOFI in the historical PE scenario, which offers more potential upside but is not a forecast.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
HAPN Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for HAPN, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
HAPN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.16 | +20% |
| Q3 2026 | $1.80 | +105% |
| Q2 2026 | $1.67 | +161% |
| Q1 2026 | $1.50 | +241% |
| Q4 2025 | $1.16 | +158% |
| Q3 2025 | $0.88 | +91% |
| Q2 2025 | $0.64 | +68% |
| Q1 2025 | $0.44 | +29% |
| Q4 2024 | $0.45 | +25% |
HAPN has the edge over SOFI on earnings, with more consistent year-over-year improvement.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
HAPN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $263.2M | -1.2% |
| Q2 2026 | $262.9M | +5.8% |
| Q1 2026 | $252.3M | +16% |
| Q4 2025 | $266.5M | +23% |
| Q3 2025 | $266.2M | +32% |
| Q2 2025 | $248.4M | +33% |
| Q1 2025 | $217.7M | +20% |
| Q4 2024 | $217.2M | +17% |
HAPN's revenue is growing: $263M last quarter, down 1.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 29% | +7.7 points |
| Q2 2026 | 29% | +7.1 points |
| Q1 2026 | 27% | +20 points |
| Q4 2025 | 19% | +14 points |
| Q3 2025 | 22% | +13 points |
| Q2 2025 | 22% | +11 points |
| Q1 2025 | 7.2% | -1.9 points |
| Q4 2024 | 5.1% | -2.3 points |
HAPN has the edge over SOFI on profitability, with a higher operating margin.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over HAPN on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
HAPN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$709.7M | +$82.1M |
| Q2 2026 | -$600.9M | +$202.9M |
| Q1 2026 | -$644.8M | -$292.5M |
| Q4 2025 | -$919.3M | -$716.8M |
| Q3 2025 | -$791.8M | -$109.6M |
| Q2 2025 | -$803.8M | +$141.5M |
| Q1 2025 | -$352.3M | +$506M |
| Q4 2024 | -$202.6M | +$623.5M |
HAPN has the edge over SOFI on cash flow, with more consistent year-over-year improvement.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
HAPN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +308K shares |
| 1 year | -0.5% | -606K shares |
| 3 years | +7.8% | +8.5M shares |
HAPN has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $8.2M |
| Q2 2026 | $7.8M |
| Q1 2026 | $12.6M |
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
HAPN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | -0.1x | Net Cash |
| Q2 2025 | -0.1x | Net Cash |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | -0.1x | Net Cash |
| Q3 2024 | -0.2x | Net Cash |
| Q2 2024 | -0.1x | Net Cash |
| Q1 2024 | 2.5x | Moderate |
| Q4 2023 | -0.1x | Net Cash |
HAPN has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HAPN.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
HAPN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.0 | Neutral |
| Stochastic | 26.2 | Neutral |
HAPN's weekly RSI is 43 (neutral) and its Stochastic is 26 (neutral).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
HAPN PE vs Financial Services Sector
| Metric | HAPN | Sector median | Relative |
|---|---|---|---|
| PE | 8.5x | 13x | 35% below |
| PE % | 1 | 63 | 62 pts below |
HAPN has the edge over SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
HAPN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.1 | 1% above |
| 20 week MA | $17.2 | 11% below |
| 50 week MA | $17.2 | 11% below |
| 100 week MA | $15.5 | 1.7% below |
| 200 week MA | $12.3 | 24% above |
HAPN has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
HAPN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.5 | $8.82 | -30% |
| 2021 | $8.82 | $25.8 | +192% |
| 2022 | $25.8 | $8.67 | -66% |
| 2023 | $8.67 | $8.74 | +0.8% |
| 2024 | $8.74 | $16.7 | +91% |
| 2025 | $16.7 | $19.6 | +18% |
| 2026 YTD | $19.6 | $15.3 | -22% |
HAPN has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.