Happen vs Regional Management
HAPN and RM side by side, both in personal credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How HAPN and RM compare
Happen is the larger company, worth 5.4 times as much as Regional Management ($1.8B against $335M).
On earnings, Regional Management is cheaper: it trades at 7.6× trailing earnings, against 8.7× for Happen.
Happen grew revenue faster over the last twelve months (10.0% versus 9.6% for Regional Management).
Happen keeps more of each dollar of sales as profit, with a net margin of 20.2% compared with 7.0% at Regional Management.
Regional Management pays a dividend yielding 3.3%; Happen does not pay one.
Regional Management scores higher on the StockData Score (14 against 8 for Happen), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | HAPN | RM |
|---|---|---|
| Size and price | ||
| Market cap | $1.8B | $335M |
| Share price | $15.53 | $36.30 |
| Change, 1 year | −9.8% | −7.0% |
| Change, 5 years | −65.9% | −39.0% |
| Beta (5Y) | 1.79 | 1.09 |
| Employees | 1,075 | 2,112 |
| StockData Score | ||
| Total score | 8 | 14 (better) |
| Valuation score | 5 | 6 (better) |
| Growth score | 1 | 1 |
| Performance score | 2 (better) | 1 |
| Health score | 0 | 4 (better) |
| Dividend score | 0 | 2 (better) |
| Valuation | ||
| P/E | 8.7× | 7.6× (better) |
| P/S | 1.7× | 0.5× (better) |
| P/B | 1.1× | 0.9× (better) |
| EV/EBITDA | – | 4.2× |
| P/FCF | – | 1.0× |
| FCF yield | −160% | 96.6% (better) |
| Fair value | $27.84 | $48.10 |
| Margin of safety | 44.2% (better) | 24.5% |
| Growth | ||
| Revenue growth (TTM) | 10.0% (better) | 9.6% |
| Revenue growth, 5Y average | 25.7% (better) | 11.5% |
| Net income growth (TTM) | 103% (better) | 34.8% |
| EPS growth (TTM) | 103% (better) | 36.9% |
| EPS growth, 5Y average | – | 13.1% |
| Profitability | ||
| Net margin | 20.2% (better) | 7.0% |
| FCF margin | −275% | 48.2% (better) |
| Return on equity | 13.8% (better) | 12.6% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.17 | 0.71 (better) |
| Piotroski F-score | 4 | 5 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 3.3% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | 43.1% |
| Buyback yield | – | 7.5% |
| Shareholder yield | 0.00% | 10.8% (better) |
| Ownership | ||
| Held by institutions | 90.3% | 88.7% |
| Held by insiders | 2.2% | 23.0% |
| Insider net buying, 12 months | −$9.4M (better) | −$18.6M |
| Short interest, % of float | 5.7% | 4.8% |
Go deeper
- HAPN stock overview
- HAPN income statement
- HAPN valuation and score
- RM stock overview
- RM income statement
- RM valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.