Happen vs SLM
HAPN and SLM 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 SLM compare
SLM is the larger company, worth 1.7 times as much as Happen ($3.1B against $1.8B).
On earnings, SLM is cheaper: it trades at 6.1× trailing earnings, against 8.8× for Happen.
Happen grew revenue faster over the last twelve months (10.0% versus −6.7% for SLM).
SLM keeps more of each dollar of sales as profit, with a net margin of 31.7% compared with 20.2% at Happen.
SLM pays a dividend yielding 3.1%; Happen does not pay one.
SLM 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 | SLM |
|---|---|---|
| Size and price | ||
| Market cap | $1.8B | $3.1B |
| Share price | $15.72 | $16.91 |
| Change, 1 year | −16.6% | −37.0% |
| Change, 5 years | −59.6% | −8.1% |
| Beta (5Y) | 1.75 | 1.11 |
| Employees | 1,075 | 1,788 |
| StockData Score | ||
| Total score | 8 | 14 (better) |
| Valuation score | 4 | 5 (better) |
| Growth score | 2 | 2 |
| Performance score | 2 | 3 (better) |
| Health score | 0 | 1 (better) |
| Dividend score | 0 | 3 (better) |
| Valuation | ||
| P/E | 8.8× | 6.1× (better) |
| P/S | 1.7× | 1.7× (better) |
| P/B | 1.1× (better) | 1.4× |
| PEG | – | 0.24 |
| FCF yield | −159% | – |
| Fair value | $24.61 | $23.08 |
| Margin of safety | 36.1% (better) | 26.7% |
| Growth | ||
| Revenue growth (TTM) | 10.0% (better) | −6.7% |
| Revenue growth, 5Y average | 25.7% (better) | 1.8% |
| Net income growth (TTM) | 103% (better) | −9.0% |
| EPS growth (TTM) | 103% (better) | −3.2% |
| EPS growth, 5Y average | – | 9.0% |
| Profitability | ||
| Net margin | 20.2% | 31.7% (better) |
| FCF margin | −275% | – |
| Return on equity | 13.8% | 24.7% (better) |
| Financial health | ||
| Debt / equity | – | 0.40 |
| Altman Z-score | 0.17 | 0.36 (better) |
| Piotroski F-score | 4 | 5 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 3.1% |
| Payout ratio | – | 17.7% |
| Years of dividend growth | – | 2 |
| Dividend growth, 5Y average | – | 34.1% |
| Buyback yield | – | 17.6% |
| Shareholder yield | 0.00% | 20.7% (better) |
| Ownership | ||
| Held by institutions | 90.5% | 115% |
| Held by insiders | 2.2% | 6.8% |
| Insider net buying, 12 months | −$9.4M | – |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 5.9% | – |
Go deeper
- HAPN stock overview
- HAPN income statement
- HAPN valuation and score
- SLM stock overview
- SLM income statement
- SLM valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.