Happen vs World Acceptance
HAPN and WRLD 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 WRLD compare
Happen is the larger company, worth 2.3 times as much as World Acceptance ($1.8B against $767M).
On earnings, Happen is cheaper: it trades at 8.7× trailing earnings, against 19.8× for World Acceptance.
Happen grew revenue faster over the last twelve months (10.0% versus 4.3% for World Acceptance).
Happen keeps more of each dollar of sales as profit, with a net margin of 20.2% compared with 6.6% at World Acceptance.
Happen scores higher on the StockData Score (8 against 2 for World Acceptance), 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 | WRLD |
|---|---|---|
| Size and price | ||
| Market cap | $1.8B | $767M |
| Share price | $15.53 | $164.47 |
| Change, 1 year | −9.8% | 24.7% |
| Change, 5 years | −65.9% | −32.6% |
| Beta (5Y) | 1.79 | 1.48 |
| Employees | 1,075 | 3,744 |
| StockData Score | ||
| Total score | 8 (better) | 2 |
| Valuation score | 5 (better) | 1 |
| Growth score | 1 | 1 |
| Performance score | 2 (better) | 0 |
| Health score | 0 | 0 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 8.7× (better) | 19.8× |
| P/S | 1.7× | 1.3× (better) |
| P/B | 1.1× (better) | 2.1× |
| P/FCF | – | 2.9× |
| PEG | – | 0.82 |
| FCF yield | −160% | 34.1% (better) |
| Fair value | $27.84 | $194.23 |
| Margin of safety | 44.2% (better) | 15.3% |
| Growth | ||
| Revenue growth (TTM) | 10.0% (better) | 4.3% |
| Revenue growth, 5Y average | 25.7% (better) | 2.1% |
| Net income growth (TTM) | 103% (better) | −51.5% |
| EPS growth (TTM) | 103% (better) | −43.6% |
| EPS growth, 5Y average | – | −12.3% |
| Profitability | ||
| Net margin | 20.2% (better) | 6.6% |
| FCF margin | −275% | 44.2% (better) |
| Return on equity | 13.8% (better) | 9.9% |
| Financial health | ||
| Altman Z-score | 0.17 | 1.29 (better) |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Buyback yield | – | 15.9% |
| Shareholder yield | 0.00% | 15.9% (better) |
| Ownership | ||
| Held by institutions | 90.3% | 96.1% |
| Held by insiders | 2.2% | 54.8% |
| Insider net buying, 12 months | −$9.4M (better) | −$29.2M |
| Short interest, % of float | 5.7% | 18.7% |
Go deeper
- HAPN stock overview
- HAPN income statement
- HAPN valuation and score
- WRLD stock overview
- WRLD income statement
- WRLD valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.