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City Holding Company (CHCO) vs Happen Inc. (HAPN)

City Holding Company and Happen Inc. are both Banks Regional companies. City Holding Company and Happen Inc. are of similar size ($2.0B and $1.9B). Happen Inc. trades at the lower P/E: 8.9× against 15.5×. Happen Inc. grew revenue faster over the last twelve months: 8.20% against 3.37%. City Holding Company has the higher net margin (32.8% vs 15.0%) and the lower return on invested capital (14.0% vs 21.1%). Across the 17 metrics below, Happen Inc. leads on 12 and City Holding Company on 5.

Valuation

Metric CHCO HAPN Banks Regional median
P/E 15.45 8.87 12.02
P/S 4.94 1.33 2.36
P/B 2.54 1.17 1.23
Price to free cash flow 14.38 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.47% 11.27% 8.21%
Free cash flow yield 6.95% (153.82%) 9.23%

Profitability

Metric CHCO HAPN Banks Regional median
Gross margin 80.00% 74.50% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 32.75% 15.02% 18.82%
Free cash flow margin 0.00% (204.98%) 17.97%
Return on equity 0.00% 13.78% 10.28%
Return on assets 0.00% 1.73% 1.13%
Return on invested capital 13.98% 21.08% 8.45%

Growth

Metric CHCO HAPN Banks Regional median
Revenue growth (TTM) 3.37% 8.20% 6.37%
EPS growth (last fiscal year) 13.18% 157.78% 18.85%
Revenue growth, 5-year CAGR 8.86% 23.29% 12.65%
Net income growth, 5-year CAGR 7.81% 0.00% 9.81%

Health

Metric CHCO HAPN Banks Regional median
Debt to equity 0.19 0.00 0.17
Current ratio 0.00 0.75 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CHCO HAPN Banks Regional median
Dividend yield 2.55% — 2.49%
Payout ratio 0.39 — 0.29

Size

Metric CHCO HAPN Banks Regional median
Market cap 2.00b 1.86b 934.85m

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