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Screener Weekly Summary Pricing

Happen Inc. (HAPN) vs Live Oak Bancshares, Inc. (LOB)

Happen Inc. and Live Oak Bancshares, Inc. are both Banks Regional companies. Happen Inc. and Live Oak Bancshares, Inc. are of similar size ($1.8B and $1.7B). Happen Inc. trades at the lower P/E: 8.8× against 13.0×. Live Oak Bancshares, Inc. grew revenue faster over the last twelve months: 12.0% against 11.6%. Happen Inc. has the higher net margin (14.0% vs 12.3%) and the lower return on invested capital (24.5% vs 29.7%). Across the 17 metrics below, Happen Inc. leads on 11 and Live Oak Bancshares, Inc. on 6.

Valuation

Metric HAPN LOB Banks Regional median
P/E 8.84 13.01 12.15
P/S 1.24 1.61 2.37
P/B 1.11 1.42 1.21
Price to free cash flow n/m 6.98 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.59 0.77 2.27
Earnings yield 11.31% 7.68% 8.11%
Free cash flow yield (170.51%) 14.33% 8.98%

Profitability

Metric HAPN LOB Banks Regional median
Gross margin 75.19% 57.11% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.03% 12.25% 18.66%
Free cash flow margin (212.17%) 23.01% 21.18%
Return on equity 13.15% 11.57% 10.64%
Return on assets 1.68% 0.89% 1.13%
Return on invested capital 24.47% 29.70% 8.33%

Growth

Metric HAPN LOB Banks Regional median
Revenue growth (TTM) 11.62% 12.04% 6.61%
EPS growth (last fiscal year) 157.78% 31.95% —
Revenue growth, 5-year CAGR 23.29% 22.62% 12.30%
Net income growth, 5-year CAGR 0.00% 11.55% 9.71%

Health

Metric HAPN LOB Banks Regional median
Debt to equity 0.00 0.00 0.22
Current ratio 0.72 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HAPN LOB Banks Regional median
Dividend yield — 0.32% 3.75%
Payout ratio 0.00 0.09 0.27

Size

Metric HAPN LOB Banks Regional median
Market cap 1.77b 1.72b 921.07m

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