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Happen Inc. (HAPN) vs The Bancorp, Inc. (TBBK)

Happen Inc. and The Bancorp, Inc. are both Banks Regional companies. Happen Inc. and The Bancorp, Inc. are of similar size ($2.0B and $1.9B). The Bancorp, Inc. trades at the lower P/E: 8.4× against 8.9×. Happen Inc. grew revenue faster over the last twelve months: 8.20% against −8.65%. The Bancorp, Inc. has the higher net margin (30.1% vs 15.0%) and the higher return on invested capital (23.9% vs 21.1%). Across the 17 metrics below, The Bancorp, Inc. leads on 11 and Happen Inc. on 6.

Valuation

Metric HAPN TBBK Banks Regional median
P/E 8.87 8.36 12.02
P/S 1.33 2.45 2.36
P/B 1.17 2.76 1.23
Price to free cash flow n/m 8.39 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.27% 11.96% 8.21%
Free cash flow yield (153.82%) 11.92% 9.23%

Profitability

Metric HAPN TBBK Banks Regional median
Gross margin 74.50% 84.61% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.02% 30.13% 18.82%
Free cash flow margin (204.98%) 0.00% 17.97%
Return on equity 13.78% 0.00% 10.28%
Return on assets 1.73% 2.66% 1.13%
Return on invested capital 21.08% 23.85% 8.45%

Growth

Metric HAPN TBBK Banks Regional median
Revenue growth (TTM) 8.20% (8.65%) 6.37%
EPS growth (last fiscal year) 157.78% 14.69% 18.85%
Revenue growth, 5-year CAGR 23.29% 24.39% 12.65%
Net income growth, 5-year CAGR 0.00% 23.30% 9.81%

Health

Metric HAPN TBBK Banks Regional median
Debt to equity 0.00 0.32 0.17
Current ratio 0.75 0.88 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HAPN TBBK Banks Regional median
Dividend yield — — 2.49%
Payout ratio — — 0.29

Size

Metric HAPN TBBK Banks Regional median
Market cap 1.86b 1.95b 934.85m

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