BFH vs HAPN: stock comparison and AI forecast
Bread Financial Holdings, Inc. (BFH) and Happen, Inc. (HAPN) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
BFH Bread Financial Holdings, Inc.
- Price
- $104.83 +18.7% · 6M
- Market Cap
- $3.98B
- P/E Ratio
- 8.2x
- Size
- mid-cap
- AI Forecast
HAPN Happen, Inc.
- Market Cap
- $1.92B
- P/E Ratio
- 12.9x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- BFH is 2.1 times larger than HAPN by market capitalization ($3.98B against $1.92B).
- BFH trades at 8.2 times trailing earnings, HAPN at 12.9 times.
- HAPN turns 19.9% of its revenue into net income, against 11.2% for BFH.
- HAPN carries 7.34 times debt per unit of equity, against 5.78 times for BFH.
- BFH yields 0.95% in dividends; HAPN pays none.
- Both companies share the SEC industry classification Personal Credit Institutions.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | BFH | HAPN |
|---|---|---|
| Market Cap | $3.98B | $1.92B |
| P/E Ratio | 8.22x | 12.94x |
| P/B Ratio | 1.16x | 1.21x |
| Dividend Yield | 0.95% | – |
| EPS | $12.75 | $1.29 |
| Book Value/Share | $90.54 | $13.83 |
| Revenue/Share | $126.13 | $9.19 |
| FCF/Share | – | $-24.95 |
Profitability & Margins
| Metric | BFH | HAPN |
|---|---|---|
| ROE | 15.6% | 13.2% |
| ROA | 2.3% | 1.6% |
| Net Margin | 11.2% | 19.9% |
| EBT Margin | 14.5% | 25.5% |
| Tax Rate | 23.0% | 21.9% |
Financial Health
| Metric | BFH | HAPN |
|---|---|---|
| D/E Ratio | 5.78x | 7.34x |
| Financial Leverage | 6.78x | 8.34x |
| Interest Coverage | 4.2x | – |
Cash Flow
| Metric | BFH | HAPN |
|---|---|---|
| Operating Cash Flow | $2.19B | -$2.79B |
| Free Cash Flow | – | -$2.87B |
| Capital Spending | – | -$88M |
| OCF Growth YoY | 9.3% | – |
| FCF/Sales | – | -271.4% |
| CapEx/Sales | – | 8.3% |
Operational Efficiency
| Metric | BFH | HAPN |
|---|---|---|
| Asset Turnover | 0.21x | 0.08x |
| Fixed Assets Turnover | 49.4x | 3.8x |
Income Statement
| Metric | BFH | HAPN |
|---|---|---|
| Total Revenue | $4.79B | $1.06B |
| Net Income | $537M | $211M |
Dividend & Shareholder Information
| Metric | BFH | HAPN |
|---|---|---|
| Dividends Per Share | $1.00 | – |
| Payout Ratio | 7.8% | – |
| Shares Outstanding | 38M | 115M |
| Net Income Growth | 1578.1% | 102.8% |
| EPS Growth | 30.6% | 87.0% |
BFH vs HAPN: stock comparison and AI forecast
Which is bigger, BFH or HAPN?
BFH is 2.1 times larger than HAPN by market capitalization ($3.98B against $1.92B).
Which is cheaper on earnings, BFH or HAPN?
BFH trades at 8.2 times trailing earnings, HAPN at 12.9 times.
Which one does Intratio's AI model rank higher, BFH or HAPN?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.