Happen price to book ratio HAPN

Market value divided by the book value of the company's net assets, since 2014.

Today, Oct 23, 2026: 1.0×
10-year median: 1.4×
Against its 10-year history: 30th; percentile: 0 is its lowest day, 100 its highest
10-year range: 0.4× to 5.9×
Peer median: 2.2×

Happen's price to book ratio is 1.0× as of Oct 23, 2026.

That is below its ten-year median of 1.4×, lower than on 70% of days in the last ten years.

Over that time it ranged from 0.4× in Jun 2020 to 5.9× in Oct 2021.

The median for 10 credit services stocks of a similar size is 2.2×.

Price to book ratio over time

median 1.4×

The dashed line is the 10-year median and the shaded band the middle half of its days.

Open the interactive chart, with overlays and comparisons

Year by year

Year	End of year	Low	High
2026 so far	1.0×	1.0×	1.7×
2025	1.5×	0.7×	1.6×
2024	1.4×	0.7×	1.4×
2023	0.8×	0.5×	1.0×
2022	0.8×	0.8×	3.0×
2021	3.0×	1.3×	5.9×
2020	1.3×	0.4×	1.3×
2019	1.2×	1.2×	1.8×
2018	1.3×	1.2×	2.1×
2017	1.7×	1.5×	2.7×
2016	2.1×	1.3×	3.5×
2015	4.1×	4.1×	10.7×
2014	11.1×	10.6×	11.1×

Against its peers

Companies in Financial - Credit Services nearest Happen's size, closest first, today.

Company	Price to book ratio
HAPNHappen	1.0×
PGYPagaya Technologies	2.7×
NUTXNutex Health	3.6×
LQDTLiquidity Services	6.0×
WUWestern Union CO	2.2×
ATLCAtlanticus	1.9×
ECPGEncore Capital	1.9×
AGMFederal Agricultural Mortgage	1.2×
WDWalker & Dunlop	0.7×
JCAPJefferson Capital	2.5×
PWPPerella Weinberg Partners	n/m
Peer median	2.2×

What the price to book ratio tells you

Market value divided by the accounting value of the company's net assets. Below 1 means the market values the business at less than what it owns on paper.

Book value misses brands, software and people, so asset-light companies always look expensive on it. Most useful for banks and industrials.

More on Happen

Valuation data, not investment advice. Prices as of Oct 23, 2026. Reported figures come from the company's filings with the SEC.