Happen vs Oportun Financial
Happen and Oportun Financial are similar in size: $999m and $957m of revenue in their latest fiscal years. Happen grew faster (26.9% against -4.5%). Happen kept more of each dollar of sales as profit: a net margin of 13.6% against 2.6%.
| Latest fiscal year | HappenHAPN, 2025 | Oportun FinancialOPRT, 2025 |
|---|---|---|
| Revenue | $999m | $957m |
| Revenue growth | 26.9% | -4.5% |
| Net income | $136m | $25.2m |
| Operating margin | — | — |
| Net margin | 13.6% | 2.6% |
| Return on equity | 9.5% | 6.8% |
| Free cash flow | −$2.87bn | $413m |
| Cash | $930m | $106m |
| Total debt | $0 | $268m |
| Debt to equity | — | 68.8% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | — | — |
| Employees | 1,075 | — |
| Market value | $1.80bn | $456m |
| Price vs our value range | — | — |
| Moat score | 14 (Weak) | 32 (Weak) |
| Insider trades, 12 months | 0 buys, 30 sales | 0 buys, 10 sales |