Which has the lower trailing P/E, ATLCZ or HAPN?

ATLCZ has the lower trailing P/E: ATLCZ trades at 3.28 and HAPN at 9.41. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, ATLCZ or HAPN?

Over the past five years, ATLCZ grew revenue faster — ATLCZ at a 33.60% CAGR versus HAPN at 19.58%.

Does ATLCZ or HAPN pay a bigger dividend?

ATLCZ pays a dividend (9.20% yield), while HAPN has no payments in the available dividend history.

Is ATLCZ or HAPN more profitable?

HAPN runs the higher net margin — ATLCZ at 9.30% versus HAPN at 14.84%.

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) vs Happen, Inc. Common Stock (HAPN)

A side-by-side comparison of Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 and Happen, Inc. Common Stock across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

ATLCZ

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029

$1.66B

$25.14Financial ServicesDelayed quote: Oct 6, 2026, 10:01 AM EDT

HAPN

Happen, Inc. Common Stock

$1.80B

$15.62Financial ServicesDelayed quote: Oct 6, 2026, 10:05 AM EDT

Total return — ATLCZ vs HAPN

growth of $100 · dividends reinvested · last 3y

ATLCZ +30.4% (+9.3%/yr)HAPN +71.4% (+19.7%/yr)HAPN compounded faster over this window

ATLCZ HAPN

ATLCZ vs HAPN: by the numbers

•HAPN is the larger company ($1.80B vs $1.66B market cap).
•ATLCZ trades at the lower trailing earnings multiple (3.28 vs 9.41 P/E), one valuation lens rather than an overall verdict.
•HAPN converts more revenue to profit (14.84% vs 9.30% net margin).
•ATLCZ grew revenue faster over the past five years (33.60% vs 19.58% CAGR).
•ATLCZ pays a dividend (9.20% yield), while HAPN has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	ATLCZ	HAPN
P/E ratio	3.28	9.41
Forward P/E	N/A	8.56
PEG ratio	0.38	N/A
P/S ratio	1.00	1.37
P/B ratio	2.37	1.15

Profitability

Metric	ATLCZ	HAPN
Operating margin	17.73%	18.19%
Net margin	9.30%	14.84%
ROE	20.76%	12.48%

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Happen, Inc. Common Stock: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	ATLCZ	HAPN
Dividend yield	9.20%	N/A
Payout ratio	30.19%	N/A

Growth (annualized)

Metric	ATLCZ	HAPN
Revenue CAGR (5Y)	33.60%	19.58%
EPS CAGR (5Y)	6.79%	N/A
Total return CAGR (5Y)	N/A	-11.63%

Frequently asked

Which has the lower trailing P/E, ATLCZ or HAPN?: ATLCZ has the lower trailing P/E: ATLCZ trades at 3.28 and HAPN at 9.41. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, ATLCZ or HAPN?: Over the past five years, ATLCZ grew revenue faster — ATLCZ at a 33.60% CAGR versus HAPN at 19.58%.
Does ATLCZ or HAPN pay a bigger dividend?: ATLCZ pays a dividend (9.20% yield), while HAPN has no payments in the available dividend history.
Is ATLCZ or HAPN more profitable?: HAPN runs the higher net margin — ATLCZ at 9.30% versus HAPN at 14.84%.

Go deeper

Full ATLCZ analysis Full HAPN analysis Interactive comparison tool

Dig into the metrics

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 P/E ratio Happen, Inc. Common Stock P/E ratio Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 dividend yield Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 ROE Happen, Inc. Common Stock ROE Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 operating margin Happen, Inc. Common Stock operating margin Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 revenue growth Happen, Inc. Common Stock revenue growth

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 & Happen, Inc. Common Stock appear in these rankings

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Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.