Happy Loans provides a service that connects customers with lending partners offering loans, aimed at helping with emergency expenses such as medical fees, mechanic costs, and bills.

Happy Loans

51 Credit Card Inc., an investment holding company, operates an online credit card management platform in the People's Republic of China. Its primary apps include 51 Credit Card Manager. The company offers personal financial services comprising personal credit management, credit card technology, and credit facilitation services. It also provides prepaid card issuance and acceptance, and Internet payment services; micro loan services; financing guarantee services; post-loan management; and employees' incentive operations. The company was founded in 2012 and is headquartered in Hangzhou, China.

Metric
Company Name	Happy Loans	51
Symbol		2.05K
MSH ID	NET:HAPPYLOANS	COM:U51
Market	PRIVATE	STOCKS
Sector	Financial Services & Finance	Financial Services
Industry	Consumer Finance	Financial - Credit Services
Country	US	CN
Stage	Debt Financing
Employee Count		360
Website	happyloans.net	u51.com
LinkedIn		51%E4%BF%A1%E7%94%A8%E5%8D%A1
Founders

Metric
Market Cap		43.30M
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital	987.59K

Metric
Revenue		28.92M
Revenue (LTM)
Revenue (NTM)
Gross Profit		880.84K
EBITDA		7.00M
Operating Income		5.08M
Net Income		1.52M
EPS		0.00
Diluted EPS		0.00
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin		0.03
Operating Profit Margin		0.18
EBITDA Margin		0.24
Net Profit Margin		0.05
Return on Equity		0.02
Return on Assets		0.01
Return on Capital Employed		0.05

HAPP

NET:HAPPYLOANS

Happy Loans

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio		-0.89
P/B Ratio		0.12
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio		1.83
EV Multiple		11.29

Metric
Days Sales Outstanding		1.18K
Days Payables Outstanding
Days Inventory Outstanding		5.42
Operating Cycle		472.54
Cash Conversion Cycle		453.85
Asset Turnover		0.24

Metric
Operating Cash Flow
Free Cash Flow
Cash Flow to Debt		0.87
Operating Cash Flow/Sales		0.23
Free Cash Flow Yield		1.07

Metric
Cash & Equivalents		48.07M
Accounts Receivable
Inventory		416.35K
Goodwill		4.64M
Debt to Capitalization		0.29
Debt to Assets		0.17
Current Ratio		4.86
Quick Ratio		2.54

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue		0.90
R&D to Revenue
SG&A to Revenue		2.53