Happen Bank Is Crushing SoFi This Year. Here's the Reason Why It's Still the Better Buy.

Two high-growth fintech companies, Happen Bank (NASDAQ: HAPN) and SoFi (NASDAQ: SOFI), are performing differently this year. Happen Bank's stock has risen by 2.9%, while SoFi's has fallen by 31.5%. SoFi receives more media and investor attention, but is Happen Bank the better investment option? Happen Bank has achieved higher earnings-per-share growth (51.5%) and margins (28.8%) compared to SoFi's lower margins (12.8%).

Happen's better profit margins and return on tangible common equity (15.9%) indicate a stronger financial performance than SoFi's 6.7% return. Despite SoFi's higher growth rate, Happen's efficiency in targeting and underwriting borrowers makes it the better buy for investors focused on financial returns.