Price
No data yet.
Social Signal Score
Analyst Ratings
22 analystsRevenue
$352.77M+31.79%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Scott Sanborn
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 1,075
- Beta
- 1.87
- Country
- US
- Piotroski score
- 4 / 9 (Middling)
- Altman Z-score
- 0.48
Financials
Revenue
$352.77M+31.8%Net Income
$58.15MEBITDA
$112.06MFree Cash Flow
$-600.86MEPS (diluted)
$0.50Shares Outstanding (diluted)
117.27M+49.8%Operating Expenses
$163.52MCash & Debt
$4.06BReturn of Capital
$12.62MRevenue by Segment (annual)
$431.80MQuote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $1.33B | $135.68M | $1.18 |
| 2024 | $1.16B | $51.33M | $0.46 |
| 2023 | $1.14B | $38.94M | $0.36 |
| 2022 | $1.27B | $289.69M | $2.80 |
| 2021 | $898.63M | $18.58M | $0.19 |
| 2020 | $455.22M | $-187.54M | $-2.07 |
| 2019 | $979.20M | $-30.75M | $-0.35 |
| 2018 | $981.04M | $-128.31M | $-1.52 |
| 2017 | $1.06B | $-153.84M | $-1.88 |
| 2016 | $1.11B | $-145.97M | $-1.88 |
| 2015 | $918.35M | $-5.00M | $-0.07 |
| 2014 | $530.42M | $-32.89M | $-2.18 |
| 2013 | $267.47M | $7.31M | $0.02 |
| 2011 | $42.73M | $-11.94M | $-1.03 |
Valuation
Project earnings forward and see what return today's price implies.
EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.
- EPS in 5 years
- $1.73
- Implied price
- $27.66
- Return from $15.38
- 12.5% a year
To earn 15.0% a year on these assumptions you'd need to buy at $13.75 — -10.6% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 12 | 14 | 16 | 18 | 20 |
|---|---|---|---|---|---|
| -2.0% | -3.7% | -0.6% | 2.0% | 4.5% | 6.7% |
| 3.0% | 1.2% | 4.4% | 7.2% | 9.8% | 12.1% |
| 8.0% | 6.2% | 9.5% | 12.5% | 15.1% | 17.6% |
| 13.0% | 11.1% | 14.6% | 17.7% | 20.5% | 23.0% |
| 18.0% | 16.0% | 19.6% | 22.9% | 25.8% | 28.5% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
100+0.00%Social Signal Score
Mentions (4)
- Newsprnewswire.com·2d ago·Neutral
Happen, Inc. Schedules Third Quarter 2026 Earnings Release and Conference Call SAN FRANCISCO, Oct. 6, 2026 /PRNewswire/ -- Happen, Inc. (Nasdaq: HAPN) – formerly LendingClub Corporation – announced that it will report earnings for the third quarter of 2026 after the market closes on Wednesday, October 28, 2026. Happen, Inc. will also host a conference call to discuss the results at 2:00 p.m.
View source ↗ - Newsprnewswire.com·8d ago·Negative
Happen Bank Crosses $10 Billion in Personal Loans Sold Through Its Proprietary Structured Loan Certificates Programs SAN FRANCISCO, Sept. 30, 2026 /PRNewswire/ -- Happen Bank, a subsidiary of Happen, Inc. (Nasdaq: HAPN) and a digital bank built for the Motivated Middle, today announced that it has crossed $10 billion in personal loans sold through its proprietary structured loan certificates programs, HAPS and LENDR.
View source ↗ - Newszacks.com·14d ago·Neutral
Do Options Traders Know Something About Happen Stock We Don't? Investors need to pay close attention to HAPN stock based on the movements in the options market lately.
View source ↗ - Newszacks.com·45d ago·Neutral
Wall Street Analysts Think Happen (HAPN) Could Surge 27.9%: Read This Before Placing a Bet The consensus price target hints at a 27.9% upside potential for Happen (HAPN). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will witness an upside in the near term.
View source ↗
Earnings
Wed, Oct 28(in 3 weeks)
Consensus estimate $0.46 per share
Typical surprise +16.5% (median, so one quarter with a near-zero estimate can't distort it)
- Mon, Jul 27$0.50 vs $0.43beat
- Mon, Apr 27$0.44 vs $0.38beat
- Wed, Jan 28$0.35 vs $0.31beat
- Wed, Oct 22$0.37 vs $0.30beat
- Tue, Jul 29$0.33 vs $0.15beat
- Tue, Apr 29$0.10 vs $0.10beat
Estimates and results for HAPN via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by HAPN officers and directors.
- Bought
- —
- Sold
- $8.8m
0 trades
21 trades
- Selleck Erinsold
- Selleck Erinsold
- Cheng Jordansold
- Sanborn Scottsold
- Stack Fergalsold
- Stack Fergalsold
- Stack Fergalsold
- Labenne Andrewsold
79 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in HAPN.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.