Happen, Inc. HAPN
At closeNov 3, 2026, 6:32 PM EST
After hours · Nov 3, 6:32 PM ET
- YTD
- -17.69%
- 1 year
- -11.32%
- Market cap
- 1.80B
- Revenue (ttm)
- 1.40B
- Profit margin
- 15.02%
- EPS (ttm)
- 1.79
- Shares out
- 115.20M
- P/E ratio
- 8.71
- Forward P/E
- 6.53
- YTD return
- -17.69%
- 1-year return
- -11.32%
- Volume
- 1.58M
- Avg volume
- 1.79M
- Open
- 15.68
- Previous close
- 15.57
- Day's range
- 15.44 – 15.71
- 52-week range
- 13.05 – 21.67
- Beta
- 1.57
- Analysts
- Strong Buy
- Price target
- 23.88 (+53.1%)
- Earnings date
- Jan 27, 2027
5D +1.20 (+8.33%)
Key statistics
- Enterprise value
- 1.03B
- PEG ratio
- 0.00
- Price / sales
- 1.28
- Price / book
- 1.13
- Dividend yield
- 0.00%
- Payout ratio
- 0.00%
- Revenue growth
- 2.50%
- Free cash flow
- 1.35B
- Total cash
- 777.73M
- Total debt
- 10.34M
- Return on equity
- 13.79%
- Short % of float
- 7.70%
- 50-day average
- 15.84
- 200-day average
- 16.93
Analyst view
Consensus: strong buy
- Target (low)
- 20.00
- Target (mean)
- 23.88
- Target (high)
- 29.00
- Strong buy4
- Buy4
- Hold0
- Sell0
- Strong sell0
Next earnings
Jan 27, 2027
Expected Jan 27, 2027. Consensus EPS estimate 0.45667.
Financials — quick view
Earnings
| Report date | Quarter ending | EPS estimate | EPS reported | Surprise | Surprise % |
|---|---|---|---|---|---|
| Jan 27, 2027 | Dec 30, 2026 | 0.45 | — | — | — |
| Oct 28, 2026 | Sep 30, 2026 | 0.4555 | 0.50 | +0.04 | +9.77% |
| Jul 27, 2026 | Jun 30, 2026 | 0.4291 | 0.50 | +0.07 | +16.52% |
| Apr 27, 2026 | Mar 31, 2026 | 0.38 | 0.44 | +0.06 | +15.79% |
| Jan 28, 2026 | Dec 31, 2025 | 0.31 | 0.35 | +0.04 | +12.90% |
| Oct 22, 2025 | Sep 30, 2025 | 0.3036 | 0.37 | +0.07 | +21.87% |
Upgrades / downgrades
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 29, 2026 | Piper Sandler | main | Overweight | Overweight |
| Jul 28, 2026 | Citizens | main | Market Outperform | Market Outperform |
| Jul 28, 2026 | BTIG | reit | Buy | Buy |
| Jun 30, 2026 | BTIG | main | Buy | Buy |
| Apr 28, 2026 | Stephens & Co. | main | Overweight | Overweight |
| Jan 29, 2026 | BTIG | reit | Buy | Buy |
About Happen, Inc.
Happen, Inc. operates as a bank holding company that provides financial and lending services in the United States. The company offers deposit products, including savings accounts, checking accounts, money market accounts, and certificates of deposit; consumer loan products, such as unsecured loans, fixed-rate and fixed-term consumer loans, major purchase finance, and auto refinance; personal loans for credit card refinancing and debt consolidation; financing for health and wellness; and balance transfer, credit card and debt consolidation, emergency, funeral, home improvement, moving, small, and wedding loans. It also provides commercial lending, including small business and SBA loans. In addition, the company operates a lending marketplace platform. It serves individual consumers and small businesses. The company was formerly known as LendingClub Corporation and changed its name to Happen, Inc. in June 2026. Happen, Inc. was incorporated in 2006 and is headquartered in San Francisco, California.
- Sector
- Financial Services
- Industry
- Banks - Regional
- Country
- United States
- Website
- happen.com
News
Happen Bank Q3 Earnings Call Highlights 
Wall Street Analysts See a 40.27% Upside in Happen (HAPN): Can the Stock Really Move This High? 
Piper Sandler Maintains Overweight on Happen, Lowers Price Target to $20 
Happen, Inc. (HAPN) Q3 2026 Earnings Call Transcript 
Happen (HAPN) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates 
Happen (HAPN) Q3 Earnings Surpass Estimates 
Happen Q3 2026 Earnings Call Transcript 
Happen Q3 EPS $0.50 Beats $0.46 Estimate, Sales $263.200M Miss $273.481M Estimate 
Happen, Inc. Reports Third Quarter 2026 Results 
Happen, Inc. Schedules Third Quarter 2026 Earnings Release and Conference Call
Your note
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Insider holders
| Insider | Relation | Latest transaction | Date | Shares held |
|---|---|---|---|---|
| ARMSTRONG ANNIE B | Officer | Conversion of Exercise of derivative security | Feb 24, 2026 | 388,268 |
| CHENG JORDAN | General Counsel | Sale | Sep 2, 2026 | 106,413 |
| CUTLER STEPHEN M | Director | Stock Award(Grant) | Jun 1, 2026 | 109,177 |
| LABENNE ANDREW | Chief Financial Officer | Conversion of Exercise of derivative security | Aug 24, 2026 | 245,617 |
| LANDON ALLAN R | Director | Stock Award(Grant) | Jun 1, 2026 | 159,042 |
| MAYOPOULOS TIMOTHY J | Director | Stock Award(Grant) | Jun 1, 2026 | 189,904 |
Institution ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| Wellington Management Group, LLP | 13.25% | 15,284,869 | 238.29M | Jun 29, 2026 |
| Blackrock Inc. | 8.72% | 10,062,332 | 156.87M | Jun 29, 2026 |
| Vanguard Portfolio Management LLC | 7.15% | 8,248,984 | 128.60M | Jun 29, 2026 |
| Dimensional Fund Advisors LP | 5.45% | 6,287,112 | 98.02M | Jun 29, 2026 |
| Vanguard Capital Management LLC | 4.26% | 4,912,518 | 76.59M | Jun 29, 2026 |
| T. Rowe Price Investment Management, Inc. | 3.22% | 3,714,344 | 57.91M | Jun 29, 2026 |
Fund ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund | 3.01% | 3,474,454 | 54.17M | Jun 29, 2026 |
| American Century ETF Trust-Avantis U.S. Small Cap Value ETF | 2.80% | 3,226,723 | 50.30M | Sep 29, 2026 |
| iShares Trust-iShares Russell 2000 ETF | 2.69% | 3,098,553 | 48.31M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund | 2.17% | 2,508,214 | 39.10M | Jun 29, 2026 |
| VANGUARD HORIZON FUNDS-Vanguard Strategic Equity Fund | 1.61% | 1,859,088 | 28.98M | Jun 29, 2026 |
| T. Rowe Price Small-Cap Value Fund, Inc. | 1.43% | 1,650,554 | 25.73M | Jun 29, 2026 |