HAPN logo

HAPPEN INC

HAPNNASDAQ
πŸ† #2102 by market capEarnings Oct 28US Equity
$14.92β–² $0.02 (+0.13%)
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🏦Market Cap
$1.72B
Small Cap
πŸ“ˆRevenue Growth (YoY)
-37.4%
Declining
πŸ“ŠGross Margin
70.9%
High
πŸ’΅FCF Margin
49.3%
Strong
βš–οΈP/S Ratio
2.2x
Cheap
Otter Score
68
Fair
No chart data available for HAPN.

Trading Snapshot

Day Range
$14.77 – $15.04
52-Week Range
$14.94 – $21.25
Volume
$4.19B
Avg Volume
$3.67B
Shares Outstanding
115.4M
Next Earnings
Nov 22, 2026

Fundamentals Snapshot

Annual Revenue
$1.33B
Last Q Revenue
$353M
P/E Ratio
8.9
P/S Ratio
2.2x
EPS (TTM)
$1.66
Dividend Yield
β€”
Dilution (1yr)
+2.1%

Why Investors Own HAPN

  • βœ“High-growth profile β€” revenue up +33.1% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 66% gross margin and 18% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

HAPN logo

HAPPEN INC

HAPN
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.3Bβ–² +15.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
64.7%β–² +23.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$334Mβ–² +412.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
βˆ’$2.9Bβ–² +6.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
118.9Mβ–² +2.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$902Mβ–Ό βˆ’$24M YoY
StockOtter Β· stockotter.space

About HAPPEN INC

Happen, Inc., operates as a bank holding company, that provides range of financial products and services in the United States. [8, 24, 33, 52, 60, 62] It offers deposit products, including savings accounts, checking accounts, and certificates of deposit; patient and education finance loans; and commercial loans, including small business loans. [8, 33] The company also provides consumer loans, such as Unsecured and unsecured, fixed-rate, and fixed-term consumer loans; and secured auto refinance loans. [8, 33]

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Price Target

β“˜
Average Target
$14.64
β–Ό βˆ’1.9% Downside
High Target$16.12
Low Target$11.06
Based on 35 analysts

Latest News & Updates

Zacks Investment ResearchΒ·5d ago

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.

Defense WorldΒ·19d ago

Comparing LendingClub (NYSE:LC) and Lendingclub (NASDAQ:HAPN)

Lendingclub (NASDAQ: HAPN - Get Free Report) and LendingClub (NYSE: LC - Get Free Report) are both mid-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of

Zacks Investment ResearchΒ·Aug 24

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

The Motley FoolΒ·Aug 16

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

Happen Bank, formerly known as LendingClub, has crushed SoFi's performance this year. The relative stock performance is backed up by financial fundamentals.

Defense WorldΒ·Aug 10

Lendingclub (NASDAQ:HAPN) CEO Sells $591,100.00 in Stock

Lendingclub Corp (NASDAQ: HAPN - Get Free Report) CEO Scott Sanborn sold 28,750 shares of the firm's stock in a transaction on Wednesday, August 5th. The shares were sold at an average price of $20.56, for a total value

Seeking AlphaΒ·Jul 27

Happen Bank: Full Steam Ahead As Net Interest Income Soars

Happen Bank, formerly LendingClub, stands out as a compelling mid-cap growth opportunity amid fading AI infrastructure momentum. HAPN's successful rebrand and transition to a full-scale digital bank positions it for diff