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Happen, Inc. HAPN R3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.happen.com
Company Profile ↓
$17.49
+10.91% 1Y
Mkt Cap$2.02B
P/E10.47
P/B1.19
52W High$21.58
52W Low$13.32
Book Value$13.58
EPS (TTM)$1.67

Company Overview

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.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 54.0% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 10.5, below the sector median of 12.9.

Healthy Margins

Operating margin of 21.4% supports profitability.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +6.5%, earnings +51.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 54.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:54.04%
1 Year:6.50%

Compounded Profit Growth

5 Years:-
1 Year:51.50%

Stock Price Performance

1 Year:+10.91%
6 Months:+18.50%
3 Months:+2.22%
1 Month:-9.71%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 50% of range
$13.32 $21.58
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)40.65 · Neutral
Price Performance
1M-9.71%
3M+2.22%
6M+18.50%
1Y+10.91%
Valuation vs Sector

P/E of 10.47 is below the sector median of 12.89 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 54.0% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.47
Industry PE
12.89
Forward P/E
7.47
PEG Ratio
-
Book Value
$13.58
Price to Book
1.19
P/S
1.34
EV/EBITDA
3.06
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
54.04%
Profit 5Y
-
Revenue (YoY)
6.50%
Earnings (YoY)
51.50%

Profitability & Returns

ROCE
-
ROE
13.15%
ROA
1.34%
Profit Margin
14.03%
Op Margin
21.45%
Gross Margin
42.08%
EPS (Latest Qtr)
$0.50
EPS (TTM)
$1.67

Balance Sheet & Liquidity

Debt/Equity
0.72
Quick Ratio
2.38
Current Ratio
3.45
Debt
$11.37M
Total Assets
$12.55B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
3.08%
Chg in Prom Hold
0.00%
FII / Inst Holding
92.20%
Chg in FII Hold
0.08%

Financial Snapshot

Enterprise Value
$2.02B
Total Revenue (TTM)
$1.39B
EBITDA
$315.64M
Free Cash Flow
$1.21B
Operating Cash Flow
$-2.87B
Shares Outstanding
115.41M
Gross Margin
42.08%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 HAPN Happen, Inc. R3KFINANCIAL 17.49 10.47 $2.02B 0.00% - 13.15% 54.04% -
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue ---------------112.06M136.88M138.87M----------------------
Net Income -7.30M-9.19M-7.37M-6.37M-4.14M950.00K4.57M4.14M-81.35M-36.49M-32.27M-29.84M-25.45M-6.53M-92.01M-31.18M-60.86M-22.80M-13.46M-19.93M-10.66M-383.00K234.00K-48.09M-78.47M-34.33M---13.67M10.11M5.01M12.25M14.90M14.46M11.67M38.18M44.27M51.60M58.15M
Diluted EPS -0.13-0.16-0.12-0.02-0.010.000.010.01-0.21-0.09-0.08-0.07-0.06-0.02-0.22-0.37-0.72-0.27-0.16-0.23-0.120.000.00---0.391.730.410.130.090.050.110.130.130.100.330.370.440.50
R&D Expense ---13.90M18.21M21.06M23.89M24.20M29.21M29.43M32.52M35.76M35.72M32.86M37.93M36.84M37.65M41.22M39.55M42.55M43.30M41.45M41.08M38.71M39.17M31.98M--------------

Profit & Loss (Annual)

Figures in USD.

Metric Mar 2011Mar 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 6.45M15.80M98.00M211.13M429.94M500.81M574.54M530.59M604.23M314.70M-----
Net Income -11.94M-11.94M7.31M-32.89M-5.00M-145.97M-153.84M-128.31M-30.75M-187.54M18.58M289.69M38.94M51.33M135.68M
Diluted EPS --1.360.00-0.44-0.01-0.38-1.88-1.52-0.35-0.182.790.360.451.16
R&D Expense --15.53M38.52M77.06M115.36M142.26M155.25M168.38M139.05M-----

Balance Sheet (Annual)

Figures in USD.

Metric Mar 2010Mar 2011Dec 2011Mar 2012Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -169.87M326.80M403.33M850.83M1.94B3.89B5.79B5.56B4.64B3.82B2.98B1.86B4.90B7.98B8.83B10.63B11.57B
Total Equity -26.26M15.51M-46.23M36.34M52.21M68.09M973.22M1.04B975.77M922.50M869.20M900.19M724.17M850.24M1.16B1.25B1.34B1.50B
Cash & Equivalents 2.57M13.34M24.71M31.24M52.55M49.30M869.78M623.53M515.60M401.72M372.97M243.78M524.96M-----
Long Term Debt ---------------19.35M00
Total Liabilities -154.36M294.26M366.99M798.62M1.88B2.92B4.75B4.59B3.71B2.95B2.08B1.14B4.05B6.82B7.58B9.29B10.07B

Cash Flows (Annual)

Figures in USD.

Metric Mar 2011Mar 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -9.50M-11.09M1.14M49.92M74.74M545.00K-573.39M-639.74M-270.64M418.03M239.87M375.57M-1.14B-2.63B-2.73B
Investing Cash Flow -100.89M-218.81M-1.12B-1.26B-2.41B-325.88M998.57M878.74M653.77M565.77M-454.41M-2.81B516.70M607.81M1.93B
Financing Cash Flow 121.16M247.80M1.12B2.03B2.09B314.48M-474.31M-239.23M-540.06M-842.44M349.64M2.80B789.57M1.71B747.82M
Capital Expenditure -162.92K-383.00K-10.44M-20.57M-39.39M-51.84M-44.62M-52.98M-50.67M-31.15M-34.41M-69.48M-59.51M-54.30M-140.34M
Free Cash Flow -9.67M-11.47M-9.30M29.35M35.35M-51.30M-618.00M-692.72M-321.31M386.88M205.46M306.09M-1.20B-2.69B-2.87B
Share Buybacks ---0019.48M000------
Dividends Paid -------0050.20M00---

Ratios (Annual)

Figures in %.

Metric Mar 2011Mar 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ---------------
Operating Margin % ---------------
Net Margin % -185.3%-75.6%7.5%-15.6%-1.2%-29.1%-26.8%-24.2%-5.1%-59.6%-----
ROE % -77.0%-32.9%10.7%-3.4%-0.5%-15.0%-16.7%-14.8%-3.4%-25.9%2.2%24.9%3.1%3.8%9.0%
ROCE % ---------------

Shareholding Pattern

Insiders
3.08%
Institutions
92.20%
Public Float
95.13%

Top Institutional Holders

#Holder% HeldSharesValue
1 Wellington Management Group, LLP 13.25% 15.28M $247.31M
2 Blackrock Inc. 8.72% 10.06M $162.81M
3 Vanguard Portfolio Management LLC 7.15% 8.25M $133.47M
4 Dimensional Fund Advisors LP 5.45% 6.29M $101.73M
5 Vanguard Capital Management LLC 4.26% 4.91M $79.48M
6 T. Rowe Price Investment Management, Inc. 3.22% 3.71M $60.10M
7 Senvest Management LLC 2.90% 3.35M $54.14M
8 American Century Companies Inc 2.73% 3.15M $50.96M
9 State Street Corporation 2.55% 2.94M $47.61M
10 Geode Capital Management, LLC 2.55% 2.95M $47.67M

Analyst View

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Latest News

Recent headlines for HAPN

Google News Fri, 04 Sep 2026

Happen (HAPN) Stock Price, News & Analysis - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiU0FVX3lxTE9nVVJTRmxhc212QW9QZTlVcjVYbUhOUmhWWl9nM2ZXVEF1ZFNYem1WVU9kZlE3WjZGaHh0T1o0SDV3Y2NFUnY1UkxWMVlraFp0TG5R?oc=5" target="_blank">Happen (HAPN) Stock Price, News & Analysis</a>&nbsp;&nb…

Google News ue, 28 Jul 2026

Happen (HAPN) Stock Could Be Reasonable On Earnings Yet Weak On Broader Value Checks - finance.yahoo.com

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Google News ue, 23 Jun 2026

symbol__ Stock Quote Price and Forecast - CNN

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Google News ue, 25 Aug 2026

Q2 Rundown: Happen Bank (NYSE:HAPN) Vs Other Personal Loan Stocks - StockStory

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Google News ue, 02 Jun 2026

LendingClub to Transfer Listing to Nasdaq; New Ticker Symbol "HAPN" to Reflect the Launch of Happen Bank - PR Newswire

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Google News Sat, 05 Sep 2026

Happen Inc (HAPN) General Counsel & Secretary Jordan Cheng Sells 2,800 Shares - gurufocus.com

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HAPN — Frequently Asked Questions

What is the current share price of Happen, Inc. (HAPN)?

As of 2026-09-19 21:16 PDT, Happen, Inc. (HAPN) trades at $17.49 on NasdaqGS. Its 52-week range is $13.32 to $21.58.

What is the market capitalisation of HAPN?

Happen, Inc. (HAPN) has a market capitalisation of $2.02B on NasdaqGS.

What is the P/E ratio of HAPN?

HAPN trades at a trailing price-to-earnings (P/E) ratio of 10.47. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.19.

What is the return on equity (ROE) of HAPN?

HAPN has a return on equity (ROE) of 13.15%.

Is HAPN a good stock to buy?

This page provides a data-driven analysis of Happen, Inc. (HAPN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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