HAPN
Happen, Inc.
Price Chart
Latest Quote
$14.23
+0.46 (+3.34%)
Current Price
| Previous Close | $13.77 |
| Open | $14.00 |
| Day High | $14.37 |
| Day Low | $13.89 |
| Volume | 1,607,025 |
Stock Information
| Shares Outstanding | 115.41M |
| Total Debt | $11.37M |
| Cash Equivalents | $912.77M |
| Revenue | $1.39B |
| Net Income | $195.58M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $1.64B |
| P/E Ratio | 8.57 |
| EPS (TTM) | $1.66 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $687.76M |
| Sales | $1.39B |
| Income | $195.58M |
| Book/sh | $13.58 |
| Cash/sh | $7.91 |
| Employees | 1K |
Financial Ratios
| Quick Ratio | 2.38 |
| Current Ratio | 3.45 |
| Debt/Eq | 0.72 |
| EPS Growth TTM | 52.30% |
Returns & Margins
| ROA | 1.34% |
| ROE | 13.15% |
| Gross Margin | 42.08% |
| Operating Margin | 21.45% |
| Profit Margin | 14.03% |
Ownership
| Insider Ownership | 3.08% |
| Institutional Ownership | 93.94% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 6.00 |
| P/S | 1.18 |
| P/B | 1.05 |
Analyst Data
| Recommendation | strong_buy |
| Target Price | $24.50 |
Technical Indicators
| SMA20 | $14.77 |
| SMA50 | $16.08 |
| SMA200 | $17.02 |
| RSI | 38.46 |
| ATR | 0.5402 |
| Shares Float | 111.65M |
| Short Float | 6.49% |
| Short Ratio | 4.37 |
| Volatility | 1.89 |
| Rel Volume | 0.69 |
Performance History
| Week | -2.40% |
| Month | -4.50% |
| Quarter | -23.21% |
| 6 Months | -15.65% |
| YTD | -25.58% |
| Year | -22.79% |
| 3 Years | +167.98% |
| 5 Years | -57.97% |
| 10 Years | -40.08% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-10-27 | $14.23 | 1,607,025 |
| 2026-10-26 | $13.77 | 3,380,200 |
| 2026-10-23 | $14.09 | 4,050,000 |
| 2026-10-22 | $14.51 | 3,275,200 |
| 2026-10-21 | $14.72 | 3,914,400 |
| 2026-10-20 | $14.58 | 2,897,300 |
| 2026-10-19 | $14.29 | 1,460,500 |
| 2026-10-16 | $14.49 | 1,176,900 |
| 2026-10-15 | $14.67 | 1,965,900 |
| 2026-10-14 | $14.18 | 2,315,900 |
| 2026-10-13 | $14.82 | 2,206,300 |
| 2026-10-12 | $14.93 | 2,437,600 |
| 2026-10-09 | $15.17 | 2,371,600 |
| 2026-10-08 | $15.33 | 3,464,800 |
| 2026-10-07 | $15.16 | 2,100,600 |
| 2026-10-06 | $15.35 | 1,149,100 |
| 2026-10-05 | $15.46 | 1,057,900 |
| 2026-10-02 | $15.38 | 1,665,400 |
| 2026-10-01 | $15.40 | 2,714,800 |
| 2026-09-30 | $14.78 | 1,286,100 |
| 2026-09-29 | $14.92 | 2,702,800 |
| 2026-09-28 | $14.90 | 1,616,700 |
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.
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $998,282,000 | $783,484,000 | $864,619,000 | $1,187,216,000 |
| Operating Revenue | $998,282,000 | $783,484,000 | $864,619,000 | $1,187,216,000 |
| Expenses | ||||
| Interest Expense | $335,871,000 | $373,917,000 | $270,792,000 | $82,515,000 |
| Selling And Marketing Expense | $149,211,000 | $100,402,000 | $93,840,000 | $197,747,000 |
| General And Administrative Expense | $241,846,000 | $232,158,000 | $261,948,000 | $339,397,000 |
| Professional Expense And Contract Services Expense | $42,339,000 | $32,045,000 | $35,173,000 | $50,516,000 |
| Other Non Interest Expense | $57,449,000 | $53,247,000 | $57,264,000 | $64,187,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $135,677,000 | $51,330,000 | $38,939,000 | $289,685,000 |
| Net Interest Income | $625,672,000 | $534,041,000 | $561,838,000 | $474,825,000 |
| Interest Income | $961,543,000 | $907,958,000 | $832,630,000 | $557,340,000 |
| Normalized Income | $135,677,000 | $55,668,950 | $38,939,000 | $289,685,000 |
| Net Income From Continuing And Discontinued Operation | $135,677,000 | $51,330,000 | $38,939,000 | $289,685,000 |
| Net Income Common Stockholders | $135,677,000 | $51,330,000 | $38,939,000 | $289,685,000 |
| Net Income | $135,677,000 | $51,330,000 | $38,939,000 | $289,685,000 |
| Net Income Including Noncontrolling Interests | $135,677,000 | $51,330,000 | $38,939,000 | $289,685,000 |
| Net Income Continuous Operations | $135,677,000 | $51,330,000 | $38,939,000 | $289,685,000 |
| Pretax Income | $176,946,000 | $65,066,000 | $54,617,000 | $153,037,000 |
| Depreciation Amortization Depletion Income Statement | $62,889,000 | $53,334,000 | $47,195,000 | $43,831,000 |
| Depreciation And Amortization In Income Statement | $62,889,000 | $53,334,000 | $47,195,000 | $43,831,000 |
| Special Income Charges | - | $-5,500,000 | - | - |
| Per Share | ||||
| Diluted EPS | $1.16 | $0.45 | $0.36 | $2.79 |
| Basic EPS | $1.18 | $0.46 | $0.36 | $2.80 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $-1,161,050 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $62,889,000 | $58,834,000 | $47,195,000 | $43,831,000 |
| Diluted Average Shares | $117,233,815 | $113,122,859 | $108,468,857 | $104,001,288 |
| Basic Average Shares | $114,605,220 | $111,731,523 | $108,466,179 | $103,547,305 |
| Diluted NI Availto Com Stockholders | $135,677,000 | $51,330,000 | $38,939,000 | $289,685,000 |
| Tax Provision | $41,269,000 | $13,736,000 | $15,678,000 | $-136,648,000 |
| Gain On Sale Of Security | $-566,000 | $-3,432,000 | $0 | $0 |
| Selling General And Administration | $391,057,000 | $332,560,000 | $355,788,000 | $537,144,000 |
| Salaries And Wages | $241,846,000 | $232,158,000 | $261,948,000 | $339,397,000 |
| Occupancy And Equipment | $76,848,000 | $66,992,000 | $71,017,000 | $71,175,000 |
| Total Unusual Items | - | $-5,500,000 | - | - |
| Total Unusual Items Excluding Goodwill | - | $-5,500,000 | - | - |
| Impairment Of Capital Assets | - | $5,500,000 | - | - |
| Minority Interests | - | - | - | - |
Fetched: 2026-10-23
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,351,966,000 | $1,196,408,000 | $1,085,569,000 | $986,589,000 |
| Total Assets | $11,567,816,000 | $10,630,509,000 | $8,827,463,000 | $7,979,747,000 |
| Goodwill And Other Intangible Assets | $148,462,000 | $145,323,000 | $166,253,000 | $177,705,000 |
| Other Intangible Assets | $72,745,000 | $69,606,000 | $90,536,000 | $101,988,000 |
| Receivables | $83,675,000 | $104,620,000 | $146,785,000 | $191,220,000 |
| Other Receivables | $39,757,000 | $64,232,000 | $110,992,000 | $160,319,000 |
| Accounts Receivable | $43,918,000 | $40,388,000 | $35,793,000 | $30,901,000 |
| Cash And Cash Equivalents | $917,654,000 | $954,058,000 | $1,252,504,000 | $1,057,030,000 |
| Cash Financial | $11,749,000 | $15,524,000 | $14,993,000 | $23,125,000 |
| Cash Cash Equivalents And Federal Funds Sold | $930,437,000 | $977,396,000 | $1,294,148,000 | $1,124,484,000 |
| Debt | ||||
| Total Debt | $15,826,000 | $28,502,000 | $50,825,000 | $140,801,000 |
| Long Term Debt And Capital Lease Obligation | $15,826,000 | $28,502,000 | $50,825,000 | $140,801,000 |
| Long Term Debt | - | - | $12,956,000 | $63,510,000 |
| Current Debt And Capital Lease Obligation | - | - | - | $2,619,000 |
| Current Debt | - | - | - | $2,619,000 |
| Other Current Borrowings | - | - | - | $2,619,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $10,067,388,000 | $9,288,778,000 | $7,575,641,000 | $6,815,453,000 |
| Payables And Accrued Expenses | $99,267,000 | $100,964,000 | $91,442,000 | $128,484,000 |
| Payables | $99,267,000 | $100,964,000 | $91,442,000 | $128,484,000 |
| Other Payable | $11,926,000 | $22,833,000 | $36,823,000 | $30,311,000 |
| Accounts Payable | $87,341,000 | $78,131,000 | $54,619,000 | $98,173,000 |
| Equity | ||||
| Common Stock Equity | $1,500,428,000 | $1,341,731,000 | $1,251,822,000 | $1,164,294,000 |
| Total Equity Gross Minority Interest | $1,500,428,000 | $1,341,731,000 | $1,251,822,000 | $1,164,294,000 |
| Stockholders Equity | $1,500,428,000 | $1,341,731,000 | $1,251,822,000 | $1,164,294,000 |
| Gains Losses Not Affecting Retained Earnings | $-18,160,000 | $-24,243,000 | $-30,304,000 | $-37,616,000 |
| Other Equity Adjustments | $-18,160,000 | $-24,243,000 | $-30,304,000 | $-37,616,000 |
| Retained Earnings | $-201,799,000 | $-337,476,000 | $-388,806,000 | $-427,745,000 |
| Other | ||||
| Ordinary Shares Number | $115,368,987 | $113,383,917 | $110,410,602 | $106,546,995 |
| Share Issued | $115,368,987 | $113,383,917 | $110,410,602 | $106,546,995 |
| Tangible Book Value | $1,351,966,000 | $1,196,408,000 | $1,085,569,000 | $986,589,000 |
| Capital Lease Obligations | $15,826,000 | $28,502,000 | $37,869,000 | $77,291,000 |
| Additional Paid In Capital | $1,719,233,000 | $1,702,316,000 | $1,669,828,000 | $1,628,590,000 |
| Capital Stock | $1,154,000 | $1,134,000 | $1,104,000 | $1,065,000 |
| Common Stock | $1,154,000 | $1,134,000 | $1,104,000 | $1,065,000 |
| Long Term Capital Lease Obligation | $15,826,000 | $28,502,000 | $37,869,000 | $77,291,000 |
| Investments And Advances | $3,755,171,000 | $3,496,762,000 | $1,663,153,000 | $384,022,000 |
| Available For Sale Securities | $3,755,171,000 | $44,114,000 | $42,891,000 | $38,320,000 |
| Goodwill | $75,717,000 | $75,717,000 | $75,717,000 | $75,717,000 |
| Net PPE | $267,030,000 | $188,836,000 | $188,128,000 | $200,345,000 |
| Accumulated Depreciation | $-129,355,000 | $-112,937,000 | $-106,006,000 | $-102,599,000 |
| Gross PPE | $396,385,000 | $301,773,000 | $294,134,000 | $302,944,000 |
| Leases | $30,686,000 | $30,699,000 | $30,764,000 | $31,214,000 |
| Construction In Progress | $42,800,000 | $50,500,000 | $112,900,000 | $46,700,000 |
| Other Properties | $12,942,000 | $21,304,000 | $26,611,000 | $63,872,000 |
| Machinery Furniture Equipment | $236,056,000 | $199,270,000 | $123,859,000 | $161,158,000 |
| Buildings And Improvements | $7,700,000 | - | - | - |
| Land And Improvements | $73,901,000 | $0 | - | - |
| Other Short Term Investments | - | $3,452,648,000 | $1,620,262,000 | $345,702,000 |
| Treasury Shares Number | - | - | $0 | - |
| Invested Capital | - | - | $1,264,778,000 | $1,227,804,000 |
| Total Capitalization | - | - | $1,264,778,000 | $1,227,804,000 |
| Preferred Stock | - | - | - | $0 |
Fetched: 2026-10-23
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-2,867,281,000 | $-2,688,476,000 | $-1,196,109,000 | $306,087,000 |
| Operating Activities | ||||
| Operating Cash Flow | $-2,726,940,000 | $-2,634,174,000 | $-1,136,600,000 | $375,568,000 |
| Cash Flow From Continuing Operating Activities | $-2,726,940,000 | $-2,634,174,000 | $-1,136,600,000 | $375,568,000 |
| Operating Gains Losses | $-58,521,000 | $-45,570,000 | $-47,839,000 | $-95,335,000 |
| Investing Activities | ||||
| Capital Expenditure | $-140,341,000 | $-54,302,000 | $-59,509,000 | $-69,481,000 |
| Investing Cash Flow | $1,932,159,000 | $607,813,000 | $516,697,000 | $-2,809,800,000 |
| Cash Flow From Continuing Investing Activities | $1,932,159,000 | $607,813,000 | $516,697,000 | $-2,809,800,000 |
| Net Other Investing Changes | $-4,348,000 | $-2,651,000 | $-4,676,000 | $-4,423,000 |
| Financing Activities | ||||
| Financing Cash Flow | $747,822,000 | $1,709,609,000 | $789,567,000 | $2,795,130,000 |
| Cash Flow From Continuing Financing Activities | $747,822,000 | $1,709,609,000 | $789,567,000 | $2,795,130,000 |
| Net Other Financing Charges | $-22,093,000 | $-13,668,000 | $-19,833,000 | $-9,028,000 |
| Cash Dividends Paid | - | - | - | $0 |
| Preferred Stock Dividend Paid | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $0 | $-19,202,000 | $-111,993,000 | $-452,343,000 |
| Interest Paid Supplemental Data | $341,390,000 | $378,276,000 | $258,626,000 | $79,732,000 |
| Income Tax Paid Supplemental Data | $3,377,000 | $275,000 | $6,631,000 | $14,462,000 |
| End Cash Position | $930,437,000 | $977,396,000 | $1,294,148,000 | $1,124,484,000 |
| Beginning Cash Position | $977,396,000 | $1,294,148,000 | $1,124,484,000 | $763,586,000 |
| Changes In Cash | $-46,959,000 | $-316,752,000 | $169,664,000 | $360,898,000 |
| Net Issuance Payments Of Debt | $0 | $-19,202,000 | $-111,993,000 | $-452,343,000 |
| Net Long Term Debt Issuance | $0 | $-19,202,000 | $-111,993,000 | $-452,343,000 |
| Long Term Debt Payments | $0 | $-19,202,000 | $-111,993,000 | $-452,343,000 |
| Net Investment Purchase And Sale | $1,756,313,000 | $888,623,000 | $36,061,000 | $-136,456,000 |
| Sale Of Investment | $1,786,765,000 | $938,409,000 | $97,709,000 | $86,078,000 |
| Purchase Of Investment | $-30,452,000 | $-49,786,000 | $-61,648,000 | $-222,534,000 |
| Net PPE Purchase And Sale | $-140,341,000 | $-54,302,000 | $-59,509,000 | $-69,481,000 |
| Purchase Of PPE | $-140,341,000 | $-54,302,000 | $-59,509,000 | $-69,481,000 |
| Change In Working Capital | $33,286,000 | $15,964,000 | $-32,852,000 | $-37,598,000 |
| Change In Other Current Liabilities | $-307,000 | $-6,458,000 | $-87,746,000 | $-20,836,000 |
| Change In Other Current Assets | $33,593,000 | $22,422,000 | $54,894,000 | $-16,762,000 |
| Other Non Cash Items | $-3,062,950,000 | $-2,861,006,000 | $-1,347,274,000 | $70,930,000 |
| Stock Based Compensation | $34,286,000 | $40,069,000 | $52,389,000 | $66,362,000 |
| Depreciation Amortization Depletion | $62,889,000 | $58,834,000 | $47,195,000 | $43,831,000 |
| Depreciation And Amortization | $62,889,000 | $58,834,000 | $47,195,000 | $43,831,000 |
| Net Income From Continuing Operations | $135,677,000 | $51,330,000 | $38,939,000 | $289,685,000 |
| Asset Impairment Charge | - | $5,500,000 | - | - |
| Deferred Tax | - | $0 | $0 | $-143,495,000 |
| Deferred Income Tax | - | $0 | $0 | $-143,495,000 |
| Amortization Cash Flow | - | $3,500,000 | - | - |
| Amortization Of Intangibles | - | $3,500,000 | - | - |
| Depreciation | - | $49,800,000 | - | - |
| Net Business Purchase And Sale | - | - | $0 | $0 |
| Sale Of Business | - | - | $0 | $0 |
| Purchase Of Business | - | - | $0 | $0 |
| Issuance Of Debt | - | - | - | $0 |
| Net Short Term Debt Issuance | - | - | - | $-25,581,000 |
| Short Term Debt Payments | - | - | - | $-25,581,000 |
| Short Term Debt Issuance | - | - | - | $0 |
| Long Term Debt Issuance | - | - | - | $0 |
| Unrealized Gain Loss On Investment Securities | - | - | - | - |
Fetched: 2026-10-23