- $1.63bn
- $11.52bn
- $998.85m
Growth & Value
| 12m Forecast Rolling | Industry | Market | |
|---|---|---|---|
| PE Ratio (f) | 6.16 | ||
| PEG Ratio (f) | 0.24 | ||
| EPS Growth (f) | 34.71% | ||
| Dividend Yield (f) | n/a | ||
| Valuation (ttm) | Industry | Market | |
|---|---|---|---|
| Price to Book Value | 1.04 | ||
| Price to Tang. Book | 1.09 | ||
| Price to Free Cashflow | n/a | ||
| Price to Sales | 1.55 | ||
| EV to EBITDA | 36.26 | ||
Shareholder Activity
| Type | Buy / Hold / Sell |
|---|---|
| Institutions | |
| Directors | |
| Community |
Guru Screens
Quality
| Name | Industry | Market | |
|---|---|---|---|
| Return on Capital | 1.99% | ||
| Return on Equity | 13.15% | ||
| Operating Margin | 23.88% | ||
Financial Summary
| Year End 31st Dec | Unit | 2021 | 2022 | 2023 | 2024 | 2025 | 2026E | 2027E | CAGR / Avg |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $m | 818.63 | 1,187.22 | 864.62 | 787.01 | 998.85 | 1,066.78 | 1,266.21 | 16.97% |
| Operating Profit | m | ||||||||
| Net Profit | m | ||||||||
| EPS Reported | |||||||||
| Diluted Normalised EPS | |||||||||
| EPS Growth | % | n/a | +864.47 | -87.11 | +26.4 | +155.06 | +57.35 | +31.41 | n/a |
| PE Ratio | x | ||||||||
| PEG | |||||||||
| Profitability | |||||||||
| Operating Margin | % | ||||||||
| ROA | % | ||||||||
| ROCE | % | ||||||||
| ROE | % | ||||||||
| Cashflow | |||||||||
| Op. Cashflow ps | |||||||||
| Capex ps | |||||||||
| Free Cashflow ps | |||||||||
| Dividends | |||||||||
| Dividend ps | |||||||||
| Dividend Growth | % | ||||||||
| Dividend Yield | % | ||||||||
| Dividend Cover | x | ||||||||
| Balance Sheet | |||||||||
| Cash etc | m | ||||||||
| Working Capital | m | ||||||||
| NFA | m | ||||||||
| Net Debt | m | ||||||||
| Book Value | m | ||||||||
| Diluted Weighted Average Shares | m | ||||||||
| Book Value ps | |||||||||
Other Ratios
| Leverage (ttm) | Total | - Intang | + Pension |
|---|---|---|---|
| Gross Gearing | |||
| Net Gearing | |||
| Cash / Assets |
| Liquidity (ttm) | |
|---|---|
| Curr. Ratio | |
| Quick Ratio | |
| Interest Cov. | |
| Efficiency (ttm) | |
|---|---|
| Asset Turnover | |
| Recs Turnover | |
| Stock Turnover | |
Recent History
| Latest interim period vs. prior period | Industry | Market | |
|---|---|---|---|
| Sales Growth | |||
| EPS Growth | |||
| 3yr Compound Annual Growth Rate | Industry | Market | |
|---|---|---|---|
| Sales CAGR | |||
| EPS CAGR | |||
| DPS CAGR | |||
Profile Summary
Happen, Inc., formerly LendingClub Corporation, owns and operates Happen Bank, National Association (the Bank). The Bank is a digital bank and provides borrowing, banking, business, and investing services. Its banking services include personal banking which provides levelup checking, levelup savings, and certificate of deposit. Its business includes financing solutions and business loans. Its financing solutions include health and wellness, home improvement, and retail services. Its business loans include small business loans and SBA loans. Its borrowing services include personal loans, auto refinance, and pay for a large expense. Its personal loans include pay off credit cards, consolidate debt, and cash loans. Its pay for a large expense includes health and wellness and retail services. Its investing service includes institutional investing. The retail services include tutoring services, auto repair, and retail.
Directors
- John Morris NEC (62)
- Scott Sanborn CEO (51)
- Thomas Casey CFO (58)
- Brandon Pace CAD (48)
- Annie Armstrong CRO (43)
- Valerie Kay OTH (54)
- Ronnie Momen OTH (53)
- Susan Athey IND (50)
- Allan Landon IND (73)
- Timothy Mayopoulos IND (62)
- Patricia Mccord IND (67)
- Erin Selleck IND (64)
- Michael Zeisser IND (56)
- Last Annual
- December 31st, 2025
- Last Interim
- June 30th, 2026
- Incorporated
- October 2nd, 2006
- Public Since
- October 22nd, 2014
- No. of Shareholders
- 32
- No. of Employees
- 1,075
- Sector
- Banking Services
- Industry
- Financials
- Exchange
NASDAQ Global Select Market- Shares in Issue
- 115,407,464
- Address
- 88 KEARNY ST, SUITE 600, SAN FRANCISCO, 94108
- Web
- https://www.happen.com
- Phone
- +1 3026365400
- Auditors
- Deloitte & Touche LLP
Latest News for HAPN
Upcoming Events for HAPN
Q3 2026 Happen, Inc. Earnings Release
Q3 2026 Happen, Inc. Earnings Call
Q4 2026 Happen, Inc. Earnings Release
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FAQ
As of Today at 21:03 UTC, shares in Happen are trading at $14.09. This share price information is delayed by 15 minutes.
Shares in Happen last closed at $14.09 and the price had moved by -22.79% over the past 365 days. In terms of relative price strength the Happen share price has underperformed the S&P500 Index by -31.22% over the past year.
The overall consensus recommendation for Happen is Buy. You can view the full broker recommendation list by unlocking its StockReport.
Find out moreHappen does not currently pay a dividend.
Happen does not currently pay a dividend.
Happen does not currently pay a dividend.
To buy shares in Happen you'll need a share-dealing account with an online or offline stock broker. Once you have opened your account and transferred funds into it, you'll be able to search and select shares to buy and sell. You can use Stockopedia’s share research software to help you find the the kinds of shares that suit your investment strategy and objectives.
As of the previous close price of $14.09, shares in Happen had a market capitalisation of $1.63bn.
Here are the trading details for Happen:
- Country of listing: United States
- Exchange: NSQ
- Ticker Symbol: HAPN
Based on an overall assessment of its quality, value and momentum Happen is currently classified as a Neutral. The classification is based on a composite score that examines a wide range of fundamental and technical measures. Stock are classified on the the following spectrum: Super Stocks, High Flyers, Contrarians, Turnarounds, Neutral, Value Traps, Momentum Traps, Falling Stars, and Sucker Stocks. For more information, learn about our StockRank Styles.
The analyst consensus target price for shares in Happen is $24.71. That is 75.37% above the last closing price of $14.09.
Analysts covering Happen currently have a consensus Earnings Per Share (EPS) forecast of $1.82 for the next financial year.
Find out moreAn important predictor of whether a stock price will go up is its track record of momentum. Price trends tend to persist, so it's worth looking at them when it comes to a share like Happen. Over the past six months, its share price has underperformed the S&P500 Index by -24.11%.
As of the last closing price of $14.09, shares in Happen were trading -17.52% below their 200 day moving average. You can read more about the power of momentum in assessing share price movements on Stockopedia.
The Happen PE ratio based on its reported earnings over the past 12 months is 6.16. The shares last closed at $14.09.
The PE ratio (or price-to-earnings ratio) is the one of the most popular valuation measures used by stock market investors. It is calculated by dividing a company's price per share by its earnings per share.
The PE ratio can be seen as being expressed in years, in the sense that it shows the number of years of earnings which would be required to pay back the purchase price, ignoring inflation. So in general terms, the higher the PE, the more expensive the stock is.
Happen's management team is headed by:
- John Morris - NEC
- Scott Sanborn - CEO
- Thomas Casey - CFO
- Brandon Pace - CAD
- Annie Armstrong - CRO
- Valerie Kay - OTH
- Ronnie Momen - OTH
- Susan Athey - IND
- Allan Landon - IND
- Timothy Mayopoulos - IND
- Patricia Mccord - IND
- Erin Selleck - IND
- Michael Zeisser - IND