Happen, Inc. (HAPN)Financial Services | Banks - Regional | San Francisco, United States | NasdaqGS
14.82 USD
-0.11
(-0.737%) ⇩
(Oct. 13, 2026, 4 p.m.
EDT)
|
Hot Take ↕ | Oct. 10, 2026, 5:43 a.m. EDT
The rebranding to 'Happen Bank' has sparked a speculative frenzy, pushing the stock up 106% recently, yet the underlying business remains a regional lender with modest growth. While the price action is robust, the recent news of a downgrade suggests the market is cooling on the hype. Fundamentally, the company is trading at a reasonable multiple with decent profitability, but the lack of a dividend and the CEO's recent share sales introduce friction. The options market is clearly betting on further upside, but this appears to be a momentum play on a story rather than a confirmation of superior long-term earnings power. The disconnect between the explosive price run and the steady, unremarkable fundamentals warrants caution. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.080856 |
| AutoETS | 0.082789 |
| AutoARIMA | 0.082790 |
| AutoTheta | 0.091499 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 38% |
| H-stat | 8.67 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.346 |
| Excess Kurtosis | -0.85 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 0.725 |
| Revenue per Share | 12.09 |
| Market Cap | 1,710,338,560 |
| Trailing P/E | 8.93 |
| Forward P/E | 6.25 |
| Beta | 1.89 |
| Profit Margins | 14.03% |
| Previous Name | LendingClub Corporation |
| Website | https://www.happen.com |
As of Oct. 10, 2026, 5:43 a.m. EDT: Speculators are positioning for a moderate upside move, evidenced by heavy open interest in out-of-the-money calls (strikes 20, 25, 19) relative to puts. The call side shows significant volume spikes at strikes 20 and 25, suggesting bets on a rally toward the analyst mean target. Conversely, put activity is concentrated near the money and lower strikes, indicating a floor rather than a bearish breakout. Implied volatility is elevated on deep OTM calls, reflecting uncertainty about whether the rebranding narrative will translate into sustained price appreciation.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.102362216 |
| Address1 | 88 Kearny Street |
| Address2 | Suite 600 |
| All Time High | 146.45 |
| All Time Low | 4.315 |
| Ask | 16.81 |
| Ask Size | 1 |
| Audit Risk | 3 |
| Average Analyst Rating | 1.5 - Strong Buy |
| Average Daily Volume10 Day | 2,045,420 |
| Average Daily Volume3 Month | 1,526,535 |
| Average Volume | 1,526,535 |
| Average Volume10Days | 2,045,420 |
| Beta | 1.888 |
| Bid | 12.63 |
| Bid Size | 1 |
| Board Risk | 3 |
| Book Value | 13.582 |
| City | San Francisco |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 5 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 14.82 |
| Current Ratio | 3.453 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 15.06 |
| Day Low | 14.49 |
| Debt To Equity | 0.725 |
| Display Name | Happen |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,793,217,600 |
| Earnings Call Timestamp Start | 1,793,217,600 |
| Earnings Growth | 0.515 |
| Earnings Quarterly Growth | 0.523 |
| Earnings Timestamp | 1,793,217,600 |
| Earnings Timestamp End | 1,793,217,600 |
| Earnings Timestamp Start | 1,793,217,600 |
| Ebitda | 315,643,008 |
| Ebitda Margins | 0.22649 |
| Enterprise To Ebitda | 2.563 |
| Enterprise To Revenue | 0.58 |
| Enterprise Value | 808,940,608 |
| Eps Current Year | 1.84667 |
| Eps Forward | 2.37 |
| Eps Trailing Twelve Months | 1.66 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 15 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 17.1519 |
| Fifty Day Average Change | -2.3318996 |
| Fifty Day Average Change Percent | -0.13595577 |
| Fifty Two Week Change Percent | -10.236221 |
| Fifty Two Week High | 21.67 |
| Fifty Two Week High Change | -6.8500004 |
| Fifty Two Week High Change Percent | -0.31610522 |
| Fifty Two Week Low | 13.05 |
| Fifty Two Week Low Change | 1.7699995 |
| Fifty Two Week Low Change Percent | 0.13563214 |
| Fifty Two Week Range | 13.05 - 21.67 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,418,308,200,000 |
| Float Shares | 111,646,335 |
| Forward Eps | 2.37 |
| Forward P E | 6.253165 |
| Free Cashflow | 1,209,398,528 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 1,075 |
| Fullday Change | 0.030000687 |
| Fullday Change Percent | 0.20243378 |
| Fullday Price | 14.85 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.42082 |
| Gross Profits | 586,462,976 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.030769998 |
| Held Percent Institutions | 0.92063004 |
| Implied Shares Outstanding | 115,407,464 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Ipo Expected Date | 2,026-06-22 |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,562,544,000 |
| Last Split Factor | 1:5 |
| Long Business Summary | 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. |
| Long Name | Happen, Inc. |
| Market | us_market |
| Market Cap | 1,710,338,560 |
| Market State | PRE |
| Max Age | 86,400 |
| Message Board Id | finmb_34600869 |
| Most Recent Quarter | 1,782,777,600 |
| Name Change Date | 2,026-10-14 |
| Net Income To Common | 195,579,008 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 1,847,673,498 |
| Number Of Analyst Opinions | 8 |
| Open | 14.93 |
| Operating Cashflow | -2,866,469,888 |
| Operating Margins | 0.21445999 |
| Overall Risk | 2 |
| Payout Ratio | 0.0 |
| Phone | 415 930 7440 |
| Pre Market Change | 0.030000687 |
| Pre Market Change Percent | 0.20243378 |
| Pre Market Price | 14.85 |
| Pre Market Time | 1,791,981,011 |
| Prev Name | LendingClub Corporation |
| Previous Close | 14.93 |
| Price Eps Current Year | 8.025256 |
| Price Hint | 2 |
| Price To Book | 1.09115 |
| Price To Sales Trailing12 Months | 1.2272632 |
| Profit Margins | 0.14034 |
| Quick Ratio | 2.377 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | strong_buy |
| Recommendation Mean | 1.5 |
| Region | US |
| Regular Market Change | -0.110001 |
| Regular Market Change Percent | -0.736776 |
| Regular Market Day High | 15.06 |
| Regular Market Day Low | 14.49 |
| Regular Market Day Range | 14.49 - 15.06 |
| Regular Market Open | 14.93 |
| Regular Market Previous Close | 14.93 |
| Regular Market Price | 14.82 |
| Regular Market Time | 1,791,921,601 |
| Regular Market Volume | 2,206,315 |
| Return On Assets | 0.013409999 |
| Return On Equity | 0.13155 |
| Revenue Growth | 0.065 |
| Revenue Per Share | 12.09 |
| Sand P52 Week Change | 0.17004645 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 3 |
| Shares Outstanding | 115,407,464 |
| Shares Percent Shares Out | 0.056199998 |
| Shares Short | 6,488,229 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 5,742,582 |
| Short Name | Happen, Inc. |
| Short Percent Of Float | 0.064899996 |
| Short Ratio | 4.37 |
| Source Interval | 15 |
| State | CA |
| Symbol | HAPN |
| Target High Price | 29.0 |
| Target Low Price | 20.0 |
| Target Mean Price | 24.5 |
| Target Median Price | 25.0 |
| Total Cash | 912,766,976 |
| Total Cash Per Share | 7.909 |
| Total Debt | 11,369,000 |
| Total Revenue | 1,393,619,968 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 1.66 |
| Trailing P E | 8.927711 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 17.288925 |
| Two Hundred Day Average Change | -2.4689255 |
| Two Hundred Day Average Change Percent | -0.14280388 |
| Type Disp | Equity |
| Volume | 2,206,315 |
| Website | https://www.happen.com |
| Zip | 94,108 |