Happen, Inc. (HAPN)Financial Services | Banks - Regional | San Francisco, United States | NasdaqGS
19.61 USD
-0.74
(-3.636%) ⇩
(July 13, 2026, 4 p.m.
EDT)
|
Hot Take ↕ | July 11, 2026, 6:27 a.m. EDT
The most compelling signal here is the divergence between the company's deteriorating operational cash flow and its improving valuation metrics. While operating cash flow is massively negative (-$3 billion), the stock trades at a forward P/E of under 9x with a 12.5% revenue growth rate, suggesting the market has priced in a turnaround or a shift in the business model. The recent price action confirms this sentiment, with the stock rallying nearly 18% over the last two months, breaking above key moving averages. However, the lack of any dividend history and the massive gap between free cash flow and operating cash flow indicate that profitability remains elusive. The options market is screaming bullishness, betting on continued expansion, but investors must remain wary of the underlying cash burn until the negative operating cash flow turns positive. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.047544 |
| AutoARIMA | 0.052011 |
| AutoETS | 0.052011 |
| MSTL | 0.053375 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 38% |
| H-stat | 3.59 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.584 |
| Excess Kurtosis | -0.65 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 0.819 |
| Revenue per Share | 11.928 |
| Market Cap | 2,262,031,872 |
| Trailing P/E | 13.52 |
| Forward P/E | 8.46 |
| Beta | 1.94 |
| Profit Margins | 12.80% |
| Previous Name | LendingClub Corporation |
| Website | https://www.happen.com |
As of July 11, 2026, 6:27 a.m. EDT: Speculators are heavily positioned for upside, evidenced by significant open interest in out-of-the-money calls (strikes 22, 23, 25, 30) compared to negligible put volume. The call chain shows a distinct 'top OI' at strikes well above the current price, while the put side is virtually empty except for deep out-of-the-money hedges. This asymmetry suggests a bullish bias among retail and speculative capital, anticipating a move higher rather than a crash.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.578905 |
| Address1 | 88 Kearny Street |
| Address2 | Suite 600 |
| All Time High | 146.45 |
| All Time Low | 4.315 |
| Ask | 22.52 |
| Ask Size | 1 |
| Audit Risk | 3 |
| Average Analyst Rating | 1.4 - Strong Buy |
| Average Daily Volume10 Day | 2,401,710 |
| Average Daily Volume3 Month | 2,360,191 |
| Average Volume | 2,360,191 |
| Average Volume10Days | 2,401,710 |
| Beta | 1.942 |
| Bid | 16.8 |
| Bid Size | 1 |
| Board Risk | 3 |
| Book Value | 13.191 |
| 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 | 19.61 |
| Current Ratio | 2.756 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 20.375 |
| Day Low | 19.5 |
| Debt To Equity | 0.819 |
| Display Name | Happen |
| Earnings Call Timestamp End | 1,785,182,400 |
| Earnings Call Timestamp Start | 1,785,182,400 |
| Earnings Growth | 3.4 |
| Earnings Quarterly Growth | 3.421 |
| Earnings Timestamp | 1,785,182,400 |
| Earnings Timestamp End | 1,785,182,400 |
| Earnings Timestamp Start | 1,785,182,400 |
| Ebitda | 293,377,984 |
| Ebitda Margins | 0.21381001 |
| Enterprise To Ebitda | 5.019 |
| Enterprise To Revenue | 1.073 |
| Enterprise Value | 1,472,569,600 |
| Eps Current Year | 1.75 |
| Eps Forward | 2.31857 |
| Eps Trailing Twelve Months | 1.45 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 17.8158 |
| Fifty Day Average Change | 1.7942009 |
| Fifty Day Average Change Percent | 0.10070841 |
| Fifty Two Week Change Percent | 57.8905 |
| Fifty Two Week High | 21.67 |
| Fifty Two Week High Change | -2.0599995 |
| Fifty Two Week High Change Percent | -0.09506227 |
| Fifty Two Week Low | 12.251 |
| Fifty Two Week Low Change | 7.359 |
| Fifty Two Week Low Change Percent | 0.60068566 |
| Fifty Two Week Range | 12.251 - 21.67 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,418,308,200,000 |
| Float Shares | 111,412,844 |
| Forward Eps | 2.31857 |
| Forward P E | 8.4578 |
| Free Cashflow | 285,399,872 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 1,075 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,782,864,000 |
| Gross Margins | 0.38806 |
| Gross Profits | 532,467,008 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.03143 |
| Held Percent Institutions | 0.90708 |
| Implied Shares Outstanding | 115,350,925 |
| 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. The company offers deposit products including savings accounts, checking accounts, and certificates of deposit, and provides consumer loan products such as unsecured loans, fixed-rate and fixed-term loans, secured auto refinance loans, personal loans for credit card refinancing and debt consolidation, and financing for health and wellness, home improvement, retail services, and large expenses. The company also offers commercial lending including small business loans and SBA loans. In addition, it operates a lending marketplace platform. It caters to individual consumers and small businesses. Happen, Inc. was formerly known as LendingClub Corporation and changed its name to Happen, Inc. in June 2026. The company was incorporated in 2006 and is headquartered in San Francisco, California. |
| Long Name | Happen, Inc. |
| Market | us_market |
| Market Cap | 2,262,031,872 |
| Market State | PRE |
| Max Age | 86,400 |
| Message Board Id | finmb_34600869 |
| Most Recent Quarter | 1,774,915,200 |
| Name Change Date | 2,026-07-14 |
| Net Income To Common | 175,608,992 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 2,262,031,639 |
| Number Of Analyst Opinions | 9 |
| Open | 20.35 |
| Operating Cashflow | -3,006,673,920 |
| Operating Margins | 0.19965 |
| Overall Risk | 2 |
| Payout Ratio | 0.0 |
| Phone | 415 930 7440 |
| Pre Market Change | 0.36999893 |
| Pre Market Change Percent | 1.8867869 |
| Pre Market Price | 19.98 |
| Pre Market Time | 1,784,030,588 |
| Prev Name | LendingClub Corporation |
| Previous Close | 20.35 |
| Price Eps Current Year | 11.205714 |
| Price Hint | 2 |
| Price To Book | 1.4866197 |
| Price To Sales Trailing12 Months | 1.648555 |
| Profit Margins | 0.12798001 |
| Quick Ratio | 1.926 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | strong_buy |
| Recommendation Mean | 1.44444 |
| Region | US |
| Regular Market Change | -0.74 |
| Regular Market Change Percent | -3.63636 |
| Regular Market Day High | 20.375 |
| Regular Market Day Low | 19.5 |
| Regular Market Day Range | 19.5 - 20.375 |
| Regular Market Open | 20.35 |
| Regular Market Previous Close | 20.35 |
| Regular Market Price | 19.61 |
| Regular Market Time | 1,783,972,800 |
| Regular Market Volume | 1,197,208 |
| Return On Assets | 0.01274 |
| Return On Equity | 0.12161 |
| Revenue Growth | 0.125 |
| Revenue Per Share | 11.928 |
| Sand P52 Week Change | 0.20365608 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 3 |
| Shares Outstanding | 115,350,925 |
| Shares Percent Shares Out | 0.059499998 |
| Shares Short | 6,859,674 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 6,268,637 |
| Short Name | Happen, Inc. |
| Short Percent Of Float | 0.0687 |
| Short Ratio | 2.8 |
| Source Interval | 15 |
| State | CA |
| Symbol | HAPN |
| Target High Price | 29.0 |
| Target Low Price | 22.0 |
| Target Mean Price | 24.11111 |
| Target Median Price | 23.0 |
| Total Cash | 801,942,976 |
| Total Cash Per Share | 6.952 |
| Total Debt | 12,481,000 |
| Total Revenue | 1,372,130,048 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 1.45 |
| Trailing P E | 13.5241375 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 17.2365 |
| Two Hundred Day Average Change | 2.3735008 |
| Two Hundred Day Average Change Percent | 0.13770202 |
| Type Disp | Equity |
| Volume | 1,197,208 |
| Website | https://www.happen.com |
| Zip | 94,108 |