Which has preferable valuation & earnings, FCFS or HAPN?

FirstCash has higher revenue and earnings than Lendingclub. Lendingclub is trading at a lower price-to-earnings ratio than FirstCash, indicating that it is currently the more affordable of the two stocks. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio FirstCash $3.66B 2.44 $330.38M $8.76 23.48 Lendingclub $998.85M 2.28 $135.68M $1.66 11.87

Is FCFS or HAPN more profitable?

Lendingclub has a net margin of 18.67% compared to FirstCash's net margin of 9.42%. FirstCash's return on equity of 19.65% beat Lendingclub's return on equity. Company Net Margins Return on Equity Return on Assets FirstCash 9.42% 19.65% 8.38% Lendingclub 18.67% 12.92% 1.66%

Which has stronger earnings and valuation, HAPN or OMF?

OneMain has higher revenue and earnings than Lendingclub. OneMain is trading at a lower price-to-earnings ratio than Lendingclub, indicating that it is currently the more affordable of the two stocks. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio Lendingclub $998.85M 2.28 $135.68M $1.66 11.87 OneMain $5.46B 1.37 $783M $6.64 9.81

Is HAPN or OMF more profitable?

Lendingclub has a net margin of 18.67% compared to OneMain's net margin of 13.92%. OneMain's return on equity of 23.49% beat Lendingclub's return on equity. Company Net Margins Return on Equity Return on Assets Lendingclub 18.67% 12.92% 1.66% OneMain 13.92% 23.49% 2.92%

Which has preferable earnings and valuation, HAPN or CACC?

Credit Acceptance has higher revenue and earnings than Lendingclub. Lendingclub is trading at a lower price-to-earnings ratio than Credit Acceptance, indicating that it is currently the more affordable of the two stocks. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio Lendingclub $998.85M 2.28 $135.68M $1.66 11.87 Credit Acceptance $2.32B 2.62 $423.90M $45.48 12.78

Which has stronger earnings & valuation, NNI or HAPN?

Nelnet has higher revenue and earnings than Lendingclub. Nelnet is trading at a lower price-to-earnings ratio than Lendingclub, indicating that it is currently the more affordable of the two stocks. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio Nelnet $2.26B 2.15 $428.47M $11.48 11.75 Lendingclub $998.85M 2.28 $135.68M $1.66 11.87

Is NNI or HAPN more profitable?

Lendingclub has a net margin of 18.67% compared to Nelnet's net margin of 18.45%. Lendingclub's return on equity of 12.92% beat Nelnet's return on equity. Company Net Margins Return on Equity Return on Assets Nelnet 18.45% 11.73% 2.99% Lendingclub 18.67% 12.92% 1.66%

Lendingclub (HAPN) Competitors

$19.71 -0.71 (-3.48%)

Closing price 04:00 PM Eastern

Extended Trading

$19.66 -0.05 (-0.25%)

As of 06:45 PM Eastern

Compare

HAPN vs. FCFS, OMF, ENVA, CACC, and NNI

Should you buy Lendingclub stock or one of its competitors? MarketBeat compares Lendingclub with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with Lendingclub include FirstCash (FCFS), OneMain (OMF), Enova International (ENVA), Credit Acceptance (CACC), and Nelnet (NNI). These companies are all part of the "consumer finance" industry.

How does Lendingclub compare to FirstCash?

FirstCash (NASDAQ:FCFS) and Lendingclub (NASDAQ:HAPN) are both mid-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, media sentiment, dividends, risk, profitability, valuation and earnings.

In the previous week, FirstCash had 10 more articles in the media than Lendingclub. MarketBeat recorded 10 mentions for FirstCash and 0 mentions for Lendingclub. FirstCash's average media sentiment score of 1.42 beat Lendingclub's score of 0.46 indicating that FirstCash is being referred to more favorably in the media.

Company	Overall Sentiment
FirstCash	Positive
Lendingclub	Neutral

Lendingclub has a net margin of 18.67% compared to FirstCash's net margin of 9.42%. FirstCash's return on equity of 19.65% beat Lendingclub's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
FirstCash	9.42%	19.65%	8.38%
Lendingclub	18.67%	12.92%	1.66%

80.3% of FirstCash shares are owned by institutional investors. Comparatively, 74.1% of Lendingclub shares are owned by institutional investors. 2.9% of FirstCash shares are owned by insiders. Comparatively, 3.3% of Lendingclub shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

FirstCash has a beta of 0.53, indicating that its stock price is 47% less volatile than the broader market. Comparatively, Lendingclub has a beta of 1.91, indicating that its stock price is 91% more volatile than the broader market.

FirstCash presently has a consensus price target of $212.33, indicating a potential upside of 3.24%. Lendingclub has a consensus price target of $25.00, indicating a potential upside of 26.84%. Given Lendingclub's higher probable upside, analysts clearly believe Lendingclub is more favorable than FirstCash.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FirstCash	0 Sell rating(s)	2 Hold rating(s)	3 Buy rating(s)	1 Strong Buy rating(s)	2.83
Lendingclub	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.67

FirstCash has higher revenue and earnings than Lendingclub. Lendingclub is trading at a lower price-to-earnings ratio than FirstCash, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FirstCash	$3.66B	2.44	$330.38M	$8.76	23.48
Lendingclub	$998.85M	2.28	$135.68M	$1.66	11.87

Summary

FirstCash beats Lendingclub on 13 of the 17 factors compared between the two stocks.

How does Lendingclub compare to OneMain?

Lendingclub (NASDAQ:HAPN) and OneMain (NYSE:OMF) are both mid-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their dividends, analyst recommendations, institutional ownership, risk, profitability, earnings, valuation and media sentiment.

Lendingclub has a beta of 1.91, suggesting that its share price is 91% more volatile than the broader market. Comparatively, OneMain has a beta of 1.21, suggesting that its share price is 21% more volatile than the broader market.

In the previous week, OneMain had 28 more articles in the media than Lendingclub. MarketBeat recorded 28 mentions for OneMain and 0 mentions for Lendingclub. OneMain's average media sentiment score of 0.62 beat Lendingclub's score of 0.46 indicating that OneMain is being referred to more favorably in the news media.

Company	Overall Sentiment
Lendingclub	Neutral
OneMain	Positive

OneMain has higher revenue and earnings than Lendingclub. OneMain is trading at a lower price-to-earnings ratio than Lendingclub, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Lendingclub	$998.85M	2.28	$135.68M	$1.66	11.87
OneMain	$5.46B	1.37	$783M	$6.64	9.81

Lendingclub has a net margin of 18.67% compared to OneMain's net margin of 13.92%. OneMain's return on equity of 23.49% beat Lendingclub's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Lendingclub	18.67%	12.92%	1.66%
OneMain	13.92%	23.49%	2.92%

Lendingclub currently has a consensus target price of $25.00, indicating a potential upside of 26.84%. OneMain has a consensus target price of $68.40, indicating a potential upside of 4.98%. Given Lendingclub's stronger consensus rating and higher probable upside, equities research analysts plainly believe Lendingclub is more favorable than OneMain.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Lendingclub	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.67
OneMain	1 Sell rating(s)	3 Hold rating(s)	8 Buy rating(s)	0 Strong Buy rating(s)	2.58

74.1% of Lendingclub shares are owned by institutional investors. Comparatively, 85.8% of OneMain shares are owned by institutional investors. 3.3% of Lendingclub shares are owned by company insiders. Comparatively, 0.3% of OneMain shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Summary

OneMain beats Lendingclub on 9 of the 16 factors compared between the two stocks.

How does Lendingclub compare to Enova International?

Lendingclub (NASDAQ:HAPN) and Enova International (NYSE:ENVA) are both mid-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, dividends, analyst recommendations, earnings, risk, valuation, institutional ownership and media sentiment.

Lendingclub currently has a consensus target price of $25.00, suggesting a potential upside of 26.84%. Enova International has a consensus target price of $247.83, suggesting a potential downside of 3.34%. Given Lendingclub's higher probable upside, research analysts plainly believe Lendingclub is more favorable than Enova International.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Lendingclub	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.67
Enova International	0 Sell rating(s)	0 Hold rating(s)	8 Buy rating(s)	1 Strong Buy rating(s)	3.11

In the previous week, Enova International had 5 more articles in the media than Lendingclub. MarketBeat recorded 5 mentions for Enova International and 0 mentions for Lendingclub. Enova International's average media sentiment score of 0.78 beat Lendingclub's score of 0.46 indicating that Enova International is being referred to more favorably in the news media.

Company	Overall Sentiment
Lendingclub	Neutral
Enova International	Positive

Lendingclub has a net margin of 18.67% compared to Enova International's net margin of 10.31%. Enova International's return on equity of 26.66% beat Lendingclub's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Lendingclub	18.67%	12.92%	1.66%
Enova International	10.31%	26.66%	5.55%

Enova International has higher revenue and earnings than Lendingclub. Lendingclub is trading at a lower price-to-earnings ratio than Enova International, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Lendingclub	$998.85M	2.28	$135.68M	$1.66	11.87
Enova International	$3.15B	2.03	$308.39M	$13.49	19.01

Lendingclub has a beta of 1.91, meaning that its share price is 91% more volatile than the broader market. Comparatively, Enova International has a beta of 1.22, meaning that its share price is 22% more volatile than the broader market.

74.1% of Lendingclub shares are held by institutional investors. Comparatively, 89.4% of Enova International shares are held by institutional investors. 3.3% of Lendingclub shares are held by insiders. Comparatively, 8.4% of Enova International shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Enova International beats Lendingclub on 13 of the 17 factors compared between the two stocks.

How does Lendingclub compare to Credit Acceptance?

Lendingclub (NASDAQ:HAPN) and Credit Acceptance (NASDAQ:CACC) are both mid-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their valuation, analyst recommendations, media sentiment, earnings, risk, dividends, profitability and institutional ownership.

Credit Acceptance has a net margin of 21.54% compared to Lendingclub's net margin of 18.67%. Credit Acceptance's return on equity of 31.67% beat Lendingclub's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Lendingclub	18.67%	12.92%	1.66%
Credit Acceptance	21.54%	31.67%	5.68%

Lendingclub currently has a consensus price target of $25.00, suggesting a potential upside of 26.84%. Credit Acceptance has a consensus price target of $570.00, suggesting a potential downside of 1.94%. Given Lendingclub's stronger consensus rating and higher probable upside, analysts plainly believe Lendingclub is more favorable than Credit Acceptance.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Lendingclub	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.67
Credit Acceptance	0 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.25

Credit Acceptance has higher revenue and earnings than Lendingclub. Lendingclub is trading at a lower price-to-earnings ratio than Credit Acceptance, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Lendingclub	$998.85M	2.28	$135.68M	$1.66	11.87
Credit Acceptance	$2.32B	2.62	$423.90M	$45.48	12.78

In the previous week, Credit Acceptance had 9 more articles in the media than Lendingclub. MarketBeat recorded 9 mentions for Credit Acceptance and 0 mentions for Lendingclub. Credit Acceptance's average media sentiment score of 1.08 beat Lendingclub's score of 0.46 indicating that Credit Acceptance is being referred to more favorably in the news media.

Company	Overall Sentiment
Lendingclub	Neutral
Credit Acceptance	Positive

74.1% of Lendingclub shares are owned by institutional investors. Comparatively, 81.7% of Credit Acceptance shares are owned by institutional investors. 3.3% of Lendingclub shares are owned by insiders. Comparatively, 6.1% of Credit Acceptance shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Lendingclub has a beta of 1.91, meaning that its share price is 91% more volatile than the broader market. Comparatively, Credit Acceptance has a beta of 1.37, meaning that its share price is 37% more volatile than the broader market.

Summary

Credit Acceptance beats Lendingclub on 12 of the 16 factors compared between the two stocks.

How does Lendingclub compare to Nelnet?

Nelnet (NYSE:NNI) and Lendingclub (NASDAQ:HAPN) are both mid-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their earnings, media sentiment, valuation, profitability, analyst recommendations, institutional ownership, risk and dividends.

Lendingclub has a net margin of 18.67% compared to Nelnet's net margin of 18.45%. Lendingclub's return on equity of 12.92% beat Nelnet's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Nelnet	18.45%	11.73%	2.99%
Lendingclub	18.67%	12.92%	1.66%

Nelnet has higher revenue and earnings than Lendingclub. Nelnet is trading at a lower price-to-earnings ratio than Lendingclub, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Nelnet	$2.26B	2.15	$428.47M	$11.48	11.75
Lendingclub	$998.85M	2.28	$135.68M	$1.66	11.87

33.5% of Nelnet shares are held by institutional investors. Comparatively, 74.1% of Lendingclub shares are held by institutional investors. 40.3% of Nelnet shares are held by insiders. Comparatively, 3.3% of Lendingclub shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Nelnet currently has a consensus price target of $140.00, indicating a potential upside of 3.82%. Lendingclub has a consensus price target of $25.00, indicating a potential upside of 26.84%. Given Lendingclub's stronger consensus rating and higher possible upside, analysts clearly believe Lendingclub is more favorable than Nelnet.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Nelnet	1 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.00
Lendingclub	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.67

In the previous week, Nelnet had 6 more articles in the media than Lendingclub. MarketBeat recorded 6 mentions for Nelnet and 0 mentions for Lendingclub. Nelnet's average media sentiment score of 0.59 beat Lendingclub's score of 0.46 indicating that Nelnet is being referred to more favorably in the media.

Company	Overall Sentiment
Nelnet	Positive
Lendingclub	Neutral

Nelnet has a beta of 0.78, indicating that its stock price is 22% less volatile than the broader market. Comparatively, Lendingclub has a beta of 1.91, indicating that its stock price is 91% more volatile than the broader market.

Summary

Lendingclub beats Nelnet on 9 of the 16 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding HAPN and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.

Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.

HAPN vs. The Competition

Export

Metric	Lendingclub	Consumer Finance Industry	Finance Sector	NASDAQ Exchange
Market Cap	$2.36B	$7.55B	$14.07B	$12.87B
Dividend Yield	N/A	12.21%	5.92%	9.95%
P/E Ratio	11.87	9.35	29.34	25.32
Price / Sales	2.28	37.41	514.25	83.09
Price / Cash	11.85	11.99	39.25	50.37
Price / Book	1.45	2.68	3.72	6.13
Net Income	$135.68M	$434.78M	$1.31B	$342.95M
7 Day Performance	1.97%	1.55%	1.13%	3.03%
1 Month Performance	-0.10%	-0.90%	0.48%	-3.04%
1 Year Performance	N/A	13.40%	13.19%	20.65%

Lendingclub Competitors List

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Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
HAPN Lendingclub	4.7486 of 5 stars	$19.71 -3.5%	$25.00 +26.8%	N/A	$2.36B	$998.85M	11.87	1,075
FCFS FirstCash	3.8294 of 5 stars	$204.01 +1.0%	$199.25 -2.3%	+56.0%	$8.76B	$3.66B	23.29	22,000	Positive News
OMF OneMain	4.7087 of 5 stars	$62.59 -1.3%	$68.40 +9.3%	+16.3%	$7.32B	$5.46B	9.43	9,300	Insider Trade Analyst Revision
ENVA Enova International	3.6605 of 5 stars	$254.26 +0.4%	$247.83 -2.5%	+152.7%	$6.31B	$3.15B	18.85	1,836
CACC Credit Acceptance	2.2448 of 5 stars	$568.91 +2.4%	$557.50 -2.0%	+31.4%	$5.81B	$2.32B	14.14	2,499	Positive News Earnings Report Analyst Forecast

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This page (NASDAQ:HAPN) was last updated on 8/6/2026 by MarketBeat.com Staff.

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Lendingclub (HAPN) Competitors

HAPN vs. FCFS, OMF, ENVA, CACC, and NNI

How does Lendingclub compare to FirstCash?

Summary

How does Lendingclub compare to OneMain?

Summary

How does Lendingclub compare to Enova International?

Summary

How does Lendingclub compare to Credit Acceptance?

Summary

How does Lendingclub compare to Nelnet?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

HAPN vs. The Competition

Lendingclub Competitors List

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Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

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Lendingclub (HAPN) Competitors

HAPN vs. FCFS, OMF, ENVA, CACC, and NNI

How does Lendingclub compare to FirstCash?

Does the media refer more to FCFS or HAPN?

Is FCFS or HAPN more profitable?

Do insiders & institutionals have more ownership in FCFS or HAPN?

Which has more volatility & risk, FCFS or HAPN?

Do analysts rate FCFS or HAPN?

Which has preferable valuation & earnings, FCFS or HAPN?

Summary

How does Lendingclub compare to OneMain?

Which has more risk and volatility, HAPN or OMF?

Does the media prefer HAPN or OMF?

Which has stronger earnings and valuation, HAPN or OMF?

Is HAPN or OMF more profitable?

Do analysts rate HAPN or OMF?

Do insiders and institutionals have more ownership in HAPN or OMF?

Summary

How does Lendingclub compare to Enova International?

Do analysts rate HAPN or ENVA?

Does the media favor HAPN or ENVA?

Is HAPN or ENVA more profitable?

Which has stronger earnings and valuation, HAPN or ENVA?

Which has more volatility and risk, HAPN or ENVA?

Do insiders and institutionals hold more shares of HAPN or ENVA?

Summary

How does Lendingclub compare to Credit Acceptance?

Is HAPN or CACC more profitable?

Do analysts recommend HAPN or CACC?

Which has preferable earnings and valuation, HAPN or CACC?

Does the media prefer HAPN or CACC?

Do insiders & institutionals hold more shares of HAPN or CACC?

Which has more risk & volatility, HAPN or CACC?

Summary

How does Lendingclub compare to Nelnet?

Is NNI or HAPN more profitable?

Which has stronger earnings & valuation, NNI or HAPN?

Do institutionals and insiders believe in NNI or HAPN?

Do analysts rate NNI or HAPN?

Does the media favor NNI or HAPN?

Which has more risk and volatility, NNI or HAPN?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

HAPN vs. The Competition

Lendingclub Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools