Happen Bank (HAPN) Stock Price, News & Analysis

Company Overview

Happen Bank, originally founded as LendingClub in 2006, is a digital bank primarily built for high-FICO, high-income borrowers that are actively managing their financial lives. The company offers products to make financial progress both fast and easy. Additionally, the company provides advanced credit underwriting, a proprietary technology platform, and a marketplace bank model intended to drive value for members, loan investors, and shareholders. Happen Bank is headquartered in San Fancisco, California.

Key Stats

• Today's Range: $15.67 to $15.91
• 50-Day Range: $13.77 to $17.75
• 52-Week Range: $13.05 to $21.67
• Volume: 1.16 million shs
• Average Volume: 2.05 million shs
• Market Capitalization: $1.81 billion
• P/E Ratio: 8.78
• Dividend Yield: N/A
• Price Target: $23.33
• Consensus Rating: Moderate Buy

Happen Bank Stock Analysis - MarketRank™

Happen Bank scored higher than 94% of companies evaluated by MarketBeat, and ranked 124th out of 852 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.8 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Happen Bank has received a consensus rating of Moderate Buy. The company's average rating score is 2.75, and is based on no strong buy ratings, 3 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

Happen Bank has a consensus price target of $23.33, representing about 47.1% upside from its current price of $15.87.

Amount of Analyst Coverage

Happen Bank has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 21.69%

Earnings Growth

Earnings for Happen Bank are expected to grow by 21.69% in the coming year, from $1.89 to $2.30 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Happen Bank is 8.86, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.55.

Price to Earnings Ratio vs. Sector

The P/E ratio of Happen Bank is 8.86, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.34.

Price to Book Value per Share Ratio

Happen Bank has a P/B Ratio of 1.15. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

5.96% of the float of Happen Bank has been sold short.

Short Interest Ratio / Days to Cover

Happen Bank has a short interest ratio ("days to cover") of 2.09, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Happen Bank has recently decreased by 13.79%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Happen Bank does not currently pay a dividend.

Dividend Growth

Happen Bank does not have a long track record of dividend growth.

News and Social Media

• Score: 3.7 / 5
• News Sentiment: 0.91

News Sentiment

Happen Bank has a news sentiment score of 0.91. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Happen Bank this week, compared to 4 articles on an average week.

Search Interest

Only 1 people have searched for HAPN on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

3 people have added Happen Bank to their MarketBeat watchlist in the last 30 days. This is an increase of 200% compared to the previous 30 days.

Company Ownership

• Score: 1.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Happen Bank insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $2,118,984.00 in company stock.

Percentage Held by Insiders

3.31% of the stock of Happen Bank is held by insiders.

Percentage Held by Institutions

74.08% of the stock of Happen Bank is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 10/28/2026
• Today: 11/11/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NASDAQ:HAPN
• Previous Symbol: NYSE:LC
• CIK: 1409970
• Web: www.happen.com
• Phone: (415) 930-7440
• Fax: N/A
• Employees: 1,075
• Year Founded: 2006

Price Target and Rating

• Average Price Target for Happen Bank: $23.33
• High Price Target: $25.00
• Low Price Target: $20.00
• Potential Upside/Downside: +48.4%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.75
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.79
• Trailing P/E Ratio: 8.78
• Forward P/E Ratio: 6.83
• P/E Growth: N/A
• Net Income: $135.68 million
• Net Margins: 20.16%
• Pretax Margin: 25.82%
• Return on Equity: 13.62%
• Return on Assets: 1.71%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.75
• Quick Ratio: 0.57

Sales & Book Value

• Annual Sales: $998.85 million
• Price / Sales: 1.81
• Cash Flow: $1.67 per share
• Price / Cash Flow: 9.41
• Book Value: $13.83 per share
• Price / Book: 1.14

Miscellaneous

• Outstanding Shares: 115,200,000
• Free Float: 111,390,000
• Market Cap: $1.81 billion
• Optionable: Optionable
• Beta: 1.61