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StockVS

NASDAQ · Banks - Regional · USD

Happen, Inc. (HAPN) Stock Analysis

Happen, Inc. (HAPN) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 22, 2026

HAPN

$14.51

−$0.21 (−1.46%)

Oct 22, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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HAPN Key Statistics

As of Oct 22, 2026
Trading
Open
$14.53
Previous Close
$14.72
Day's Range
14.45–14.89
52-Week Range
13.05–21.67
Volume
3.26M
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
1.89
Valuation
Market Cap
$1.67B
P/E Ratio
8.74
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
6.12
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
1.20
EPS (ttm)Profit attributable to each share over the last twelve months.
1.66
Financials (FY)
Revenue (FY)
$998.85M+26.92%
Net Income (FY)
$135.68M+164.32%
Profit marginThe share of revenue left as profit after all costs and taxes.
14.03%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
115.41M
1-Year Return
−12.20%
Dividend and dates
Earnings Date
October 28, 2026
Avg Volume
1.62M

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 22, 2026, HAPN closed at $14.51, −12.20% over 1 year.

Happen, Inc. (HAPN) has a market capitalization of $1.67B.

In fiscal 2025, HAPN reported revenue of $998.85M.

HAPN Stock Return by Calendar Year

Happen, Inc. (HAPN) 10-year return: what $10,000 became

1 year
$10,000 $8,780
−12.20%
5 years
$10,000 $4,220
−57.80%
10 years
$10,000 $5,981
−40.19%

If you had invested $10,000 in Happen, Inc. (HAPN) 10 years ago, at the close on October 21, 2016, it would have been worth $5,981 at the close on October 22, 2026: −40.19% in total, −5.01% a year. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)−23.42%
2025+16.99%
2024+85.24%
2023−0.68%
2022−63.61%
2021+128.98%
2020−16.32%
2019−4.03%
2018−36.32%
2017−21.33%
2016 (partial year)+9.60%

As of October 22, 2026.

HAPN Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$998.85M$135.68M13.6%
2024$787.01M$51.33M6.5%
2023$864.62M$38.94M4.5%
2022$1.19B$289.69M24.4%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$998.85M——$135.68M13.6%
2024$787.01M——$51.33M6.5%
2023$864.62M——$38.94M4.5%
2022$1.19B——$289.69M24.4%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

HAPN Valuation vs Banks - Regional Median

Median of 326 stocks
MetricHAPNBanks - Regional medianvs median
P/E8.7412.1728% below
P/S ratio1.203.660.3x the median
Profit margin14.03%29.44%15.4 pts below

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 22, 2026.

Recent News

All 20 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

The market values Happen, Inc. (HAPN) at $1.67B. The company sits in the Financial Services sector, in the Banks - Regional industry. Headcount on file is 1,075.

Over the past 52 weeks the price has ranged from $13.05 to $21.67. HAPN last closed at $14.51 on October 22, 2026. That is −$0.21 (−1.46%) against the previous close. The latest close sits 11.15% above that 52-week low.

Financial Health

In fiscal 2025, Happen, Inc. reported revenue of $998.85M. That is +26.92% against the prior fiscal year, when revenue was $787.01M. The same year closed with net income of $135.68M. That is +164.32% against the prior fiscal year. The reported profit margin is 14.03%. That is 15.4 percentage points below the Banks - Regional median of 29.44%. Trailing earnings per share are 1.66.

Across the 4 fiscal years on file, revenue moves from $1.19B in 2022 to $998.85M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

HAPN trades at a trailing price-to-earnings ratio of 8.74. That is 28.18% below the Banks - Regional median of 12.17. The forward P/E on file is 6.12. The price-to-sales ratio is 1.2. On price-to-sales that is 0.3 times the Banks - Regional median of 3.66. The medians here are taken across 326 Banks - Regional companies that report the metric.

The trailing one-year total return is −12.20%. Across 10 years the annualized return works out at −5.01%. The reported beta is 1.89. Daily returns over the trailing 10 years annualize to a volatility of 62.73%.

Growth & Income

No dividend is on file for HAPN.

Across the complete calendar years on file, 2021 returned +128.98% and 2022 returned −63.61%. Of the 9 complete calendar years on file, 3 finished higher. So far in 2026 the total return is −23.42%.

Peer Comparison

Happen, Inc. (HAPN) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Happen, Inc. HAPN $1.67B 8.7
Mizuho Financial Group, Inc. MFG $117.22B 13.3
HDFC Bank Limited HDB $115.33B 14.5
ICICI Bank Limited IBN $107.48B 17.5

The Banks - Regional industry average P/E ratio is 12.2x. Happen, Inc. trades at a P/E of 8.7.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 22, 2026.

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About Happen, Inc.

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.

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