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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.

HAPN

$17.75

+$0.17 (+0.97%)

Sep 4, 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 Sep 4, 2026
Trading
Open
$17.41
Previous Close
$17.58
Day's Range
17.35–17.78
52-Week Range
13.05–21.67
Volume
809.67K
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.
1.87
Valuation
Market Cap
$2.05B
P/E Ratio
10.63
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
7.58
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
1.47
EPS (ttm)Profit attributable to each share over the last twelve months.
1.67
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
+6.35%
Dividend and dates
Earnings Date
October 21, 2026estimated
Avg Volume
1.74M

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

HAPN Stock Return by Calendar Year

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

YearReturn
2026 (partial year)−6.28%
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 September 4, 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 380 stocks
MetricHAPNBanks - Regional medianvs median
P/E10.6312.5816% below
P/S ratio1.473.7761% below
Profit margin14.03%29.15%15.1 pts below

Medians across 380 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

All 11 articles ↓

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

Analysis

Data-derived

Company Overview

The market values Happen, Inc. (HAPN) at $2.05B. 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 $17.75 on September 4, 2026. That is +$0.17 (+0.97%) against the previous close. The latest close sits 36.02% 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 15.1 percentage points below the Banks - Regional median of 29.15%. Trailing earnings per share are 1.67.

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 10.63. That is 15.5% below the Banks - Regional median of 12.58. The forward P/E on file is 7.58. The price-to-sales ratio is 1.47. On price-to-sales that is 61.02% below the Banks - Regional median of 3.77. The medians here are taken across 380 Banks - Regional companies that report the metric.

The trailing one-year price return is +6.35%. Across 10 years the annualized return works out at −4.11%. The reported beta is 1.87. Daily returns over the trailing 10 years annualize to a volatility of 62.84%.

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 price is −6.28%.

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 $2.05B 10.6
Mizuho Financial Group, Inc. MFG $135.92B 15.8
HDFC Bank Limited HDB $119.10B 16.0
ICICI Bank Limited IBN $108.74B 18.5

The Banks - Regional industry average P/E ratio is 12.6x. Happen, Inc. trades at a P/E of 10.6.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 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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