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Happen, Inc. (HAPN) stock

HAPNNasdaqPersonal Credit InstitutionsFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 8/3036% below fair value
$15.72+0.05 (+0.32%)

Close on Nov 11, 2026Market cap $1.81BP/E 8.8Yield –

Earnings

Happen's quarterly results as reported in its earnings releases, with the company's own outlook. Hover a number to see the sentence it came from.

Next report
Jan 27, 2027
Q4 FY2026 · estimated, during market hours
Revenue, Q3 FY2026
$263.20M
-1.1% on a year earlier
Adjusted EPS, Q3 FY2026
$0.50
$0.37 a year earlier
Latest guidance
Issued
Oct 28, 2026 · 4 items

Quarterly results

Revenue and earnings per share from each of Happen's earnings releases, newest first

QuarterReportedRevenueYoYEPSAdj. EPSSource
Q4 FY2026ended Dec 31, 2026Jan 27, 2027Expected–––––
Q3 FY2026ended Sep 30, 2026Oct 28, 2026after the close$263.20M-1.1%$0.50–Release
Q2 FY2026ended Jun 30, 2026Jul 27, 2026during market hours$262.90M+5.8%$0.50–Release
Q1 FY2026ended Mar 31, 2026Apr 27, 2026during market hours$252.30M+15.9%$0.44–Release
Q4 FY2025ended Dec 31, 2025Jan 28, 2026during market hours$266.50M+22.7%$0.35–Release
Q3 FY2025ended Sep 30, 2025Oct 22, 2025during market hours$266.20M+31.8%$0.37–Release
Q2 FY2025ended Jun 30, 2025Jul 29, 2025during market hours$248.40M+32.7%$0.33–Release
Q1 FY2025ended Mar 31, 2025Apr 29, 2025during market hours$217.70M+20.5%$0.10–Release
Q4 FY2024ended Dec 31, 2024Jan 28, 2025during market hours$217.20M+17.0%$0.08–Release
Q3 FY2024ended Sep 30, 2024Oct 23, 2024during market hours$201.90M+0.5%$0.13–Release
Q2 FY2024ended Jun 30, 2024Jul 30, 2024during market hours$187.20M-19.5%$0.13–Release
Q1 FY2024ended Mar 31, 2024Apr 30, 2024during market hours$180.70M-26.5%$0.11–Release

Figures as first announced; later restatements appear under Financials. Expected dates are estimated from the company's past reporting pattern.

Current guidance

Happen's latest outlook for periods it has not reported yet, compared with what it said before

MetricPeriodGuidanceBeforeChangeGiven
Diluted EPSGAAPQ4 FY2026$0.43 – $0.48–NewOct 28, 2026
Loan originationsQ4 FY2026$3.10B – $3.20B–NewOct 28, 2026
Diluted EPSGAAPFY2026$1.87 – $1.92–NewOct 28, 2026
Diluted EPSFY2026$1.80 – $1.90$1.65 – $1.80RaisedJul 27, 2026
Diluted EPSGAAPFY2026$1.65 – $1.80–NewApr 27, 2026
Loan originationsFY2026$12.30B – $12.40B–NewOct 28, 2026
Loan originationsFY2026$12.20B – $12.60B$11.60B – $12.60BRaisedJul 27, 2026

Guidance vs results

The last range Happen gave before each report, against the figure it then reported. Full years add up the four quarters.

PeriodMetricGuidanceActualResult
Q3 FY2026EPS (GAAP)$0.43 – $0.48$0.50Above range
Q2 FY2026EPS (GAAP)$0.40 – $0.45$0.50Above range
Q1 FY2026EPS (GAAP)$0.34 – $0.39$0.44Above range
Q4 FY2022Revenue$255.00M – $265.00M$262.70MWithin range
Q3 FY2022Revenue$280.00M – $300.00M$304.90MAbove range
Q2 FY2022Revenue$295.00M – $305.00M$330.10MAbove range
Q1 FY2022Revenue$255.00M – $265.00M$289.50MAbove range
Q4 FY2021Revenue$240.00M – $250.00M$262.20MAbove range

Guidance history

Every forecast Happen put in an earnings release, newest first

GivenMetricPeriodGuidanceChange
Oct 28, 2026Diluted EPSQ4 FY2026$0.43 – $0.48New
Oct 28, 2026Diluted EPSFY2026$1.87 – $1.92New
Oct 28, 2026Loan originationsQ4 FY2026$3.10B – $3.20BNew
Oct 28, 2026Loan originationsFY2026$12.30B – $12.40BNew
Jul 27, 2026Diluted EPSFY2026$1.80 – $1.90Raised
Jul 27, 2026Diluted EPSQ3 FY2026$0.43 – $0.48New
Jul 27, 2026Loan originationsFY2026$12.20B – $12.60BRaised
Jul 27, 2026Loan originationsQ3 FY2026$3.20B – $3.35BNew
Apr 27, 2026Diluted EPSFY2026$1.65 – $1.80New
Apr 27, 2026Diluted EPSQ2 FY2026$0.40 – $0.45New
Apr 27, 2026Loan originationsFY2026$11.60B – $12.60BReaffirmed
Apr 27, 2026Loan originationsQ2 FY2026$3.00B – $3.10BNew
Jan 28, 2026Diluted EPSFY2026$1.65 – $1.80New
Jan 28, 2026Diluted EPSQ1 FY2026$0.34 – $0.39New
Jan 28, 2026Loan originationsFY2026$11.60B – $12.60BNew
Jan 28, 2026Loan originationsQ1 FY2026$2.55B – $2.65BNew
Jul 29, 2025Return on Tangible Common Equity (ROTCE)Q3 FY202510% – 11.5%New
Jul 29, 2025Loan originationsQ3 FY2025$2.50B – $2.60BNew
Jul 29, 2025Pre-provision net revenue (PPNR)Q3 FY2025$90.00M – $100.00MNew
Apr 29, 2025Loan originationsQ2 FY2025$2.10B – $2.30BNew

Read from the company's earnings releases; each figure links to its sentence on hover. “Raised” and “Lowered” compare with the previous range for the same metric and period.

Press releases

Releases Happen filed with the SEC as exhibits to Form 8-K or 6-K

  1. Happen, Inc. Reports Third Quarter 2026 Results
    Results
  2. Happen, Inc. Reports Second Quarter 2026 Results
    Results
  3. LendingClub Officially Becomes Happen Bank, Marking a New Chapter for the Digital-First Bank
    Update
  4. LendingClub to Transfer Listing to Nasdaq; New Ticker Symbol “HAPN” to Reflect the Launch of Happen Bank
    Update
  5. LendingClub Reports First Quarter 2026 Results
    Results
  6. LendingClub Reports Fourth Quarter and Full Year 2025 Results
    Results
  7. Investor Day 2025 NOVEMBER 5, 2025
    Update
  8. LendingClub Announces $100 Million Common Stock Repurchase and Acquisition Program
    Update
  9. LendingClub Reports Third Quarter 2025 Results
    Results
  10. LendingClub Reports Second Quarter 2025 Results
    Results
  11. LendingClub Reports First Quarter 2025 Results
    Results
  12. LendingClub Agrees to Purchase Headquarters Property in San Francisco to Support Growth, Reinforcing Bay Area Commitment
    News
  13. LendingClub Reports Fourth Quarter and Full Year 2024 Results
    Results
  14. LendingClub Reports Third Quarter 2024 Results
    Results
  15. LendingClub Reports Second Quarter 2024 Results
    Results

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