HAPNFinancial Services · Banks - Regional

HAPN Stock Forecast: Happen, Inc. Price Predictions for 2026-2027

Last close, 11 Sept 2026

$17

+0.60% on the day

The 9 Wall Street analysts covering Happen, Inc. hold a median 12-month price target of $25 — +48.8% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 76 of 100 as at 12 Sept 2026 — inside the top quartile. Here, the model and the Street point the same way.

Market cap

$1.9B

Ticker Nerd rank

76 / 100

Median analyst target

$25

Analysts covering

Revenue$262.7M+5.7% y/y

Net income$58.1M

Free cash flow−$600.9M

Quarterly, 5 quarters to 30 June 2026 · latest quarter's figure shown

Total return, dividends reinvested

−4.4%

−12.6%

YTD

−11.3%

+0.4%

From 52W high

−22.2%

From 52W low

+26.1%

$13

$22

52-week range, adjusted closes · the dot is the last close

Ticker Nerd rank

HAPN stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Happen, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 12 Sept 2026

76 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Quality

Revisions

Value

Growth

Issuance

Momentum

Size

Accruals

Volatility

Quality (92): The business earns solid, repeatable profits on what it owns.

Volatility (1): The share price moves around a lot.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

HAPN stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on HAPN, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says9 analysts

9 Buy0 Hold0 Sell

Low $22Median $25High $29

The green dot is the last close — the median target sits +48.8% from it.

Recent analyst actionsNewest first

Date	Firm	Action	Rating	Target
28 July 2026	BTIG	Reiterates	Buy	$25
28 July 2026	Citizens	Maintains	Market Outperform	$23 → $25
30 June 2026	BTIG	Maintains	Buy	—
30 June 2026	BTIG	Maintains	Buy	$20 → $25
28 Apr 2026	Stephens & Co.	Maintains	Overweight	—
29 Jan 2026	BTIG	Reiterates	Buy	—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. HAPN appears on the weeks it earns a place.

Performance

HAPN vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 11 Sept 2026, Happen, Inc. returned +0.4% against +17.5% for the S&P 500, dividends included.

HAPN vs S&P 500, last 12 monthsTotal return, rebased to 100

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

HAPN analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year

EPS revision, 90 days

+6.5%

Analysts raising

Analysts cutting

Fundamentals

Happen, Inc. (HAPN) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation

Trailing P/E: 10.1×
Price / sales: 1.4×
Price / book: 1.2×
EV / EBITDA: 3.3×

Growth & margins

Revenue growth (YoY): 6.5%
Earnings growth (YoY): 52.3%
Gross margin: —
Operating margin: 21.4%
Net margin: 14.0%

Returns & dividend

Return on equity: 13.2%
Return on assets: 1.3%
Dividend yield: —

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Happen, Inc. (HAPN) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

Happen, Inc. has a market value of $1.9B and an enterprise value of $1.0B.
Revenue in the twelve months to 30 June 2026: $1.0B. The latest quarter grew 6.5% year on year.
Net income over the same four quarters: $195.6M, a 18.7% net margin.
Diluted earnings per share, trailing twelve months: $1.66.
Free cash flow in the twelve months to 30 June 2026: −$3.0B.
Shares outstanding: 115.4M.
Trailing P/E: 10.1×; forward P/E: 7.2× — the forward figure prices analyst consensus estimates, not reported earnings.
Happen, Inc. employs 1,075 people — $975K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 13 Sept 2026

Data provided by Twelve Data

Peers

HAPN vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional

Company	Market cap	TKN rank
HAPNHappen, Inc.	$1.9B	76
BLXBladex, Inc.	$1.9B	33
NBHCNational Bank Holdings Corp.	$1.9B	14
GABCGerman American Bancorp, Inc.	$1.9B	91
STBAS&T Bancorp, Inc.	$1.8B	89
OCFCOceanFirst Financial Corp.	$1.8B	14
LOBLive Oak Bancshares, Inc.	$1.8B	47

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Happen, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest HAPN news & analysis

Wall Street Analysts Think Happen (HAPN) Could Surge 27.9%: Read This Before Placing a Bet

Zacks Investment Research · 24 Aug 2026positive

Zacks reports that Wall Street analysts' consensus price target for Happen (HAPN) implies roughly 27.9% upside potential. The article notes that while such price-target metrics are often unreliable, an upward trend in earnings estimate revisions could point to near-term upside for the stock.

Why it matters — A HAPN watcher would care because the piece highlights how analyst sentiment and earnings estimate revisions may signal the stock's near-term direction.

Happen Bank Is Crushing SoFi This Year. Here's the Reason Why It's Still the Better Buy.

The Motley Fool · 16 Aug 2026positive

Happen Bank (formerly LendingClub) has outperformed SoFi in stock performance this year, and the article notes this relative performance is supported by financial fundamentals.

Why it matters — HAPN watchers would care because the company's stock performance and underlying financial fundamentals compare favourably against a major fintech peer this year.

Happen Bank: Full Steam Ahead As Net Interest Income Soars

Seeking Alpha · 28 July 2026positive

Seeking Alpha highlighted Happen Bank (formerly LendingClub) as a compelling mid-cap growth opportunity following its successful rebrand and transition to a full-scale digital bank, noting a strong Q2 beat-and-raise that underscored operational momentum.

Why it matters — HAPN watchers would care because the company delivered a strong quarterly beat-and-raise and is positioned for differentiated growth uncorrelated to the AI infrastructure cycle.

Happen, Inc. (HAPN) Q2 2026 Earnings Call Transcript

Seeking Alpha · 28 July 2026neutral

Happen, Inc. (HAPN) released its Q2 2026 earnings call transcript, which was published on Seeking Alpha.

Why it matters — Earnings call transcripts provide detailed insights into the company's quarterly performance and management's outlook, which investors use to assess HAPN's financial health.

Happen's Digital Banking Push Helps Deposits Jump 18%

PYMNTS · 27 July 2026positive

Happen's push into digital banking helped deposits increase 18%. The bank ended the quarter with $10 of deposits.

Why it matters — HAPN watchers would care because deposit growth is a key indicator of success in Happen's transition to a full-scale digital bank.

FAQ

Frequently asked questions about HAPN stock

What is the HAPN stock price forecast for 2026-2027?

The 9 Wall Street analysts covering Happen, Inc. have a median 12-month price target of $25, with estimates ranging from $22 to $29. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is HAPN stock a buy right now?

Of the 9 analysts covering Happen, Inc., 9 rate it a Buy, 0 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Happen, Inc. 76 out of 100 across roughly 4,600 US stocks as at 12 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank HAPN?

As at 12 Sept 2026, Happen, Inc. ranks 76 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Quality (92 of 100).

Will HAPN stock go up?

No one can know that. What the data says: the median 12-month target from 9 analysts implies +48.8% from the last close, and Ticker Nerd's factor model ranks Happen, Inc. 76 out of 100 as at 12 Sept 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the HAPN stock forecast for 2030?

No analyst covering Happen, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for HAPN are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $22 to $29 over the next 12 months.

How has HAPN stock performed over the past year?

Happen, Inc. returned +0.4% over the 12 months to 11 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Happen, Inc. do?

Happen, Inc. Common Stock represents the equity of Happen, Inc., a U.S.

What is the latest news on HAPN?

The most recent item we track (Zacks Investment Research, 24 Aug 2026): "Wall Street Analysts Think Happen (HAPN) Could Surge 27.9%: Read This Before Placing a Bet". Zacks reports that Wall Street analysts' consensus price target for Happen (HAPN) implies roughly 27.9% upside potential. The article notes that while such price-target metrics are often unreliable, an upward trend in earnings estimate revisions could point to near-term upside for the stock.

Company

About Happen, Inc.

Happen, Inc. Common Stock represents the equity of Happen, Inc., a U.S. financial services company that operates as a bank holding company. Happen, Inc. provides deposit products such as savings and checking accounts and certificates of deposit, alongside consumer lending solutions including personal loans, credit card refinancing, debt consolidation, auto refinance, and financing for major purchases and everyday expenses. The company also serves small businesses through commercial lending products, including small business and SBA loans, while operating a lending marketplace platform that connects borrowers with funding opportunities. Happen, Inc. focuses on individual consumers and small businesses, combining banking, lending, and technology-driven financial services within a single platform. Headquartered in San Francisco, California, the company is positioned in the regional banking and digital lending market, where it plays a role in deposit gathering, loan origination, and marketplace-based credit distribution.

CEO Mr. Scott C. Sanborn · 1,075 employees · United States · https://www.happen.com