HAPNFinancial Services · Banks - Regional

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

Last close, 3 Aug 2026

$20

+6.79% on the day

The 9 Wall Street analysts covering Happen, Inc. hold a median 12-month price target of $25 — +22.3% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 83 of 100 as at 1 Aug 2026 — inside the top quartile. Here, the model and the Street point the same way.

Market cap

$2.2B

Ticker Nerd rank

83 / 100

Median analyst target

$25

Analysts covering

Total return, dividends reinvested

+9.0%

+3.8%

YTD

+7.9%

+31.1%

From 52W high

−5.3%

From 52W low

+53.5%

$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 1 Aug 2026

83 / 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

Growth

Momentum

Value

Issuance

Size

Accruals

Volatility

Quality (91): The business earns solid, repeatable profits on what it owns.

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

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

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.

What Wall Street says9 analysts

9 Buy0 Hold0 Sell

Low $22Median $25High $29

The green dot is the last close — the median target sits +22.3% 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.

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

+2.2%

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: 11.5×
Price / sales: 1.6×
Price / book: 1.5×
EV / EBITDA: 4.1×

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.

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.	$2.2B	83
SRCE1st Source Corp.	$2.2B	92
FCFFirst Commonwealth Financial Corp. (Pennsylvania)	$2.2B	87
NWBINorthwest Bancshares, Inc. (Pennsylvania)	$2.3B	53
OFGOFG Bancorp	$2.3B	98
CHCOCity Holding Co.	$2.1B	81
BLXBladex, Inc.	$2.1B	38

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.

News

Latest HAPN news & analysis

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.

Happen (HAPN) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Zacks Investment Research · 27 July 2026neutral

The article reports that Happen (HAPN) released its Q2 2026 earnings, with revenue and EPS figures now being compared against Wall Street estimates and the prior year's results.

Why it matters — A HAPN watcher would care because comparing key Q2 metrics to estimates and year-ago numbers helps gauge the company's recent financial performance and market expectations.

Happen (HAPN) Surpasses Q2 Earnings and Revenue Estimates

Zacks Investment Research · 27 July 2026positive

Happen (HAPN) reported Q2 earnings of $0.5 per share, exceeding the Zacks Consensus Estimate of $0.42 per share, and up from $0.33 per share in the same quarter last year.

Why it matters — The company beat analyst expectations and showed year-over-year earnings growth, indicating stronger-than-anticipated quarterly performance.

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. 83 out of 100 across roughly 4,600 US stocks as at 1 Aug 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank HAPN?

As at 1 Aug 2026, Happen, Inc. ranks 83 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 (91 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 +22.3% from the last close, and Ticker Nerd's factor model ranks Happen, Inc. 83 out of 100 as at 1 Aug 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 +31.1% over the 12 months to 3 Aug 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Happen, Inc. do?

Happen Inc. is a U.S.

What is the latest news on HAPN?

The most recent item we track (Seeking Alpha, 28 July 2026): "Happen Bank: Full Steam Ahead As Net Interest Income Soars". 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.

Company

About Happen, Inc.

Happen Inc. is a U.S. digital marketplace bank that provides a broad range of consumer and business financial services. The company focuses on higher-credit-quality, higher-income borrowers who actively manage their financial lives, offering products such as personal loans, auto refinancing, business financing solutions, personal banking services, and institutional investing capabilities. Its business model is built around advanced credit underwriting and a proprietary technology platform that supports efficient loan origination, risk assessment, and distribution. Happen Inc. operates through distinct segments, including a banking arm that offers loans, leases, deposits, and related financial solutions, and a parent company segment that functions as the holding entity for the group. In today’s financial markets, Happen Inc. plays the role of a technology-enabled intermediary, connecting borrowers and capital providers through a marketplace bank structure that generates revenue from loan sales, net interest income, and fee-based services. Headquartered in San Francisco, California, it serves consumers and enterprises across the United States.

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