The 8 Wall Street analysts covering Happen, Inc. hold a median 12-month price target of $25 — +63.1% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 73 of 100 as at 8 Oct 2026 — in the upper half. Here, the model and the Street point the same way.
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.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Quality (91): 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.
The bullish and bearish analyst opinions on HAPN, reported as data — targets and ratings, the market's view beside the model's.
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
The green dot is the last close — the median target sits +63.1% from it.
| 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.
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.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 8 Oct 2026, Happen, Inc. returned −2.7% against +16.2% for the S&P 500, dividends included.
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Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 60% of US stocks
Cheaper than 63% of US stocks
Cheaper than 68% of US stocks
Cheaper than 56% of US stocks
Higher than 43% of US stocks
Higher than 75% of US stocks
Higher than 81% of US stocks
Higher than 76% of US stocks
Higher than 71% of US stocks
Higher than 54% of US stocks
Higher than 1% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
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 $1.7B and an enterprise value of $870.1M.
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.
Trailing P/E: 9.1×; forward P/E: 6.4× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 0.00%, paying out 0% of earnings.
Happen, Inc. employs 1,075 people — $975K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
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 →
Happen, Inc. said it will report third-quarter 2026 earnings after the market closes on October 28, 2026. The company will host a conference call to discuss the results at 2:00 p.m.
Why it matters — HAPN watchers can note the scheduled date and time for the company’s next earnings update and discussion.
Happen Bank, a subsidiary of Happen, Inc., announced it has surpassed $10 billion in personal loans sold through its proprietary structured loan certificates programs, HAPS and LENDR. The milestone was announced on September 30, 2026.
Why it matters — This milestone indicates meaningful growth in Happen Bank's core lending programs, which may be relevant to investors tracking the digital bank's performance within Happen, Inc.
A Zacks Investment Research piece highlights unusual movements in the options market for Happen (HAPN) stock, suggesting that option traders' activity may warrant closer investor attention. The article indicates these options-market movements could point to something not yet widely known about the stock.
Why it matters — HAPN watchers would care because options-market activity can sometimes signal informed sentiment or upcoming developments in the stock before broader attention.
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 (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.
The 8 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.
Of the 8 analysts covering Happen, Inc., 8 rate it a Buy, 0 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Happen, Inc. 73 out of 100 across roughly 4,600 US stocks as at 8 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 8 Oct 2026, Happen, Inc. ranks 73 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).
No one can know that. What the data says: the median 12-month target from 8 analysts implies +63.1% from the last close, and Ticker Nerd's factor model ranks Happen, Inc. 73 out of 100 as at 8 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
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.
Happen, Inc. returned -2.7% over the 12 months to 8 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
Happen, Inc. Common Stock represents the equity of Happen, Inc., a U.S.
The most recent item we track (PRNewsWire, 6 Oct 2026): "Happen, Inc. Schedules Third Quarter 2026 Earnings Release and Conference Call". Happen, Inc. said it will report third-quarter 2026 earnings after the market closes on October 28, 2026. The company will host a conference call to discuss the results at 2:00 p.m.
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
