HAPNFinancial Services · Banks - Regional

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

Last close, 30 Oct 2026

$16

−3.18% on the day

The 8 Wall Street analysts covering Happen, Inc. hold a median 12-month price target of $25 — +57.8% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 71 of 100 as at 31 Oct 2026 — in the upper half. Here, the model and the Street point the same way.

Market cap

$1.8B

Ticker Nerd rank

71/ 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

+10.2%

+5.1%

YTD

−18.0%

−7.8%

From 52W high

−28.0%

From 52W low

+16.6%

$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 31 Oct 2026

71/ 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

Value

Growth

Revisions

Issuance

Momentum

Size

Accruals

Volatility

Quality (93): 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 systematic trader with 15+ 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 says8 analysts

8 Buy0 Hold0 Sell

Low $20Median $25High $29

The green dot is the last close — the median target sits +57.8% from it.

Recent analyst actionsNewest first

Of the 7 most recent actions, 2 moved their price target up and 1 moved it down.

Date	Firm	Action	Rating	Target
29 Oct 2026	Piper Sandler	Maintains	Overweight	$25 → $20
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.

HAPN appears in the Radar on the weeks it earns a place.

Market Radar, every Monday: the week's biggest rank moves across ~4,600 US stocks, and the reason for each.
The AI build-out map, free: every AI company we track, part by part, and one part in full with each verdict.

The AI build-out map

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AI networking and serversIn full
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Data centre power
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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 30 Oct 2026, Happen, Inc. returned −7.8% against +12.4% 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 movingThis fiscal year

EPS revision, 90 days

+5.6%

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: 8.7×
Price / sales: 1.3×
Price / book: 1.1×
EV / EBITDA: 2.4×

Growth & margins

Revenue growth (YoY): 2.5%
Earnings growth (YoY): 33.9%
Gross margin: —
Operating margin: 48.0%
Net margin: 15.0%

Returns & dividend

Return on equity: 13.8%
Return on assets: 1.9%
Dividend yield: 0.0%

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 $1.8B and an enterprise value of $1.0B.
Revenue in the twelve months to 30 June 2026: $1.0B. The latest quarter grew 2.5% 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: 8.7×; forward P/E: 6.5× — 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.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 31 Oct 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.	$1.8B	71
INTRInter & Co., Inc.	$1.8B	29
DCOMDime Commercial Bancshares, Inc.	$1.8B	67
GABCGerman American Bancorp, Inc.	$1.8B	91
BYByline Bancorp, Inc.	$1.7B	92
OCFCOceanFirst Financial Corp.	$1.7B	29
STBAS&T Bancorp, Inc.	$1.9B	92

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 See a 40.27% Upside in Happen (HAPN): Can the Stock Really Move This High?

Zacks Investment Research · 30 Oct 2026positive

Zacks Investment Research reports that Wall Street analysts’ average price targets indicate a potential 40.3% upside for Happen (HAPN). It notes that the metric’s effectiveness is questionable, while positive earnings estimate revisions could translate into upside.

Why it matters — HAPN watchers may consider the analyst price-target indication alongside the caveat about its effectiveness and the reported trend in earnings estimate revisions.

Happen, Inc. (HAPN) Q3 2026 Earnings Call Transcript

Seeking Alpha · 29 Oct 2026neutral

Happen, Inc. held its third-quarter 2026 earnings conference call on October 28, 2026, with CEO Scott Sanborn and CFO Andrew LaBenne listed as company participants. The provided excerpt contains the call introduction but no financial results or management commentary.

Why it matters — HAPN watchers can note the call date and participants, but the excerpt does not provide information about the quarter's performance.

Happen (HAPN) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

Zacks Investment Research · 29 Oct 2026neutral

Zacks Investment Research notes that Happen’s Q3 revenue and EPS offer a view of its performance for the quarter ended September 2026, and highlights comparing key metrics with Wall Street estimates and year-ago figures.

Why it matters — The comparisons provide HAPN watchers additional context for assessing the quarter’s results.

Happen (HAPN) Q3 Earnings Surpass Estimates

Zacks Investment Research · 28 Oct 2026positive

Happen reported quarterly earnings of $0.50 per share, exceeding the Zacks Consensus Estimate of $0.47. Earnings were $0.37 per share in the year-ago quarter.

Why it matters — HAPN watchers may note that quarterly earnings surpassed estimates and were higher than a year earlier.

Happen, Inc. Reports Third Quarter 2026 Results

PRNewsWire · 28 Oct 2026positive

Happen reported third-quarter 2026 pre-tax income of $76.8 million, originations of $3.3 billion, and diluted EPS of $0.50. Year over year, originations grew 26% and diluted EPS rose 35%; the company also raised its diluted EPS guidance and narrowed its annual originations guidance range.

Why it matters — The results and guidance changes provide HAPN watchers with updates on earnings, origination growth, and the company’s outlook.

FAQ

Frequently asked questions about HAPN stock

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

The 8 Wall Street analysts covering Happen, Inc. have a median 12-month price target of $25, with estimates ranging from $20 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 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. 71 out of 100 across roughly 4,600 US stocks as at 31 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank HAPN?

As at 31 Oct 2026, Happen, Inc. ranks 71 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 (93 of 100).

Will HAPN stock go up?

No one can know that. What the data says: the median 12-month target from 8 analysts implies +57.8% from the last close, and Ticker Nerd's factor model ranks Happen, Inc. 71 out of 100 as at 31 Oct 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: $20 to $29 over the next 12 months.

How has HAPN stock performed over the past year?

Happen, Inc. returned -7.8% over the 12 months to 30 Oct 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, 30 Oct 2026): "Wall Street Analysts See a 40.27% Upside in Happen (HAPN): Can the Stock Really Move This High?". Zacks Investment Research reports that Wall Street analysts’ average price targets indicate a potential 40.3% upside for Happen (HAPN). It notes that the metric’s effectiveness is questionable, while positive earnings estimate revisions could translate into upside.

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