Which Is a Better Investment, Dave Inc. or Happen, Inc. Stock?
Learn more about whether Dave Inc. or Happen, Inc. is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Jenna Brashear
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COMPANY SUMMARY
Happen, Inc. operates as a bank holding company that provides financial and lending services in the United States. The company offers deposit products, including savings accounts, checking accounts, money market accounts, and certificates of deposit; consumer loan products, such as unsecured loans, fixed-rate and fixed-term consumer loans, major purchase finance, and auto refinance; personal loans for credit card refinancing and debt consolidation; financing for health and wellness; and balance transfer, credit card and debt consolidation, emergency, funeral, home improvement, moving, small, and wedding loans. It also provides commercial lending, including small business and SBA loans. In addition, the company operates a lending marketplace platform. It serves individual consumers and small businesses. The company was formerly known as LendingClub Corporation and changed its name to Happen, Inc. in June 2026. Happen, Inc. was incorporated in 2006 and is headquartered in San Francisco, California.
Commentary & Analysis
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Financial Summary
| Share Statistics | HAPN | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $2,073.9 | $1,213.4 | 54% |
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| Shares Out (Mil) | 117.3 | 36.6 | 65% |
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| Institutional Ownership | 96.4% | 78.3% | 70% |
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| Float (Mil) | 111.5 | 32.9 | 63% |
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| Beta | 1.94 | 1.02 | 92% |
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| Avg Daily Volume (000s) | 1,060 | 450 | 71% |
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| Price Change (52-week) |
18.1% | 80.0% | 60% |
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| Growth | HAPN | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 23.3% | 8.6% | 85% |
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| Net Income (5yr) | 22.2% | 14.1% | 76% |
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| EPS (5yr) | 20.7% | 15.9% | 69 |
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| Dividends (5yr) | 0.0% | 0.0% | 0% |
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| Cash Flow (5yr) | (17.7%) | (2.8%) | 39% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 7 | 7 | 7 | |
| Current EPS | $0.461 | $1.856 | $2.343 | |
| Month Ago EPS | $0.443 | $1.748 | $2.319 | |
| # Rev Up | 1 | 0 | 0 | |
| # Rev Down | 0 | 1 | 1 | |
| Three Months Ago EPS | $0.443 | $1.743 | $2.300 | |
| Year/Year Chg | (7.8%) | 60.0% | 158.6% | |
| Financials | HAPN | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $1,394 | $1,268 | 55% |
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| Net Income (TTM) (Mil) | $196 | $154 | 68% |
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| EPS (TTM) | $1.697 | $1.700 | 68% |
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| Operating Cash Flow (TTM) (Mil) | ($2,867) | $247 | 1% |
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| Net Cash Flow (TTM) (Mil) | $154 | $2 | 81% |
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| Long-Term Debt (Q1) (Mil) | $9 | $963 | 27% |
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| Enterprise Value (Q1) (Mil) | $1,308 | $1,294 | 44% |
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| Valuation | HAPN | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.32 | 1.32 | 33% |
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| P/E | 10.8 | 10.0 | 20% |
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| Dividend Yield | 0.0% | 0.0% | 0% |
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| PEG (5yr hist) | 0.5 | 0.5 | 26% |
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| Ratios | HAPN | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 42.1% | 75.8% | 52% |
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| Net Margin | 14.0% | 14.6% | 71% |
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| ROA | 1.7% | 2.8% | 53% |
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| ROE | 13.2% | 14.4% | 66% |
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| Liabilities to Assets | 87.5% | 78.5% | 81% |
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| F-Score | 4 | 5 | 34% |
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Happen, Inc. did not pass any screens on 8/20/2026.
