HAPN (HAPN): a potential bargain?

Buy — this is LendingClub reborn as a profitable digital bank, growing fast and cheap, with no bad news behind the recent dip.

🔥 HOT Fundamentals78/100

Down 87% from its all-time high of $128.70 — now $17.36

Why HAPN dropped

HAPN is the renamed LendingClub (Happen, Inc.), whose stock cratered from a 2014 all-time high years ago after a major 2016 loan-falsification/CEO-resignation scandal — that crash is ancient history, not today's story. The recent -17% pullback from its 30-day high appears to be normal volatility (a small, routine CEO stock sale is the only news found) rather than any fresh negative catalyst.

Fwd P/E 7.4Op margin 21.4%Rev growth 6.5%Debt/equity 0.7%Analyst upside 42.7%

How this scored 78/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 14.0%

✅ Generates cash Free cash flow $1.2B

✅ Not drowning in debt Debt/equity 0.7% — exempt (banks run on leverage by design)

✅ Can pay its bills Exempt (financials)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 17/25

Operating margin 21.4% 8/9

Net profit margin 14.0% 6/8

Return on equity 13.2% 3/8

Growth Is it getting bigger, or dying? 19/25

Revenue growth 6.5% 3/9

Earnings growth 51.5% 8/8

Expected profit change 35.4% 8/8

Value Is it cheap right now? 17/25

Forward P/E 7.4 10/10

PEG ratio unknown 2/8

Analyst target upside 42.7% 5/7

Balance sheet Will it survive? 25/25

Debt / equity 0.7% 10/10

Current ratio 3.5 8/8

Free cash flow $1.2B 7/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-09-03. Research only — not financial advice.