Happen, Inc. (HAPN): one to watch?

Not really a "crashed" stock — it's LendingClub freshly rebranded as Happen Bank, profitable and growing, but current price already reflects recent optimism.

👀 WATCH Fundamentals76/100

Down 85% from its all-time high of $128.70 — now $19.25

Why HAPN dropped

The "-85% from a 2014 all-time high" is a red herring: HAPN is the new ticker for LendingClub Corporation, which rebranded to Happen, Inc. in June 2026 after years of rebuilding as a chartered digital bank — the 2014 high predates a 2016 scandal and total business overhaul, so comparing today's price to that peak is meaningless.

Fwd P/E 8.3Op margin 20.0%Rev growth 12.5%Debt/equity 0.8%Analyst upside 25.3%

How this scored 76/100

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

✅ Makes money Net profit margin 12.8%

✅ Generates cash Free cash flow $285M

✅ Not drowning in debt Debt/equity 0.8% — 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? 15/25

Operating margin 20.0% 7/9

Net profit margin 12.8% 5/8

Return on equity 12.2% 3/8

Growth Is it getting bigger, or dying? 21/25

Revenue growth 12.5% 5/9

Earnings growth 340.0% 8/8

Expected profit change 54.6% 8/8

Value Is it cheap right now? 15/25

Forward P/E 8.3 10/10

PEG ratio unknown 2/8

Analyst target upside 25.3% 3/7

Balance sheet Will it survive? 25/25

Debt / equity 0.8% 10/10

Current ratio 2.8 8/8

Free cash flow $285M 7/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-07-22. Research only — not financial advice.