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

Happen, Inc. ( HAPN ) Q3 2026 Earnings Call October 28, 2026 5:00 PM EDT Company Participants Sam Hudson Scott Sanborn - CEO & Director Andrew LaBenne - Chief Financial Officer Conference Call Participants William Ryan - Seaport Research Partners Timothy Switzer - Keefe, Bruyette, & Woods, Inc., Research Division Kyle Joseph - Stephens Inc., Research Division John Hecht - Jefferies LLC, Research Division Giuliano Anderes-Bologna - Compass Point Research & Trading, LLC, Research Division Crispin Love - Piper Sandler & Co., Research Division David Scharf - Citizens JMP Securities, LLC, Research Division Presentation Operator Ladies and gentlemen, thank you for joining us, and welcome to Happen, Inc.'s Third Quarter 2026 Earnings Conference Call. [Operator Instructions] I will now hand the conference over to Sam Hudson, Head of Investor Relations.

Seeking Alpha • 21 hours ago

Happen, Inc. Reports Third Quarter 2026 Results

Record $76.8 Million Pre-Tax Income, 15.0% ROE, and 15.8% ROTCE Grew Originations 26% Year-over-Year, Increased Diluted EPS 35% Year-over-Year to $0.50 Raising Diluted EPS and Narrowing Originations Annual Guidance Ranges SAN FRANCISCO, Oct. 28, 2026 /PRNewswire/ -- Happen, Inc. (Nasdaq: HAPN), parent company of Happen Bank, a digital bank built for the Motivated Middle, today announced financial results for the third quarter ended September 30, 2026. "We had another great quarter, effectively navigating the dynamic rate environment to deliver record pre-tax income of $76.8 million and a return on tangible common equity of 15.8%, while growing originations 26% year-over-year to $3.3 billion," said Scott Sanborn, CEO, Happen, Inc. "Our new brand is taking root, our core business is performing well, we continue to outperform on credit, marketplace demand remains strong.

PRNewsWire • Oct 28, 2026

Happen (HAPN) Q3 Earnings Surpass Estimates

Happen (HAPN) came out with quarterly earnings of $0.5 per share, beating the Zacks Consensus Estimate of $0.47 per share. This compares to earnings of $0.37 per share a year ago.

Zacks Investment Research • Oct 28, 2026

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

Although the revenue and EPS for Happen (HAPN) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Zacks Investment Research • Oct 29, 2026

Happen: Back In The Buy Zone

Happen, Inc., formerly LendingClub, trades at a limited valuation despite strong fundamentals and a bullish outlook. Market concerns over rate hikes and lending disruption have pressured HAPN, but the company continues to generate robust income and is on a path to nearly double loan originations. The fintech forecasts 2026 EPS near $2 per share, with shares currently trading around $15, highlighting a compelling risk/reward.

Seeking Alpha • Oct 10, 2026

Happen, Inc. Schedules Third Quarter 2026 Earnings Release and Conference Call

SAN FRANCISCO, Oct. 6, 2026 /PRNewswire/ -- Happen, Inc. (Nasdaq: HAPN) – formerly LendingClub Corporation – announced that it will report earnings for the third quarter of 2026 after the market closes on Wednesday, October 28, 2026. Happen, Inc. will also host a conference call to discuss the results at 2:00 p.m.

PRNewsWire • Oct 6, 2026

Happen Bank Crosses $10 Billion in Personal Loans Sold Through Its Proprietary Structured Loan Certificates Programs

SAN FRANCISCO, Sept. 30, 2026 /PRNewswire/ -- Happen Bank, a subsidiary of Happen, Inc. (Nasdaq: HAPN) and a digital bank built for the Motivated Middle, today announced that it has crossed $10 billion in personal loans sold through its proprietary structured loan certificates programs, HAPS and LENDR.

PRNewsWire • Sep 30, 2026

Do Options Traders Know Something About Happen Stock We Don't?

Investors need to pay close attention to HAPN stock based on the movements in the options market lately.

Zacks Investment Research • Sep 24, 2026

Wall Street Analysts Think Happen (HAPN) Could Surge 27.9%: Read This Before Placing a Bet

The consensus price target hints at a 27.9% upside potential for Happen (HAPN). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will witness an upside in the near term.

Zacks Investment Research • Aug 24, 2026

Happen Bank Is Crushing SoFi This Year. Here's the Reason Why It's Still the Better Buy.

Happen Bank, formerly known as LendingClub, has crushed SoFi's performance this year. The relative stock performance is backed up by financial fundamentals.

The Motley Fool • Aug 16, 2026