HAPPEN INC (HAPN)
Financials · Online consumer lending / fintech banking · NASDAQ
LendingClub is a fintech lender and bank that originates and securitizes personal loans, auto loans, and small business credit through an online marketplace and third-party issuing partners.
What HAPPEN INC does
LendingClub is a financial services company that originates and facilitates unsecured consumer loans, secured auto loans, and small business loans through its online platforms and third-party issuing banks. The company operates a marketplace where borrowers access credit products including personal loans, purchase finance loans for home improvement and education, and auto loans, while investors can purchase loan securities. LendingClub Bank, a national association subsidiary, operates as a depository institution subject to federal banking regulation and supervision.
Themes: ["Consumer lending / personal loans","Auto lending","Small business lending","Loan securitization","Banking regulation and compliance","Alternative finance / fintech lending"]
Fundamentals
- Price$20.10 as of 2026-07-09 close
- Market cap$2.2B as of 2026-07-10
- 1-year return+7.9% as of 2026-07-09 close
- P/E12.34 as of 2026-07-10
- Net margin+15.8% as of 2026-07-10
- Gross margin+70.9% as of 2026-07-10
- ROE+11.9% as of 2026-07-10
- Debt / equity6.72 as of 2026-07-10
- Revenue growth (YoY)-28.9% as of 2026-07-10
- Revenue CAGR (3y)-18.2% SEC XBRL
- Beta1.10 as of 2026-07-10
Dividend: pays a dividend.
Key risks (from latest filing)
["Regulatory and supervisory oversight by FRB, OCC, and CFPB with extensive authority to impose capital requirements, restrict products, or mandate remedial actions, creating compliance burden and limiting business expansion","Proposed interest rate caps on credit cards (and potential extension to personal loans) by the current presidential administration could materially reduce borrower demand and business viability","Rapid changes in legal, regulatory, and political environment, including shifts in agency leadership and priorities, could result in adverse interpretations of rules, enforcement actions, or restrictions on lending activities"]
Competitors & peers
- Upstart Holdings (UPST)
- SoFi / Social Finance (SOFI)
- Affirm (AFRM)
- Prosper (private)
- Earnest (private)
- Traditional banks (consumer lending divisions)
- Credit Karma (TurboTax / Intuit division)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.