Down 3.4% today with lenders & credit stocks: 12 of 13 are down, 2.7% on average; the S&P 500 is down 0.4%.
Rose on Oct 29
Up 12% on Oct 29, and still 13% over its Oct 28 close.
HAPN's Quality Score fell 1 point on Tue, Nov 10, to 4. It closed away from its high of the day.
New listing, trading since Jun 22, 2026. 100 trading days so far, so 3 of the 14 chart checks wait for more history.
We do the work for you. Every stock is scored and ranked, every 15 seconds while the market is open. Here it's 15 minutes behind. Pro members see it live.
| Holding it back | Sales down 16% |
| Latest filing | 10-Q, Oct 29 |
TodayWith its group.
After its last 2 reports it closed +6.5% on average, higher 2 of 2 times.
Below Averagefor quality, not price, 2 of 14 chart checks firingWhat the Quality Score means
HAPN is #6 of 13 by Quality Score.
| Rank | Stock | Quality Score |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| 6 |
Net income over four quarters: HAPN $211M, FIGR $237M, CHYM $80.3M, UPST $65.1M.
Expected to report Thu Feb 4, after the close (in 86 days).
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
Revenue of $263.2M; a profit of $0.50 a share.
“Total net revenue of $263.2 million, compared to $266.2 million in the prior year, driven by the 2026 election of fair value option (FVO) accounting for all new originations.”
| Line | Q3 2026 | Q2 2026 | Q3 2025 |
|---|---|---|---|
| Financial Service | $173M | $164M | $106M |
Each quarter's sales and their share of its total. Figures as filed (SEC filing, Oct 29)
| Measure | Figure |
|---|---|
| Diluted EPS | $1.87 to $1.92 |
“Provision benefit of $15.9 million, compared to an expense of $46.3 million in the prior year, due to strong credit performance and the 2026 election of FVO accounting for all new originations.”
From its results filing (SEC filing · Oct 28)
Sales grew 26% a year over 5 years, fiscal 2020 to 2025.
Its share count grew 4.1% a year over 3 years.
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Oct 28, 2026 | +4.8% | +11.8% | +16.4% |
| Jul 27, 2026 | +4.3% | +1.1% | +9.0% |
Sales grew in three of the last six years, to $999M in 2025. It made a profit in five of the seven years.
RSI 52.0, MACD above signal. Not scored.
Officers and directors with a Form 4 in the last 12 months.
In ETFs: HAPN is under 0.1% of VTI, the most of the 24 funds Breakaway covers, by their holdings as filed for Jun 30, 2026.
Happen Inc is a U.S. digital marketplace bank focused on the Motivated Middle - high FICO, high-income borrowers actively managing their financial lives. The bank's success is fueled by evolved credit underwriting, a proprietary technology platform, and a marketplace bank model that generates compelling revenue through loan sales, net interest income, and fee-based services.
“The financial services industry is highly competitive and rapidly changing.”
HAPN scores 4 today, which Breakaway calls Below Average. It is #6 of 13 in Lenders & Credit by Quality Score, with 2 of 14 chart checks firing. Up 12% on Oct 29, and still 13% over its Oct 28 close. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
HAPN scores 4 today, which Breakaway calls Below Average (0 to 5). That is #6 of 13 in Lenders & Credit by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind HAPN's 4.
Expected to report Thu Feb 4, after the close, a date Breakaway expects from the company's usual timing; the company has not confirmed it. HAPN closed higher after 2 of its last 2 reports. Past behavior, not a forecast.
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Insider and Congress trades, the chart, and the financials, in one score.
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