Happen Inc. (LC) | Rumor.io

Happen

Attention (50-day avg)0%

Attention rank (50-day avg)#3,099

Bullish sentiment (50-day avg)98%

Price to earnings ratio12.8

Market capitalization1.7B

Earnings per share1.5

Dividend yield (TTM)—

Revenue (annual)998.8M

Net income (annual)135.7M

Social

What share of all stock conversation is about LC?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y	50-Day MAclick to plot	200-Day MAclick to plot
Attention	0% new	0% +0	0% 0	0% 0

Apr 29

LendingClub Corporation's Q1 2026 earnings reported record-breaking profits and ROTCE of 14.5%, with loan composition increasing 31% year-over-year to $2.67 billion.
The company's credit performance has been superior to other fintechs, with its credit quality being a key factor in its success.
LendingClub's revenue growth of 16% outpaced SOFI's 41% growth, with the company's management expressing confidence in its ability to grow more aggressively in the future.

Generated by AI

Sentiment

Of the messages about LC that take a side, what share is each?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y	50-Day MAclick to plot	200-Day MAclick to plot
Bullish	—	—	100% 0	70.51% -5.57
Bearish	—	—	0% 0	29.49% +5.57

Bullish· Apr 28

LendingClub Corporation (LC) reported a double beat in Q1, with EPS at $0.44 ($0.36 exp) and revenue at $252.3M ($249M exp).
Jefferies upgraded LendingClub's price target to $24.00 (from $20.00), maintaining a "Buy" rating, with a positive outlook for the company's future growth.
LendingClub's Q1 earnings beat expectations, with record profitability and strong loan growth, driven by AI automation and a 31% year-over-year increase in loan originations.

Bearish· Apr 28

The market is likely to pull back in anticipation of a new Fed, potentially leading to a decrease in stock price.
LendingClub's earnings were not as strong as they appear, with the company using accounting gimmicks to boost net income.
The stock's leadership is incompetent, and the company's poor performance is likely to continue unless there is a change in leadership.

Generated by AI

Topics

Of the messages about LC that carry a topic, what share is each?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y
Earnings	—	—	—	14.54%
Macro	—	—	—	26.62%
Analysts	—	—	—	18.53%
Announcements	—	—	—	34.74%
Controversies	—	—	—	0%
Technical Analysis	—	—	—	5.56%

Earnings· Jul 30

LendingClub Corporation ($LC) reported Q2 2025 earnings, exceeding expectations with revenue up 33% to $248.4M and net income soaring 156% to $38.2M.
The company's originations jumped 32% YoY to $2.4B, with strong credit performance and improved non-cash charges (NCOs).
LendingClub's Q3 guidance was raised, with expected originations of $2.5B-$2.6B and pre-provision net revenue of $90M-$100M.

Analysts· Aug 3

LendingClub Corporation (LC) has received upgrades from multiple analysts, including Oppenheimer, CIBC, and UBS AG, with ratings changed to Outperform or Buy.
Analysts Jed Kelly from Oppenheimer and others believe LC deserves more credit and have upgraded their ratings, citing potential for growth.
The upgrades from Oppenheimer, CIBC, and UBS AG suggest increased confidence in LC's financial performance and potential for future growth.

Announcements· Apr 29

LendingClub Corporation's Q1 results showed a 10% increase in total revenue and a 40% increase in net income.
The company's gross profit, EBITDA, and operating income also saw significant quarterly increases of 16%, 39%, and 40%, respectively.
LendingClub's valuation metrics include an NTM EV/S of 0.7x, EV/EBITDA of 2.6x, and P/E of 12.7x.

Controversies· Apr 25

LendingClub Corporation (LC) was sued by a federal regulator for allegedly charging hidden fees, with shares dropping 8% in response.
The Federal Trade Commission (FTC) charged LendingClub with deceptive practices, including making improper withdrawals and deceiving customers about fees, leading to a 14% drop in shares.
LendingClub's stock fell 15% after the FTC filed a complaint alleging the company charged customers hidden loan fees, with some investors considering pulling their funds from the company.

Macro· Nov 23

Interest rate hikes are expected to increase default rates, but SoFi manages exposure risk through higher interest rates on personal loans, borrower income and FICO scores, and forward-looking metrics.
SoFi's borrowers have a weighted average income of $164,000 and FICO score of 747, with a hard cut-off FICO of 680, making them safer than peers like Upstart and LendingClub.
94% of economists expect interest rate cuts in 2024, which could mitigate the impact of default rate increases.

Technical Analysis· Oct 28

$LC is forming a cup and handle pattern, potentially breaking out to $44.
A head and shoulders pattern has been confirmed, indicating a retreat is incoming.
The stock is nearing a breakout, but if it dips below $40, a sharp fall is expected.

Generated by AI

Community

Of the messages about LC, what share comes from each group?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y	50-Day MAclick to plot	200-Day MAclick to plot
Regulars	0%	0%	62.5%	49.63%
Newcomers	100%	100%	37.5%	50.37%

Regulars· Oct 23

The regulars are focusing on LendingClub's earnings, with some mentioning that the company's Q3 results exceeded expectations.
The stock is showing a potential breakout pattern, with a "cup and handle" formation, and some are optimistic about its potential to hold above $18.
LendingClub's deposits and profits are growing, according to recent reports, and the company's shares are surging as a result, with some analysts revising their price targets upwards.

Newcomers· Apr 28

LendingClub reported a double beat in Q1, with EPS of $0.44 beating the estimate of $0.36 and revenue of $252.3M beating the estimate of $249M.
The company's Q1 2026 earnings call highlighted robust financial performance and strategic advancements, with significant year-on-year growth in loan originations and pre-tax earnings.
LendingClub's strong Q1 earnings could be a positive sign for stocks like SoFi, with the company's loan growth and profitability beating expectations.

Generated by AI

News

This fintech turned bank is winning with AI-powered lending and the right customers

The company's bank charter gives it access to low-cost deposits, allowing it to fund loans more efficiently and expand into other financial products.

1mo agoCNBC

LendingClub Q2 Earnings Call Highlights

Happen Inc. reported second-quarter results marked by higher loan originations, record pre-tax income and continued credit outperformance, while also outlining plans to expand its product set and newly launched Happen Bank brand. Chief Executive Officer Scott Sanborn said loan originations increase

2mo agoYahoo Finance

Happen Bank review (2026): A top-rated online bank with high yields and low fees

Happen Bank offers low-cost online banking for individuals and businesses. Learn more about Happen Bank's interest rates, fees, account options, and more with this in-depth expert review.

2mo agoYahoo Finance

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

2mo agoMorningstar

Also Discussed

Investors talking about LC also mention

#	Name	Attention
1	LendingTree Inc.TREE	0%-0.01
2	Upstart Holdings, Inc.UPST	0.01%0
3	Pagaya Technologies Ltd. Class A Ordinary SharesPGY	0%+0
4	Yiren Digital Ltd. Sponsored ADRYRD	0%+0
5	OppFi Inc.OPFI	0%-0.01
6	Affirm Holdings, Inc.AFRM	0%-0.03
7	SoFi Technologies, Inc.SOFI	3.03%+2.03
8	Box IncBOX	0%0
9	ePlus Inc.PLUS	0%0
10	ML - MoneyLion Inc.	——

Happen Inc.

Financial Services
Banks - Regional

Happen Inc. is a U.S. digital marketplace bank that provides a broad range of consumer and business financial services. The company focuses on higher-credit-quality, higher-income borrowers who actively manage their financial lives, offering products such as personal loans, auto refinancing, business financing solutions, personal banking services, and institutional investing capabilities. Its business model is built around advanced credit underwriting and a proprietary technology platform that supports efficient loan origination, risk assessment, and distribution. Happen Inc. operates through distinct segments, including a banking arm that offers loans, leases, deposits, and related financial solutions, and a parent company segment that functions as the holding entity for the group. In today’s financial markets, Happen Inc. plays the role of a technology-enabled intermediary, connecting borrowers and capital providers through a marketplace bank structure that generates revenue from loan sales, net interest income, and fee-based services. Headquartered in San Francisco, California, it serves consumers and enterprises across the United States.

Website

Location

88 Kearny Street

San Francisco, CA, 94108

United States

Social

What share of all stock conversation is about LC?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y	50-Day MAclick to plot	200-Day MAclick to plot
Attention	0% new	0% +0	0% 0	0% 0

Apr 29

LendingClub Corporation's Q1 2026 earnings reported record-breaking profits and ROTCE of 14.5%, with loan composition increasing 31% year-over-year to $2.67 billion.
The company's credit performance has been superior to other fintechs, with its credit quality being a key factor in its success.
LendingClub's revenue growth of 16% outpaced SOFI's 41% growth, with the company's management expressing confidence in its ability to grow more aggressively in the future.

Generated by AI

Sentiment

Of the messages about LC that take a side, what share is each?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y	50-Day MAclick to plot	200-Day MAclick to plot
Bullish	—	—	100% 0	70.51% -5.57
Bearish	—	—	0% 0	29.49% +5.57

Bullish· Apr 28

LendingClub Corporation (LC) reported a double beat in Q1, with EPS at $0.44 ($0.36 exp) and revenue at $252.3M ($249M exp).
Jefferies upgraded LendingClub's price target to $24.00 (from $20.00), maintaining a "Buy" rating, with a positive outlook for the company's future growth.
LendingClub's Q1 earnings beat expectations, with record profitability and strong loan growth, driven by AI automation and a 31% year-over-year increase in loan originations.

Bearish· Apr 28

The market is likely to pull back in anticipation of a new Fed, potentially leading to a decrease in stock price.
LendingClub's earnings were not as strong as they appear, with the company using accounting gimmicks to boost net income.
The stock's leadership is incompetent, and the company's poor performance is likely to continue unless there is a change in leadership.

Generated by AI

Topics

Of the messages about LC that carry a topic, what share is each?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y
Earnings	—	—	—	14.54%
Macro	—	—	—	26.62%
Analysts	—	—	—	18.53%
Announcements	—	—	—	34.74%
Controversies	—	—	—	0%
Technical Analysis	—	—	—	5.56%

Earnings· Jul 30

LendingClub Corporation ($LC) reported Q2 2025 earnings, exceeding expectations with revenue up 33% to $248.4M and net income soaring 156% to $38.2M.
The company's originations jumped 32% YoY to $2.4B, with strong credit performance and improved non-cash charges (NCOs).
LendingClub's Q3 guidance was raised, with expected originations of $2.5B-$2.6B and pre-provision net revenue of $90M-$100M.

Analysts· Aug 3

LendingClub Corporation (LC) has received upgrades from multiple analysts, including Oppenheimer, CIBC, and UBS AG, with ratings changed to Outperform or Buy.
Analysts Jed Kelly from Oppenheimer and others believe LC deserves more credit and have upgraded their ratings, citing potential for growth.
The upgrades from Oppenheimer, CIBC, and UBS AG suggest increased confidence in LC's financial performance and potential for future growth.

Announcements· Apr 29

LendingClub Corporation's Q1 results showed a 10% increase in total revenue and a 40% increase in net income.
The company's gross profit, EBITDA, and operating income also saw significant quarterly increases of 16%, 39%, and 40%, respectively.
LendingClub's valuation metrics include an NTM EV/S of 0.7x, EV/EBITDA of 2.6x, and P/E of 12.7x.

Controversies· Apr 25

LendingClub Corporation (LC) was sued by a federal regulator for allegedly charging hidden fees, with shares dropping 8% in response.
The Federal Trade Commission (FTC) charged LendingClub with deceptive practices, including making improper withdrawals and deceiving customers about fees, leading to a 14% drop in shares.
LendingClub's stock fell 15% after the FTC filed a complaint alleging the company charged customers hidden loan fees, with some investors considering pulling their funds from the company.

Macro· Nov 23

Interest rate hikes are expected to increase default rates, but SoFi manages exposure risk through higher interest rates on personal loans, borrower income and FICO scores, and forward-looking metrics.
SoFi's borrowers have a weighted average income of $164,000 and FICO score of 747, with a hard cut-off FICO of 680, making them safer than peers like Upstart and LendingClub.
94% of economists expect interest rate cuts in 2024, which could mitigate the impact of default rate increases.

Technical Analysis· Oct 28

$LC is forming a cup and handle pattern, potentially breaking out to $44.
A head and shoulders pattern has been confirmed, indicating a retreat is incoming.
The stock is nearing a breakout, but if it dips below $40, a sharp fall is expected.

Generated by AI

Community

Of the messages about LC, what share comes from each group?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y	50-Day MAclick to plot	200-Day MAclick to plot
Regulars	0%	0%	62.5%	49.63%
Newcomers	100%	100%	37.5%	50.37%

Regulars· Oct 23

The regulars are focusing on LendingClub's earnings, with some mentioning that the company's Q3 results exceeded expectations.
The stock is showing a potential breakout pattern, with a "cup and handle" formation, and some are optimistic about its potential to hold above $18.
LendingClub's deposits and profits are growing, according to recent reports, and the company's shares are surging as a result, with some analysts revising their price targets upwards.

Newcomers· Apr 28

LendingClub reported a double beat in Q1, with EPS of $0.44 beating the estimate of $0.36 and revenue of $252.3M beating the estimate of $249M.
The company's Q1 2026 earnings call highlighted robust financial performance and strategic advancements, with significant year-on-year growth in loan originations and pre-tax earnings.
LendingClub's strong Q1 earnings could be a positive sign for stocks like SoFi, with the company's loan growth and profitability beating expectations.

Generated by AI

Happen

Social

Apr 29

Bullish· Apr 28

Bearish· Apr 28

Earnings· Jul 30

Analysts· Aug 3

Announcements· Apr 29

Controversies· Apr 25

Macro· Nov 23

Technical Analysis· Oct 28

Regulars· Oct 23

Newcomers· Apr 28

This fintech turned bank is winning with AI-powered lending and the right customers

LendingClub Q2 Earnings Call Highlights

Happen Bank review (2026): A top-rated online bank with high yields and low fees

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

Also Discussed

Happen Inc.

Company Information

Location

This fintech turned bank is winning with AI-powered lending and the right customers

LendingClub Q2 Earnings Call Highlights

Happen Bank review (2026): A top-rated online bank with high yields and low fees

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

Also Discussed

Social

Apr 29

Bullish· Apr 28

Bearish· Apr 28

Earnings· Jul 30

Analysts· Aug 3

Announcements· Apr 29

Controversies· Apr 25

Macro· Nov 23

Technical Analysis· Oct 28

Regulars· Oct 23

Newcomers· Apr 28