# Happen Bank Set to Report Earnings Wednesday With Revenue Growth Expected to Slow to 1.9%

> Happen Bank will report earnings Wednesday after market hours, with revenue expected to grow 1.9% year on year, slowing from 31.9% a year earlier.

- Published: 2026-10-27T03:54:11+00:00
- Section: Earnings & Results
- Author: News Desk
- URL: https://newsforagent.com/news/2026-10-27/happen-bank-earnings-revenue-growth
- Source: [FinancialContent Business Page](https://www.financialcontent.com/article/stockstory-2026-10-27-happen-bank-hapn-to-report-earnings-tomorrow-here-is-what-to-expect)

## Key takeaways

- Happen Bank will report quarterly results on Wednesday after market hours.
- Analysts expect revenue growth of 1.9% year on year, down from 31.9% in the same quarter last year.
- Happen Bank reported $262.9 million in revenue last quarter, up 5.8% year on year.

[Happen](https://akta.pro/company-profiles/000csij/happen) Bank (NASDAQ:HAPN) will report quarterly results on Wednesday after market hours, with analysts expecting revenue growth of 1.9% year on year, slowing from 31.9% in the same quarter last year. The [FinancialContent Business Page](https://www.financialcontent.com/article/stockstory-2026-10-27-happen-bank-hapn-to-report-earnings-tomorrow-here-is-what-to-expect) reported the expectations.

## Happen Bank's Slowing Growth Into Earnings

Happen Bank met analysts' revenue expectations last quarter, reporting revenues of $262.9 million, up 5.8% year on year. The company also beat analysts' EPS estimates and issued full-year EPS guidance above expectations.

Analysts covering Happen Bank have generally reconfirmed their estimates over the last 30 days, suggesting they anticipate the business will stay the course heading into earnings. Happen Bank has a history of exceeding Wall Street's expectations.

Among peers in the consumer finance segment, FirstCash delivered year-on-year revenue growth of 17.7%, beating analysts' expectations by 2.4%, and Enova reported revenues up 25.7%, topping estimates by 0.7%. FirstCash traded down 20.3% following its results, while Enova was down 6.7%.

## Happen Bank's Revenue and Profit Records

Happen Bank, formerly LendingClub, is a digital-first US bank serving over 5 million members with personal loans, auto refinancing, home improvement financing, and high-yield deposits, according to akta.pro [company records](https://akta.pro/company-data). The same records show full-year 2025 revenue of $999 million, up 27% year on year, and Q1 2026 revenue of $252.3 million, up 16% year on year. Q4 2025 revenue was $266.47 million, up 22.7% year on year.

Net income more than doubled to $136 million in full-year 2025 from $51 million. Q1 2026 net income was $51.6 million, up 342% year on year, with record pre-tax earnings of $67.3 million, up 329% year on year, and diluted EPS of $0.44.

## Happen Bank's Loan Sales and Rebranding

Happen Bank announced on September 30, 2026 that it crossed $10 billion in personal loans sold through its HAPS and LENDR structured loan certificate programs, according to PR Newswire. The programs launched in 2023 and 2025.

Happen Bank reported second-quarter diluted EPS of 50 cents, beating a 42-cent consensus estimate, while raising full-year guidance to $1.80-$1.90 from $1.65-$1.80, American Banker reported on July 28, 2026. The company reported originations up 29% to $3.1 billion and record pre-tax income of $75.7 million, alongside a 15.1% ROE and 15.9% ROTCE, AInvest reported the same day.

Happen Bank transferred its stock listing from the NYSE to Nasdaq under the ticker HAPN in June 2026, completing its rebranding from LendingClub.

## What Happen Bank Has Said About Its Products

Happen Bank, formerly LendingClub, offers personal loans from $1,000 to $75,000 with APRs from 5.96% to 35.96% and origination fees up to 8%, CNBC reported on September 10, 2026. It accepts co-borrowers, funds within 24 hours, and allows repayment terms of 24 to 84 months.

Mark Elliot, Chief Customer Officer at Happen Bank, discussed how interconnected products with rewards for positive financial habits improve banking experiences, Finovate reported on October 26, 2026.

## Happen Bank's Next Steps

Happen Bank's results are due Wednesday after market hours, with analysts holding an average price target of $24.50.

## Companies in this story

- [Happen company profile](https://akta.pro/company-profiles/000csij/happen) · website: https://www.happen.com

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