A Digital Bank for the Motivated Middle LendingClub operates a leading nationally chartered digital bank focused on serving a large and underserved segment of creditworthy U.S. consumers that we refer to as the motivated middle. These consumers are digitally capable, value-conscious, and make frequent use of credit to achieve intentional financial goals; however, they are often poorly served by…
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$1.02B
▲ +32.7% YoY
Net Income (TTM)
$211M
▲ +164.3% YoY
Net Margin
20.56%
P/E
8.66
Balance Sheet
Total Assets
$13.29B
Equity
$1.59B
Total Debt
$10M
Cash & Equiv.
$793M
5Y CAGR: +20.7%
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Peers
Personal Credit Institutions · Pick stocks to compare with LC
Held by ETFs
LC is in 57 US ETFs. The largest of them, with LC's weight in each:
Happen (LC) in four numbers
Questions about Happen
Is Happen (LC) overvalued?
At $15.59, Happen's price is 6% above the $14.73 a share fair value that Intrinsiqq's calculator gets from its book value. It trades at 8.66 times earnings. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.
What is Happen's fair value?
Intrinsiqq's calculator puts Happen's fair value at $14.73 a share. It grows book value per share 9.3% a year for 5 years, applies an exit P/B of 1.1, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of $11.05. Every input can be changed on the Intrinsic Value tab.
Is Happen a high-quality business?
Happen scores 58 out of 100 on Intrinsiqq's quality score, which makes it a mixed business on these measures. The score blends 8 checks computed from SEC filings. Its best check is return on equity at 13.2%, and its weakest is share count change at 13.1%. The Quality tab shows every check against its target.
Does Happen (LC) pay a dividend?
No. Happen (LC) does not currently pay a dividend. The last payment in our data was in 2020, and nothing has been paid since. Nor has its share count fallen meaningfully over the last twelve months, so cash is kept in the business. The Dividends tab shows its cash returns.
Source: 10-Q filed 16 Oct 2026 (period ending 30 Sept 2026), SEC. Price: last close 3 Nov 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.
Spot a number that looks wrong? Check it in LC's SEC filings or
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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