Stocktoria
Happen, Inc. LC
Happen, Inc. (LC) earns a Piotroski F-score of 2/9 (weak financial health). It pays a dividend (safety: no dividend).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-04-28 | Stephens & Co. | Overweight (main) |
| 2026-01-29 | BTIG | Buy (reit) |
| 2025-12-04 | JP Morgan | Overweight (main) |
| 2025-11-10 | Citizens | Market Outperform (up) |
| 2025-11-07 | Keefe, Bruyette & Woods | Outperform (main) |
| 2025-11-06 | Janney Montgomery Scott | Neutral (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1152 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 2/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| LC | Happen, Inc. | 2/9 | — | — | -58.5% |
| AFRM | Affirm Holdings, Inc. | 5/9 | — | 13.8 | +32.2% |
| ENVA | Enova International, Inc. | 6/9 | — | 18.6 | +18.6% |
| CACC | CREDIT ACCEPTANCE CORP | 6/9 | — | 15.5 | +7.2% |
| ATLC | Atlanticus Holdings Corp | 3/9 | — | 13.7 | +50.1% |
| RM | Regional Management Corp. | 4/9 | — | 8.5 | +9.7% |
| WRLD | WORLD ACCEPTANCE CORP | 4/9 | — | 23.2 | +3.7% |
All Finance, Insurance & Real Estate companies →
About Happen, Inc.
LendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United States. It offers deposit products, including savings accounts, checking accounts, and certificates of deposit; patient and education finance loans; and commercial loans, including small business loans. The company also provides consumer loans, such as Unsecured and unsecured, fixed-rate, and fixed-term consumer loans; and secured auto refinance loans. In addition, it operates a lending marketplace platform. The company was incorporated in 2006 and is headquartered in San Francisco, California.
FAQ
Is LC financially healthy?
Happen, Inc.'s Piotroski F-score is 2/9 (8–9 is excellent, 0–3 weak).
Does LC pay a dividend, and is it safe?
Yes. Happen, Inc. pays a dividend with a None payout ratio, rated “no dividend” for safety.
How profitable is LC?
In FY2025, Happen, Inc. had a return on equity of 9.0%.
What is the analyst price target for LC?
The average Wall-Street price target for Happen, Inc. is $23.25, from 10 analysts (consensus: strong buy).
Is LC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Happen, Inc.: a Piotroski F-score of 2/9. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.