Happen (formerly LendingClub) is a U.S. digital marketplace bank operating Happen Bank. It combines online deposit gathering with consumer and commercial lending, using a technology-driven underwriting platform. Revenue comes from loan sales, net interest income and fee services rather than a traditional branch-heavy model. Its target customers are digitally active borrowers and savers—often described as the “motivated middle”—seeking personal loans and related banking products.
| Quarter | Revenue | YoY % | Earnings | YoY % |
|---|---|---|---|---|
| Q2 2025 | 248.4 | — | 38.2 | — |
| Q3 2025 | 266.2 | — | 44.3 | — |
| Q4 2025 | 266.5 | — | 41.5 | — |
| Q1 2026 | 252.3 | — | 51.6 | — |
| Q2 2026 | 262.9 | 5.8% | 58.1 | 52.3% |
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