Happen, Inc. Reports Q3 2026 Financial Results and Updates Guidance

Happen, Inc. reported third-quarter 2026 originations of $3.3 billion, up 26% year over year, and net revenue of $263.2 million, which was affected by its use of fair value option accounting for new originations. Diluted EPS increased 35% to $0.50, supported by credit performance and a $15.9 million provision benefit. The company raised its 2026 diluted EPS guidance to $1.87–$1.92 from $1.80–$1.90 and narrowed its originations growth forecast to 26%–27%. Happen also said it is expanding in home improvement and continues to report lower delinquency rates than competitors.