Happen, Inc. — Third Quarter 2026 Earnings Summary

Happen, Inc. reported record third-quarter 2026 pre-tax income of $76.8 million and diluted earnings per share of $0.50, representing a 35% year-over-year increase. The company achieved a 26% year-over-year growth in loan originations to $3.3 billion, driven by successful product initiatives and the expansion into the home improvement market. Happen Bank's balance sheet strengthened with total assets reaching $13.3 billion and deposits growing 22% to $11.5 billion, while maintaining a strong capital position with a CET1 ratio of 15.7%. The company also raised its full-year 2026 diluted EPS guidance to a range of $1.87 to $1.92, reflecting improved profitability and operational efficiency.