HAPN

FinancialsPersonal Credit Institutions$2.2B mkt cap

Metric	FY2025	FY2024	FY2023	FY2022
Marketplace revenue	$355.9M+46.6%	$242.8M-16.7%	$291.5M-57.4%	$683.6M
Other non-interest income	$17.2M+69.3%	$10.2M-9.9%	$11.3M-60.7%	$28.8M
Total non-interest income	$373.2M+47.5%	$253.0M-16.5%	$302.8M-57.5%	$712.4M
Interest on loans held for sale	$142.9M+54.6%	$92.4M+159.3%	$35.7M+36.2%	$26.2M
Interest and fees on loans and leases held for investment	$490.1M-0.8%	$494.2M-19.9%	$616.7M+32.5%	$465.4M
Interest on loans held for investment at fair value	$72.8M-5.5%	$77.0M+4.0%	$74.1M+138.9%	$31.0M
Interest on securities available for sale	$223.8M+19.1%	$188.0M+367.2%	$40.2M+149.7%	$16.1M
Other interest income	$31.9M-43.3%	$56.3M-14.6%	$65.9M+254.8%	$18.6M
Total interest income	$961.5M+5.9%	$908.0M+9.0%	$832.6M+49.4%	$557.3M
Interest on deposits	$335.7M-9.1%	$369.2M+39.0%	$265.6M+339.3%	$60.5M
Other interest expense	$147K-96.9%	$4.7M-10.3%	$5.2M-76.3%	$22.1M
Total interest expense	$335.9M-10.2%	$373.9M+38.1%	$270.8M+228.2%	$82.5M
Net interest income	$625.7M+17.2%	$534.0M-4.9%	$561.8M+18.3%	$474.8M
Total net revenue	$998.8M+26.9%	$787.0M-9.0%	$864.6M-27.2%	$1.19B
Provision for credit losses	$191.3M+7.3%	$178.3M-26.8%	$243.6M-8.9%	$267.3M
Compensation and benefits	$241.8M+4.2%	$232.2M-11.4%	$261.9M-22.8%	$339.4M
Marketing	$149.2M+48.6%	$100.4M+7.0%	$93.8M-52.5%	$197.7M
Equipment and software	$57.0M+11.4%	$51.2M-4.3%	$53.5M+8.7%	$49.2M
Depreciation and amortization	$62.9M+6.9%	$58.8M+24.7%	$47.2M+7.7%	$43.8M
Professional services	$42.3M+32.1%	$32.0M-8.9%	$35.2M-30.4%	$50.5M
Occupancy	$19.8M+25.5%	$15.8M-9.9%	$17.5M-20.2%	$22.0M
Other non-interest expense	$57.4M+7.9%	$53.2M-7.0%	$57.3M-10.8%	$64.2M
Total non-interest expense	$630.6M+16.0%	$543.7M-4.0%	$566.4M-26.1%	$766.9M
Income before income tax expense	$176.9M+171.9%	$65.1M+19.1%	$54.6M-64.3%	$153.0M
Income tax expense	-$41.3M-200.4%	-$13.7M+12.4%	-$15.7M-111.5%	$136.6M
Net income	$135.7M+164.3%	$51.3M+31.8%	$38.9M-86.6%	$289.7M
Basic EPS (in dollars per share)	$1.18+156.5%	$0.46+27.8%	$0.36-87.1%	$2.80
Diluted EPS (in dollars per share)	$1.16+157.8%	$0.45+25.0%	$0.36-87.1%	$2.79
Weighted-average common shares – basic (in shares)	114.61B+2.6%	111.73B+3.0%	108.47B+4.8%	103.55B
Weighted-average common shares – diluted (in shares)	117.23B+3.6%	113.12B+4.3%	108.47B+4.3%	104.00B

Source: SEC EDGAR XBRL. % change vs prior period shown where available.

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Source: SEC EDGAR 10-K and 10-Q filings. Last 4 years annual and quarterly free, full history (up to 20 years) on Pro.