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The consensus price target hints at a 27.9% upside potential for Happen (HAPN). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will witness an upside in the near term.

Happen Bank, formerly known as LendingClub, has crushed SoFi's performance this year. The relative stock performance is backed up by financial fundamentals.