(LPRO) Open Lending - Ratings and Ratios
Loan Analytics, Risk Pricing, Risk Modeling, Automated Decisions
LPRO EPS (Earnings per Share)
LPRO Revenue
Description: LPRO Open Lending
Open Lending Corporation is a US-based company that provides lending enablement and risk analytics solutions to financial institutions, including credit unions, regional banks, and automakers captive finance companies. Its cloud-based platform, Lender Protection Platform (LPP), offers a suite of products, including loan analytics, risk-based loan pricing, risk modeling, and automated decision technology, designed to support automotive lenders in making informed decisions.
To evaluate the companys performance, we can examine key performance indicators (KPIs) such as revenue growth, customer acquisition, and retention rates. A review of Open Lending Corps financials reveals that its revenue has grown significantly over the past few years, driven by the increasing adoption of its LPP platform. Additionally, the companys customer base has expanded to include major financial institutions, indicating a strong market presence.
From a valuation perspective, Open Lending Corps market capitalization stands at $232.38 million, with a forward price-to-earnings ratio of 36.36. While the companys return on equity (ROE) is currently negative, this metric can be distorted by one-time expenses or accounting adjustments. To gain a more comprehensive understanding, we can analyze other metrics, such as the companys operating margins, cash flow generation, and debt-to-equity ratio.
Further analysis of Open Lending Corps competitive position reveals that it operates in a niche market, providing specialized solutions to automotive lenders. The companys ability to maintain its market share and expand its customer base will depend on its capacity to innovate and adapt to changing market conditions. Key factors to monitor include the companys research and development expenses, product innovation pipeline, and customer satisfaction ratings.
LPRO Stock Overview
| Market Cap in USD | 261m |
| Sub-Industry | Diversified Capital Markets |
| IPO / Inception | 2018-03-06 |
LPRO Stock Ratings
| Growth Rating | -86.0% |
| Fundamental | 27.5% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -69.3% |
| Analyst Rating | 3.75 of 5 |
LPRO Dividends
Currently no dividends paidLPRO Growth Ratios
| Growth Correlation 3m | -6.6% |
| Growth Correlation 12m | -75.6% |
| Growth Correlation 5y | -94% |
| CAGR 5y | -38.72% |
| CAGR/Max DD 3y | -0.42 |
| CAGR/Mean DD 3y | -0.87 |
| Sharpe Ratio 12m | -1.32 |
| Alpha | 0.01 |
| Beta | 0.964 |
| Volatility | 60.68% |
| Current Volume | 1141.2k |
| Average Volume 20d | 505.5k |
| Stop Loss | 1.9 (-10.8%) |
| Signal | 0.44 |
Piotroski VR‑10 (Strict, 0-10) 0.0
| Net Income (-141.3m TTM) > 0 and > 6% of Revenue (6% = 975.3k TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -10.45pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 1353 % (prev 275.6%; Δ 1078 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 5.01m > Net Income -141.3m (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 5.67 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (119.6m) change vs 12m ago 0.26% (target <= -2.0% for YES) |
| Gross Margin -47.55% (prev 77.45%; Δ -125.0pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.78% (prev 25.71%; Δ -20.92pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -4.14 (EBITDA TTM -64.2m / Interest Expense TTM 16.0m) >= 6 (WARN >= 3) |
Altman Z'' -1.61
| (A) 0.74 = (Total Current Assets 267.1m - Total Current Liabilities 47.1m) / Total Assets 296.7m |
| (B) -1.10 = Retained Earnings (Balance) -327.1m / Total Assets 296.7m |
| warn (B) unusual magnitude: -1.10 — check mapping/units |
| (C) -0.19 = EBIT TTM -66.2m / Avg Total Assets 339.7m |
| (D) -1.50 = Book Value of Equity -325.8m / Total Liabilities 217.7m |
| Total Rating: -1.61 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 27.46
| 1. Piotroski 0.0pt = -5.0 |
| 2. FCF Yield 1.40% = 0.70 |
| 3. FCF Margin 17.13% = 4.28 |
| 4. Debt/Equity 2.13 = 0.58 |
| 5. Debt/Ebitda -2.62 = -2.50 |
| 6. ROIC - WACC (= -30.16)% = -12.50 |
| 7. RoE -123.6% = -2.50 |
| 8. Rev. Trend -36.41% = -2.73 |
| 9. EPS Trend -57.46% = -2.87 |
What is the price of LPRO shares?
Over the past week, the price has changed by -0.47%, over one month by +2.40%, over three months by +1.91% and over the past year by -63.59%.
Is Open Lending a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of LPRO is around 1.18 USD . This means that LPRO is currently overvalued and has a potential downside of -44.6%.
Is LPRO a buy, sell or hold?
- Strong Buy: 2
- Buy: 2
- Hold: 4
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the LPRO price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 3 | 39.4% |
| Analysts Target Price | 3 | 39.4% |
| ValueRay Target Price | 1.3 | -38.5% |
Last update: 2025-09-04 04:42
LPRO Fundamental Data Overview
CCE Cash And Equivalents = 230.7m USD (Cash And Short Term Investments, last quarter)
P/E Forward = 36.3636
P/S = 16.0664
P/B = 3.1584
Beta = 1.92
Revenue TTM = 16.3m USD
EBIT TTM = -66.2m USD
EBITDA TTM = -64.2m USD
Long Term Debt = 160.6m USD (from longTermDebt, last quarter)
Short Term Debt = 7.50m USD (from shortTermDebt, last quarter)
Debt = 168.1m USD (Calculated: Short Term 7.50m + Long Term 160.6m)
Net Debt = -220.3m USD (from netDebt column, last quarter)
Enterprise Value = 198.6m USD (261.2m + Debt 168.1m - CCE 230.7m)
Interest Coverage Ratio = -4.14 (Ebit TTM -66.2m / Interest Expense TTM 16.0m)
FCF Yield = 1.40% (FCF TTM 2.79m / Enterprise Value 198.6m)
FCF Margin = 17.13% (FCF TTM 2.79m / Revenue TTM 16.3m)
Net Margin = -869.6% (Net Income TTM -141.3m / Revenue TTM 16.3m)
Gross Margin = -47.55% ((Revenue TTM 16.3m - Cost of Revenue TTM 24.0m) / Revenue TTM)
Tobins Q-Ratio = -0.61 (set to none) (Enterprise Value 198.6m / Book Value Of Equity -325.8m)
Interest Expense / Debt = 4.52% (Interest Expense 7.60m / Debt 168.1m)
Taxrate = 7.18% (80.0k / 1.11m)
NOPAT = -66.2m (EBIT -66.2m, no tax applied on loss)
Current Ratio = 5.67 (Total Current Assets 267.1m / Total Current Liabilities 47.1m)
Debt / Equity = 2.13 (Debt 168.1m / last Quarter total Stockholder Equity 78.9m)
Debt / EBITDA = -2.62 (Net Debt -220.3m / EBITDA -64.2m)
Debt / FCF = 60.36 (Debt 168.1m / FCF TTM 2.79m)
Total Stockholder Equity = 114.3m (last 4 quarters mean)
RoA = -47.65% (Net Income -141.3m, Total Assets 296.7m )
RoE = -123.6% (Net Income TTM -141.3m / Total Stockholder Equity 114.3m)
RoCE = -24.09% (Ebit -66.2m / (Equity 114.3m + L.T.Debt 160.6m))
RoIC = -22.70% (NOPAT -66.2m / Invested Capital 291.8m)
WACC = 7.46% (E(261.2m)/V(429.3m) * Re(9.57%)) + (D(168.1m)/V(429.3m) * Rd(4.52%) * (1-Tc(0.07)))
Shares Correlation 3-Years: -51.52 | Cagr: -0.49%
Discount Rate = 9.57% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 66.24% ; FCFE base≈19.1m ; Y1≈13.8m ; Y5≈7.64m
Fair Price DCF = 0.97 (DCF Value 114.4m / Shares Outstanding 118.2m; 5y FCF grow -32.74% → 3.0% )
EPS Correlation: -57.46 | EPS CAGR: -65.72% | SUE: 0.04 | # QB: 0
Revenue Correlation: -36.41 | Revenue CAGR: -22.30% | SUE: 0.57 | # QB: 0
Additional Sources for LPRO Stock
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Fund Manager Positions: Dataroma | Stockcircle