(LPRO) Open Lending - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US68373J1043
Stock: Lending Platform, Risk Analytics, Loan Pricing, Decision Technology
Total Rating 8
Risk 26
Buy Signal -1.75
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 68.7% |
| Relative Tail Risk | -13.0% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.73 |
| Alpha | -91.79 |
| Character TTM | |
|---|---|
| Beta | 1.392 |
| Beta Downside | 1.523 |
| Drawdowns 3y | |
|---|---|
| Max DD | 92.77% |
| CAGR/Max DD | -0.46 |
Description: LPRO Open Lending December 31, 2025
Open Lending Corp (NASDAQ:LPRO) delivers a cloud-based lending-enablement platform (LPP) that equips U.S. credit unions, regional banks, finance companies, and automaker captive finance arms with loan-analytics, risk-based pricing, and automated credit-default-insurance issuance. Founded in 2000 and based in Austin, Texas, the firm’s core offering integrates risk modeling and decision-automation tools to streamline automotive loan origination and mitigate default exposure.
Key operating metrics (as of the latest 10-Q) show a year-over-year revenue increase of roughly 12% to $45 million, driven primarily by expanding contracts with mid-size credit unions that collectively originated $4.3 billion in auto loans in 2023. The business is sensitive to macro-economic factors such as the Federal Reserve’s policy rate-higher rates tend to compress auto-loan demand but increase the value of the company’s risk-pricing services. Additionally, the U.S. auto-finance market is projected to grow at a 3-4% CAGR through 2028, providing a favorable tailwind for LPP adoption.
For a deeper quantitative assessment, explore the detailed valuation models and scenario analysis available on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 0.5
| Net Income: -150.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.05 > 0.02 and ΔFCF/TA -13.32 > 1.0 |
| NWC/Revenue: 1321 % < 20% (prev 274.7%; Δ 1046 % < -1%) |
| CFO/TA -0.04 > 3% & CFO -12.0m > Net Income -150.4m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 5.59 > 1.5 & < 3 |
| Outstanding Shares: last quarter (118.2m) vs 12m ago -1.09% < -2% |
| Gross Margin: -36.75% > 18% (prev 0.76%; Δ -3751 % > 0.5%) |
| Asset Turnover: 4.96% > 50% (prev 24.23%; Δ -19.27% > 0%) |
| Interest Coverage Ratio: -7.43 > 6 (EBITDA TTM -74.3m / Interest Expense TTM 10.3m) |
Altman Z'' -1.82
| A: 0.78 (Total Current Assets 272.6m - Total Current Liabilities 48.8m) / Total Assets 287.7m |
| B: -1.16 (Retained Earnings -334.7m / Total Assets 287.7m) |
| C: -0.22 (EBIT TTM -76.5m / Avg Total Assets 341.7m) |
| D: -1.55 (Book Value of Equity -333.4m / Total Liabilities 214.8m) |
| Altman-Z'' Score: -1.82 = D |
Beneish M 1.00
| DSRI: 8.20 (Receivables 32.4m/22.4m, Revenue 16.9m/95.9m) |
| GMI: 1.00 (fallback, negative margins) |
| AQI: 0.17 (AQ_t 0.04 / AQ_t-1 0.23) |
| SGI: 0.18 (Revenue 16.9m / 95.9m) |
| TATA: -0.48 (NI -150.4m - CFO -12.0m) / TA 287.7m) |
| Beneish M-Score: 1.33 (Cap -4..+1) = D |
What is the price of LPRO shares?
As of February 04, 2026, the stock is trading at USD 1.74 with a total of 676,522 shares traded.
Over the past week, the price has changed by -8.42%, over one month by +1.75%, over three months by -3.87% and over the past year by -71.57%.
Over the past week, the price has changed by -8.42%, over one month by +1.75%, over three months by -3.87% and over the past year by -71.57%.
Is LPRO a buy, sell or hold?
Open Lending has received a consensus analysts rating of 3.75.
Therefor, it is recommend to hold LPRO.
- StrongBuy: 2
- Buy: 2
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the LPRO price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 2.7 | 54% |
| Analysts Target Price | 2.7 | 54% |
| ValueRay Target Price | 1.1 | -38.5% |
LPRO Fundamental Data Overview February 03, 2026
P/E Forward = 11.9332
P/S = 12.4828
P/B = 2.905
Revenue TTM = 16.9m USD
EBIT TTM = -76.5m USD
EBITDA TTM = -74.3m USD
Long Term Debt = 156.9m USD (from longTermDebt, last quarter)
Short Term Debt = 7.50m USD (from shortTermDebt, last quarter)
Debt = 137.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -96.8m USD (from netDebt column, last quarter)
Enterprise Value = 114.8m USD (211.6m + Debt 137.0m - CCE 233.7m)
Interest Coverage Ratio = -7.43 (Ebit TTM -76.5m / Interest Expense TTM 10.3m)
EV/FCF = -8.62x (Enterprise Value 114.8m / FCF TTM -13.3m)
FCF Yield = -11.60% (FCF TTM -13.3m / Enterprise Value 114.8m)
FCF Margin = -78.55% (FCF TTM -13.3m / Revenue TTM 16.9m)
Net Margin = -887.1% (Net Income TTM -150.4m / Revenue TTM 16.9m)
Gross Margin = -36.75% ((Revenue TTM 16.9m - Cost of Revenue TTM 23.2m) / Revenue TTM)
Gross Margin QoQ = 78.00% (prev 78.23%)
Tobins Q-Ratio = 0.40 (Enterprise Value 114.8m / Total Assets 287.7m)
Interest Expense / Debt = 1.78% (Interest Expense 2.43m / Debt 137.0m)
Taxrate = 21.0% (US default 21%)
NOPAT = -60.4m (EBIT -76.5m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 5.59 (Total Current Assets 272.6m / Total Current Liabilities 48.8m)
Debt / Equity = 1.88 (Debt 137.0m / totalStockholderEquity, last quarter 72.8m)
Debt / EBITDA = 1.30 (negative EBITDA) (Net Debt -96.8m / EBITDA -74.3m)
Debt / FCF = 7.27 (negative FCF - burning cash) (Net Debt -96.8m / FCF TTM -13.3m)
Total Stockholder Equity = 77.4m (last 4 quarters mean from totalStockholderEquity)
RoA = -44.00% (Net Income -150.4m / Total Assets 287.7m)
RoE = -194.2% (Net Income TTM -150.4m / Total Stockholder Equity 77.4m)
RoCE = -32.64% (EBIT -76.5m / Capital Employed (Equity 77.4m + L.T.Debt 156.9m))
RoIC = -22.80% (negative operating profit) (NOPAT -60.4m / Invested Capital 264.9m)
WACC = 7.25% (E(211.6m)/V(348.5m) * Re(11.04%) + D(137.0m)/V(348.5m) * Rd(1.78%) * (1-Tc(0.21)))
Discount Rate = 11.04% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.50%
Fair Price DCF = unknown (Cash Flow -13.3m)
EPS Correlation: -46.47 | EPS CAGR: -3.62% | SUE: -0.02 | # QB: 0
Revenue Correlation: -36.34 | Revenue CAGR: -18.32% | SUE: 0.07 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.03 | Chg30d=+0.006 | Revisions Net=-1 | Analysts=4
EPS next Year (2026-12-31): EPS=0.13 | Chg30d=+0.020 | Revisions Net=+0 | Growth EPS=+225.0% | Growth Revenue=+8.0%
P/S = 12.4828
P/B = 2.905
Revenue TTM = 16.9m USD
EBIT TTM = -76.5m USD
EBITDA TTM = -74.3m USD
Long Term Debt = 156.9m USD (from longTermDebt, last quarter)
Short Term Debt = 7.50m USD (from shortTermDebt, last quarter)
Debt = 137.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -96.8m USD (from netDebt column, last quarter)
Enterprise Value = 114.8m USD (211.6m + Debt 137.0m - CCE 233.7m)
Interest Coverage Ratio = -7.43 (Ebit TTM -76.5m / Interest Expense TTM 10.3m)
EV/FCF = -8.62x (Enterprise Value 114.8m / FCF TTM -13.3m)
FCF Yield = -11.60% (FCF TTM -13.3m / Enterprise Value 114.8m)
FCF Margin = -78.55% (FCF TTM -13.3m / Revenue TTM 16.9m)
Net Margin = -887.1% (Net Income TTM -150.4m / Revenue TTM 16.9m)
Gross Margin = -36.75% ((Revenue TTM 16.9m - Cost of Revenue TTM 23.2m) / Revenue TTM)
Gross Margin QoQ = 78.00% (prev 78.23%)
Tobins Q-Ratio = 0.40 (Enterprise Value 114.8m / Total Assets 287.7m)
Interest Expense / Debt = 1.78% (Interest Expense 2.43m / Debt 137.0m)
Taxrate = 21.0% (US default 21%)
NOPAT = -60.4m (EBIT -76.5m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 5.59 (Total Current Assets 272.6m / Total Current Liabilities 48.8m)
Debt / Equity = 1.88 (Debt 137.0m / totalStockholderEquity, last quarter 72.8m)
Debt / EBITDA = 1.30 (negative EBITDA) (Net Debt -96.8m / EBITDA -74.3m)
Debt / FCF = 7.27 (negative FCF - burning cash) (Net Debt -96.8m / FCF TTM -13.3m)
Total Stockholder Equity = 77.4m (last 4 quarters mean from totalStockholderEquity)
RoA = -44.00% (Net Income -150.4m / Total Assets 287.7m)
RoE = -194.2% (Net Income TTM -150.4m / Total Stockholder Equity 77.4m)
RoCE = -32.64% (EBIT -76.5m / Capital Employed (Equity 77.4m + L.T.Debt 156.9m))
RoIC = -22.80% (negative operating profit) (NOPAT -60.4m / Invested Capital 264.9m)
WACC = 7.25% (E(211.6m)/V(348.5m) * Re(11.04%) + D(137.0m)/V(348.5m) * Rd(1.78%) * (1-Tc(0.21)))
Discount Rate = 11.04% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.50%
Fair Price DCF = unknown (Cash Flow -13.3m)
EPS Correlation: -46.47 | EPS CAGR: -3.62% | SUE: -0.02 | # QB: 0
Revenue Correlation: -36.34 | Revenue CAGR: -18.32% | SUE: 0.07 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.03 | Chg30d=+0.006 | Revisions Net=-1 | Analysts=4
EPS next Year (2026-12-31): EPS=0.13 | Chg30d=+0.020 | Revisions Net=+0 | Growth EPS=+225.0% | Growth Revenue=+8.0%