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OPEN LENDING CORP (LPRO) Stock Fundamental Analysis

USA - NASDAQ:LPRO - US68373J1043 - Common Stock

2.105 USD
0 (-0.24%)
Last: 10/1/2025, 9:32:10 AM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to LPRO. LPRO was compared to 237 industry peers in the Capital Markets industry. While LPRO seems to be doing ok healthwise, there are quite some concerns on its profitability. LPRO has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

LPRO had negative earnings in the past year.
LPRO had a positive operating cash flow in the past year.
In multiple years LPRO reported negative net income over the last 5 years.
LPRO had a positive operating cash flow in each of the past 5 years.
LPRO Yearly Net Income VS EBIT VS OCF VS FCFLPRO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M 150M

1.2 Ratios

The Return On Assets of LPRO (-47.65%) is worse than 94.09% of its industry peers.
The Return On Equity of LPRO (-179.04%) is worse than 89.45% of its industry peers.
Industry RankSector Rank
ROA -47.65%
ROE -179.04%
ROIC N/A
ROA(3y)-7.37%
ROA(5y)-1.43%
ROE(3y)-43.62%
ROE(5y)-75.99%
ROIC(3y)N/A
ROIC(5y)N/A
LPRO Yearly ROA, ROE, ROICLPRO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300

1.3 Margins

LPRO does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
LPRO Yearly Profit, Operating, Gross MarginsLPRO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400

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4

2. Health

2.1 Basic Checks

The number of shares outstanding for LPRO has been increased compared to 1 year ago.
LPRO has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, LPRO has a worse debt to assets ratio.
LPRO Yearly Shares OutstandingLPRO Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
LPRO Yearly Total Debt VS Total AssetsLPRO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

Based on the Altman-Z score of -0.74, we must say that LPRO is in the distress zone and has some risk of bankruptcy.
LPRO has a worse Altman-Z score (-0.74) than 79.75% of its industry peers.
The Debt to FCF ratio of LPRO is 28.15, which is on the high side as it means it would take LPRO, 28.15 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of LPRO (28.15) is comparable to the rest of the industry.
A Debt/Equity ratio of 1.63 is on the high side and indicates that LPRO has dependencies on debt financing.
With a Debt to Equity ratio value of 1.63, LPRO is not doing good in the industry: 74.68% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.63
Debt/FCF 28.15
Altman-Z -0.74
ROIC/WACCN/A
WACCN/A
LPRO Yearly LT Debt VS Equity VS FCFLPRO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M 250M

2.3 Liquidity

LPRO has a Current Ratio of 5.67. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of LPRO (5.67) is better than 89.87% of its industry peers.
LPRO has a Quick Ratio of 5.67. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
LPRO's Quick ratio of 5.67 is amongst the best of the industry. LPRO outperforms 89.87% of its industry peers.
Industry RankSector Rank
Current Ratio 5.67
Quick Ratio 5.67
LPRO Yearly Current Assets VS Current LiabilitesLPRO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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3

3. Growth

3.1 Past

The earnings per share for LPRO have decreased strongly by -1250.00% in the last year.
Looking at the last year, LPRO shows a very negative growth in Revenue. The Revenue has decreased by -83.48% in the last year.
Measured over the past years, LPRO shows a very negative growth in Revenue. The Revenue has been decreasing by -51.89% on average per year.
EPS 1Y (TTM)-1250%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-50%
Revenue 1Y (TTM)-83.48%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%-5.3%

3.2 Future

The Earnings Per Share is expected to grow by 33.52% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 13.14% on average over the next years. This is quite good.
EPS Next Y106.53%
EPS Next 2Y49.18%
EPS Next 3Y33.52%
EPS Next 5YN/A
Revenue Next Year-8.43%
Revenue Next 2Y1.13%
Revenue Next 3Y4.64%
Revenue Next 5Y13.14%

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
LPRO Yearly Revenue VS EstimatesLPRO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 50M 100M 150M 200M
LPRO Yearly EPS VS EstimatesLPRO Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 -0.5 1 -1

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for LPRO. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 22.22, LPRO is valued on the expensive side.
LPRO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. LPRO is more expensive than 60.76% of the companies in the same industry.
LPRO is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.18, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 22.22
LPRO Price Earnings VS Forward Price EarningsLPRO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of LPRO is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 51.43
EV/EBITDA N/A
LPRO Per share dataLPRO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 -0.2 0.4 -0.4 0.6

4.3 Compensation for Growth

LPRO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as LPRO's earnings are expected to grow with 33.52% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.18%
EPS Next 3Y33.52%

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0

5. Dividend

5.1 Amount

LPRO does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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OPEN LENDING CORP

NASDAQ:LPRO (10/1/2025, 9:32:10 AM)

2.105

0 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-05 2025-11-05/amc
Inst Owners62.69%
Inst Owner Change-12.09%
Ins Owners3.06%
Ins Owner Change1.15%
Market Cap248.75M
Analysts75.71
Price Target3.61 (71.5%)
Short Float %2.37%
Short Ratio3.52
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-10.12%
Min EPS beat(2)-34.64%
Max EPS beat(2)14.4%
EPS beat(4)1
Avg EPS beat(4)-685.54%
Min EPS beat(4)-2643.1%
Max EPS beat(4)14.4%
EPS beat(8)1
Avg EPS beat(8)-385.04%
EPS beat(12)3
Avg EPS beat(12)-261.28%
EPS beat(16)7
Avg EPS beat(16)-192.27%
Revenue beat(2)1
Avg Revenue beat(2)0.65%
Min Revenue beat(2)-2.87%
Max Revenue beat(2)4.16%
Revenue beat(4)1
Avg Revenue beat(4)-89.1%
Min Revenue beat(4)-336.02%
Max Revenue beat(4)4.16%
Revenue beat(8)2
Avg Revenue beat(8)-54.43%
Revenue beat(12)5
Avg Revenue beat(12)-35.44%
Revenue beat(16)9
Avg Revenue beat(16)-24.34%
PT rev (1m)0%
PT rev (3m)-1.13%
EPS NQ rev (1m)-100%
EPS NQ rev (3m)-100%
EPS NY rev (1m)-38.31%
EPS NY rev (3m)-51.13%
Revenue NQ rev (1m)-2.28%
Revenue NQ rev (3m)-9.33%
Revenue NY rev (1m)-1.07%
Revenue NY rev (3m)-1.78%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 22.22
P/S 15.3
P/FCF 51.43
P/OCF 49.67
P/B 3.15
P/tB 3.37
EV/EBITDA N/A
EPS(TTM)-0.46
EYN/A
EPS(NY)0.09
Fwd EY4.5%
FCF(TTM)0.04
FCFY1.94%
OCF(TTM)0.04
OCFY2.01%
SpS0.14
BVpS0.67
TBVpS0.62
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -47.65%
ROE -179.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 29.76%
ROA(3y)-7.37%
ROA(5y)-1.43%
ROE(3y)-43.62%
ROE(5y)-75.99%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.63
Debt/FCF 28.15
Debt/EBITDA N/A
Cap/Depr 8.47%
Cap/Sales 1.05%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 5.67
Quick Ratio 5.67
Altman-Z -0.74
F-Score3
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)22.21%
Cap/Depr(5y)63.02%
Cap/Sales(3y)0.38%
Cap/Sales(5y)0.63%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1250%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-50%
EPS Next Y106.53%
EPS Next 2Y49.18%
EPS Next 3Y33.52%
EPS Next 5YN/A
Revenue 1Y (TTM)-83.48%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%-5.3%
Revenue Next Year-8.43%
Revenue Next 2Y1.13%
Revenue Next 3Y4.64%
Revenue Next 5Y13.14%
EBIT growth 1Y-1087.1%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-13.33%
EBIT Next 3Y29.36%
EBIT Next 5YN/A
FCF growth 1Y-95.12%
FCF growth 3Y-42.81%
FCF growth 5YN/A
OCF growth 1Y-94.96%
OCF growth 3Y-43.03%
OCF growth 5YN/A