OPEN LENDING CORP (LPRO) Fundamental Analysis & Valuation

NASDAQ:LPRO • US68373J1043

Current stock price

1.45 USD
+0.24 (+19.83%)
At close:
1.43 USD
-0.02 (-1.38%)
After Hours:

This LPRO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. LPRO Profitability Analysis

1.1 Basic Checks

  • LPRO had positive earnings in the past year.
  • LPRO had a negative operating cash flow in the past year.
  • In multiple years LPRO reported negative net income over the last 5 years.
  • Of the past 5 years LPRO 4 years had a positive operating cash flow.
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 2025 0 50M -50M 100M -100M 150M

1.2 Ratios

  • With a Return On Assets value of -52.27%, LPRO is not doing good in the industry: 93.39% of the companies in the same industry are doing better.
  • The Return On Equity of LPRO (-206.46%) is worse than 90.50% of its industry peers.
Industry RankSector Rank
ROA -52.27%
ROE -206.46%
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 2025 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 2025 0 -200 -400

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5

2. LPRO Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, LPRO has less shares outstanding
  • The number of shares outstanding for LPRO has been reduced compared to 5 years ago.
  • LPRO has a better debt/assets ratio than last year.
LPRO Yearly Shares OutstandingLPRO Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 100M 200M 300M

2.2 Solvency

  • LPRO has an Altman-Z score of -1.20. This is a bad value and indicates that LPRO is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -1.20, LPRO is doing worse than 87.19% of the companies in the same industry.
  • A Debt/Equity ratio of 1.74 is on the high side and indicates that LPRO has dependencies on debt financing.
  • The Debt to Equity ratio of LPRO (1.74) is worse than 75.21% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.74
Debt/FCF N/A
Altman-Z -1.2
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 2025 0 50M 100M 150M 200M 250M

2.3 Liquidity

  • A Current Ratio of 5.59 indicates that LPRO has no problem at all paying its short term obligations.
  • The Current ratio of LPRO (5.59) is better than 89.26% of its industry peers.
  • LPRO has a Quick Ratio of 5.59. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 5.59, LPRO belongs to the top of the industry, outperforming 89.26% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 5.59
Quick Ratio 5.59
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 2025 50M 100M 150M 200M 250M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. LPRO Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 114.29% over the past year.
  • The earnings per share for LPRO have been decreasing by -51.32% on average. This is quite bad
EPS 1Y (TTM)114.29%
EPS 3Y-51.32%
EPS 5YN/A
EPS Q2Q%102.04%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%133.99%

3.2 Future

  • Based on estimates for the next years, LPRO will show a very strong growth in Earnings Per Share. The EPS will grow by 84.39% on average per year.
  • LPRO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.63% yearly.
EPS Next Y97.63%
EPS Next 2Y84.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.97%
Revenue Next 2Y11.96%
Revenue Next 3Y25.65%
Revenue Next 5Y15.63%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

More info and screens

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4

4. LPRO Valuation Analysis

4.1 Price/Earnings Ratio

  • LPRO is valuated rather expensively with a Price/Earnings ratio of 24.17.
  • Based on the Price/Earnings ratio, LPRO is valued a bit more expensive than 66.53% of the companies in the same industry.
  • LPRO's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.70.
  • LPRO is valuated correctly with a Price/Forward Earnings ratio of 12.23.
  • Based on the Price/Forward Earnings ratio, LPRO is valued a bit cheaper than the industry average as 66.94% of the companies are valued more expensively.
  • LPRO's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.84.
Industry RankSector Rank
PE 24.17
Fwd PE 12.23
LPRO Price Earnings VS Forward Price EarningsLPRO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LPRO Per share dataLPRO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 0.4 0.6

4.3 Compensation for Growth

  • The 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 84.39% in the coming years.
PEG (NY)0.25
PEG (5Y)N/A
EPS Next 2Y84.39%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. LPRO Dividend Analysis

5.1 Amount

  • LPRO does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

LPRO Fundamentals: All Metrics, Ratios and Statistics

OPEN LENDING CORP

NASDAQ:LPRO (3/13/2026, 8:00:00 PM)

After market: 1.43 -0.02 (-1.38%)

1.45

+0.24 (+19.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)03-12
Earnings (Next)05-05
Inst Owners63.16%
Inst Owner Change-4.61%
Ins Owners3.12%
Ins Owner Change0.18%
Market Cap171.38M
Revenue(TTM)N/A
Net Income(TTM)-150.35M
Analysts74.67
Price Target2.73 (88.28%)
Short Float %1.95%
Short Ratio3.08
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)5.68%
Min Revenue beat(2)4.16%
Max Revenue beat(2)7.19%
Revenue beat(4)2
Avg Revenue beat(4)-81.88%
Min Revenue beat(4)-336.02%
Max Revenue beat(4)7.19%
Revenue beat(8)3
Avg Revenue beat(8)-50.8%
Revenue beat(12)5
Avg Revenue beat(12)-35.82%
Revenue beat(16)9
Avg Revenue beat(16)-24.24%
PT rev (1m)0%
PT rev (3m)0.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-41.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 24.17
Fwd PE 12.23
P/S 10.11
P/FCF N/A
P/OCF N/A
P/B 2.35
P/tB 2.51
EV/EBITDA N/A
EPS(TTM)0.06
EY4.14%
EPS(NY)0.12
Fwd EY8.18%
FCF(TTM)-0.11
FCFYN/A
OCF(TTM)-0.1
OCFYN/A
SpS0.14
BVpS0.62
TBVpS0.58
PEG (NY)0.25
PEG (5Y)N/A
Graham Number0.91
Profitability
Industry RankSector Rank
ROA -52.27%
ROE -206.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc 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-Score2
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 1.74
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 42.56%
Cap/Sales 5.4%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 5.59
Quick Ratio 5.59
Altman-Z -1.2
F-Score2
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)155.6%
Cap/Depr(5y)143.06%
Cap/Sales(3y)6.14%
Cap/Sales(5y)4.09%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)114.29%
EPS 3Y-51.32%
EPS 5YN/A
EPS Q2Q%102.04%
EPS Next Y97.63%
EPS Next 2Y84.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%133.99%
Revenue Next Year7.97%
Revenue Next 2Y11.96%
Revenue Next 3Y25.65%
Revenue Next 5Y15.63%
EBIT growth 1Y-1821.17%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-5.51%
EBIT Next 3Y22.63%
EBIT Next 5YN/A
FCF growth 1Y-114.67%
FCF growth 3Y-47.22%
FCF growth 5YN/A
OCF growth 1Y-113.61%
OCF growth 3Y-43.03%
OCF growth 5YN/A

OPEN LENDING CORP / LPRO Fundamental Analysis FAQ

What is the fundamental rating for LPRO stock?

ChartMill assigns a fundamental rating of 3 / 10 to LPRO.


Can you provide the valuation status for OPEN LENDING CORP?

ChartMill assigns a valuation rating of 4 / 10 to OPEN LENDING CORP (LPRO). This can be considered as Fairly Valued.


What is the profitability of LPRO stock?

OPEN LENDING CORP (LPRO) has a profitability rating of 1 / 10.


What is the financial health of OPEN LENDING CORP (LPRO) stock?

The financial health rating of OPEN LENDING CORP (LPRO) is 4 / 10.


What is the earnings growth outlook for OPEN LENDING CORP?

The Earnings per Share (EPS) of OPEN LENDING CORP (LPRO) is expected to grow by 97.63% in the next year.