OPEN LENDING CORP (LPRO)
US68373J1043 - Common Stock
LPRO gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 210 industry peers in the Capital Markets industry. LPRO has an excellent financial health rating, but there are some minor concerns on its profitability. LPRO has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year LPRO was profitable.
In the past year LPRO had a positive cash flow from operations.
Of the past 5 years LPRO 4 years were profitable.
LPRO had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
LPRO has a better Return On Assets (5.90%) than 68.27% of its industry peers.
LPRO has a Return On Equity (10.73%) which is in line with its industry peers.
The Return On Invested Capital of LPRO (6.08%) is better than 66.83% of its industry peers.
LPRO had an Average Return On Invested Capital over the past 3 years of 20.68%. This is significantly above the industry average of 10.69%.
The last Return On Invested Capital (6.08%) for LPRO is well below the 3 year average (20.68%), which needs to be investigated, but indicates that LPRO had better years and this may not be a problem.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.9% | ||
| ROE | 10.73% | ||
| ROIC | 6.08% |
ROA(3y)23.09%
ROA(5y)7.87%
ROE(3y)44.64%
ROE(5y)-41.22%
ROIC(3y)20.68%
ROIC(5y)N/A
1.3 Margins
LPRO's Profit Margin of 18.79% is in line compared to the rest of the industry. LPRO outperforms 50.48% of its industry peers.
LPRO has a Operating Margin of 24.76%. This is comparable to the rest of the industry: LPRO outperforms 42.79% of its industry peers.
In the last couple of years the Operating Margin of LPRO has declined.
LPRO has a Gross Margin of 81.04%. This is amongst the best in the industry. LPRO outperforms 81.25% of its industry peers.
In the last couple of years the Gross Margin of LPRO has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 24.76% | ||
| PM (TTM) | 18.79% | ||
| GM | 81.04% |
OM growth 3Y-21.95%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.79%
GM growth 5YN/A
2. Health
2.1 Basic Checks
Compared to 1 year ago, LPRO has less shares outstanding
The number of shares outstanding for LPRO has been increased compared to 5 years ago.
Compared to 1 year ago, LPRO has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.88 indicates that LPRO is not a great score, but indicates only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 2.88, LPRO is doing good in the industry, outperforming 75.48% of the companies in the same industry.
LPRO has a debt to FCF ratio of 1.75. This is a very positive value and a sign of high solvency as it would only need 1.75 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 1.75, LPRO belongs to the best of the industry, outperforming 83.65% of the companies in the same industry.
LPRO has a Debt/Equity ratio of 0.68. This is a neutral value indicating LPRO is somewhat dependend on debt financing.
LPRO's Debt to Equity ratio of 0.68 is fine compared to the rest of the industry. LPRO outperforms 63.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | 1.75 | ||
| Altman-Z | 2.88 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
LPRO has a Current Ratio of 14.08. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 14.08, LPRO belongs to the top of the industry, outperforming 96.63% of the companies in the same industry.
LPRO has a Quick Ratio of 14.08. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of LPRO (14.08) is better than 96.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 14.08 | ||
| Quick Ratio | 14.08 |
3. Growth
3.1 Past
LPRO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -67.31%.
Measured over the past years, LPRO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.83% on average per year.
The Revenue for LPRO has decreased by -34.60% in the past year. This is quite bad
The Revenue has been growing slightly by 2.55% on average over the past years.
EPS 1Y (TTM)-67.31%
EPS 3YN/A
EPS 5Y17.83%
EPS growth Q2Q-33.33%
Revenue 1Y (TTM)-34.6%
Revenue growth 3Y2.55%
Revenue growth 5YN/A
Revenue growth Q2Q-44.3%
3.2 Future
LPRO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 51.54% yearly.
LPRO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.88% yearly.
EPS Next Y56%
EPS Next 2Y44.91%
EPS Next 3Y51.54%
EPS Next 5YN/A
Revenue Next Year-2.27%
Revenue Next 2Y6.82%
Revenue Next 3Y13.51%
Revenue Next 5Y7.88%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 30.53 indicates a quite expensive valuation of LPRO.
Compared to the rest of the industry, the Price/Earnings ratio of LPRO indicates a slightly more expensive valuation: LPRO is more expensive than 77.88% of the companies listed in the same industry.
LPRO's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.06.
Based on the Price/Forward Earnings ratio of 19.57, the valuation of LPRO can be described as rather expensive.
Based on the Price/Forward Earnings ratio, LPRO is valued a bit more expensive than 62.02% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of LPRO to the average of the S&P500 Index (20.72), we can say LPRO is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.53 | ||
| Fwd PE | 19.57 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, LPRO is valued a bit cheaper than the industry average as 68.75% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of LPRO indicates a somewhat cheap valuation: LPRO is cheaper than 79.81% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.48 | ||
| EV/EBITDA | 16.99 |
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.
LPRO has a very decent profitability rating, which may justify a higher PE ratio.
LPRO's earnings are expected to grow with 51.54% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)1.71
EPS Next 2Y44.91%
EPS Next 3Y51.54%
5. Dividend
5.1 Amount
No dividends for LPRO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
OPEN LENDING CORP
NASDAQ:LPRO (5/2/2024, 3:30:01 PM)
After market: 5.19 0 (0%)5.19
+0.06 (+1.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap616.99M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.53 | ||
| Fwd PE | 19.57 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.55
PEG (5Y)1.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.9% | ||
| ROE | 10.73% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 24.76% | ||
| PM (TTM) | 18.79% | ||
| GM | 81.04% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.31
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 14.08 | ||
| Quick Ratio | 14.08 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-67.31%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y56%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-34.6%
Revenue growth 3Y2.55%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y