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OPEN LENDING CORP (LPRO) Stock Fundamental Analysis

NASDAQ:LPRO - Nasdaq - US68373J1043 - Common Stock - Currency: USD

2.45  -0.01 (-0.41%)

After market: 2.55 +0.1 (+4.08%)

Fundamental Rating

3

Overall LPRO gets a fundamental rating of 3 out of 10. We evaluated LPRO against 233 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 valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year LPRO has reported negative net income.
LPRO had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: LPRO reported negative net income in multiple 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

LPRO's Return On Assets of -45.74% is on the low side compared to the rest of the industry. LPRO is outperformed by 95.71% of its industry peers.
LPRO has a worse Return On Equity (-173.80%) than 90.56% of its industry peers.
Industry RankSector Rank
ROA -45.74%
ROE -173.8%
ROIC N/A
ROA(3y)-7.39%
ROA(5y)-1.44%
ROE(3y)-43.7%
ROE(5y)-76.04%
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

The Profit Margin and Operating Margin and Gross Margin are not available for LPRO so they could not be analyzed.
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

Compared to 1 year ago, LPRO has about the same amount of shares outstanding.
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

LPRO has an Altman-Z score of -0.53. This is a bad value and indicates that LPRO is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of -0.53, LPRO is not doing good in the industry: 81.97% of the companies in the same industry are doing better.
LPRO has a debt to FCF ratio of 46.94. This is a negative value and a sign of low solvency as LPRO would need 46.94 years to pay back of all of its debts.
With a Debt to FCF ratio value of 46.94, LPRO perfoms like the industry average, outperforming 44.21% of the companies in the same industry.
LPRO has a Debt/Equity ratio of 1.63. This is a high value indicating a heavy dependency on external financing.
LPRO's Debt to Equity ratio of 1.63 is on the low side compared to the rest of the industry. LPRO is outperformed by 75.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.63
Debt/FCF 46.94
Altman-Z -0.53
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 6.18. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of LPRO (6.18) is better than 89.70% of its industry peers.
LPRO has a Quick Ratio of 6.18. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
LPRO has a better Quick ratio (6.18) than 89.70% of its industry peers.
Industry RankSector Rank
Current Ratio 6.18
Quick Ratio 6.18
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 -509.09% in the last year.
The Revenue for LPRO has decreased by -83.91% in the past year. This is quite bad
LPRO shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -51.89% yearly.
EPS 1Y (TTM)-509.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-75%
Revenue 1Y (TTM)-83.91%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%-20.66%

3.2 Future

The Earnings Per Share is expected to grow by 31.37% on average over the next years. This is a very strong growth
LPRO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.14% yearly.
EPS Next Y112.49%
EPS Next 2Y52.84%
EPS Next 3Y31.37%
EPS Next 5YN/A
Revenue Next Year-6.66%
Revenue Next 2Y3.75%
Revenue Next 3Y2.35%
Revenue Next 5Y13.14%

3.3 Evolution

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.
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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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for LPRO. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 17.36 indicates a rather expensive valuation of LPRO.
The rest of the industry has a similar Price/Forward Earnings ratio as LPRO.
LPRO is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 17.36
LPRO Price Earnings VS Forward Price EarningsLPRO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

LPRO's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 99.82
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
LPRO's earnings are expected to grow with 31.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y52.84%
EPS Next 3Y31.37%

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0

5. Dividend

5.1 Amount

No dividends for LPRO!.
Industry RankSector Rank
Dividend Yield N/A

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OPEN LENDING CORP

NASDAQ:LPRO (7/11/2025, 8:00:00 PM)

After market: 2.55 +0.1 (+4.08%)

2.45

-0.01 (-0.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)05-07 2025-05-07/amc
Earnings (Next)08-06 2025-08-06/amc
Inst Owners47.25%
Inst Owner Change0%
Ins Owners2.97%
Ins Owner Change1.59%
Market Cap293.49M
Analysts75.71
Price Target3.65 (48.98%)
Short Float %3.24%
Short Ratio1.67
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)0
Avg EPS beat(2)-1338.87%
Min EPS beat(2)-2643.1%
Max EPS beat(2)-34.64%
EPS beat(4)0
Avg EPS beat(4)-703.63%
Min EPS beat(4)-2643.1%
Max EPS beat(4)-34.64%
EPS beat(8)0
Avg EPS beat(8)-386.97%
EPS beat(12)3
Avg EPS beat(12)-262.34%
EPS beat(16)7
Avg EPS beat(16)-189.85%
Revenue beat(2)0
Avg Revenue beat(2)-169.45%
Min Revenue beat(2)-336.02%
Max Revenue beat(2)-2.87%
Revenue beat(4)0
Avg Revenue beat(4)-94.03%
Min Revenue beat(4)-336.02%
Max Revenue beat(4)-2.87%
Revenue beat(8)2
Avg Revenue beat(8)-54.3%
Revenue beat(12)5
Avg Revenue beat(12)-35.33%
Revenue beat(16)9
Avg Revenue beat(16)-23.21%
PT rev (1m)0%
PT rev (3m)-43.89%
EPS NQ rev (1m)-26.56%
EPS NQ rev (3m)-35.71%
EPS NY rev (1m)-22.86%
EPS NY rev (3m)-69.55%
Revenue NQ rev (1m)-1.48%
Revenue NQ rev (3m)-0.91%
Revenue NY rev (1m)-0.84%
Revenue NY rev (3m)-2.08%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 17.36
P/S 16.61
P/FCF 99.82
P/OCF 92.88
P/B 3.67
P/tB 3.93
EV/EBITDA N/A
EPS(TTM)-0.45
EYN/A
EPS(NY)0.14
Fwd EY5.76%
FCF(TTM)0.02
FCFY1%
OCF(TTM)0.03
OCFY1.08%
SpS0.15
BVpS0.67
TBVpS0.62
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -45.74%
ROE -173.8%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 16.64%
ROA(3y)-7.39%
ROA(5y)-1.44%
ROE(3y)-43.7%
ROE(5y)-76.04%
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-Score2
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 1.63
Debt/FCF 46.94
Debt/EBITDA N/A
Cap/Depr 11.96%
Cap/Sales 1.24%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 6.18
Quick Ratio 6.18
Altman-Z -0.53
F-Score2
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)22.23%
Cap/Depr(5y)63.03%
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)-509.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-75%
EPS Next Y112.49%
EPS Next 2Y52.84%
EPS Next 3Y31.37%
EPS Next 5YN/A
Revenue 1Y (TTM)-83.91%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%-20.66%
Revenue Next Year-6.66%
Revenue Next 2Y3.75%
Revenue Next 3Y2.35%
Revenue Next 5Y13.14%
EBIT growth 1Y-474.97%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year43.84%
EBIT Next 3Y26.61%
EBIT Next 5YN/A
FCF growth 1Y-97.19%
FCF growth 3Y-42.38%
FCF growth 5YN/A
OCF growth 1Y-96.99%
OCF growth 3Y-42.6%
OCF growth 5YN/A