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OPEN LENDING CORP (LPRO) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:LPRO - US68373J1043 - Common Stock

1.82 USD
-0.09 (-4.71%)
Last: 12/1/2025, 3:07:02 PM
Fundamental Rating

2

LPRO gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 238 industry peers in the Capital Markets industry. LPRO has a bad profitability rating. Also its financial health evaluation is rather negative. LPRO does not seem to be growing, but still is valued expensively.


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.
In the past year LPRO has reported a negative cash flow from operations.
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 has a worse Return On Assets (-52.27%) than 93.70% of its industry peers.
Looking at the Return On Equity, with a value of -206.46%, LPRO is doing worse than 89.92% of the companies in the same industry.
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 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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3

2. Health

2.1 Basic Checks

Compared to 1 year ago, LPRO has more shares outstanding
The number of shares outstanding for LPRO has been increased compared to 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 -0.97, we must say that LPRO is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.97, LPRO is doing worse than 83.61% 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.
LPRO has a Debt to Equity ratio of 1.74. This is in the lower half of the industry: LPRO underperforms 75.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.74
Debt/FCF N/A
Altman-Z -0.97
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 5.59. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
LPRO's Current ratio of 5.59 is amongst the best of the industry. LPRO outperforms 87.39% of its industry peers.
A Quick Ratio of 5.59 indicates that LPRO has no problem at all paying its short term obligations.
LPRO has a Quick ratio of 5.59. This is amongst the best in the industry. LPRO outperforms 87.39% of its industry peers.
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 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 -1566.67% in the last year.
The Revenue for LPRO has decreased by -82.33% in the past year. This is quite bad
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)-1566.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
Revenue 1Y (TTM)-82.33%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%2.95%

3.2 Future

LPRO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.07% yearly.
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 3Y33.07%
EPS Next 5YN/A
Revenue Next Year-8.44%
Revenue Next 2Y1.13%
Revenue Next 3Y5.57%
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.
The Price/Forward Earnings ratio is 19.22, which indicates a rather expensive current valuation of LPRO.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LPRO is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.56, LPRO is valued a bit cheaper.
Industry RankSector Rank
PE N/A
Fwd PE 19.22
LPRO Price Earnings VS Forward Price EarningsLPRO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 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 -0.2 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 33.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.18%
EPS Next 3Y33.07%

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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 (12/1/2025, 3:07:02 PM)

1.82

-0.09 (-4.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)03-30 2026-03-30/amc
Inst Owners62.69%
Inst Owner Change-0.86%
Ins Owners3.06%
Ins Owner Change0.92%
Market Cap215.11M
Revenue(TTM)16.95M
Net Income(TTM)-150.35M
Analysts75.71
Price Target2.7 (48.35%)
Short Float %1.94%
Short Ratio2.8
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)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)-28.7%
PT rev (3m)-25.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-36.35%
EPS NY rev (1m)0%
EPS NY rev (3m)-38.31%
Revenue NQ rev (1m)-8.81%
Revenue NQ rev (3m)-11.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.09%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 19.22
P/S 12.69
P/FCF N/A
P/OCF N/A
P/B 2.95
P/tB 3.15
EV/EBITDA N/A
EPS(TTM)-0.44
EYN/A
EPS(NY)0.09
Fwd EY5.2%
FCF(TTM)-0.1
FCFYN/A
OCF(TTM)-0.1
OCFYN/A
SpS0.14
BVpS0.62
TBVpS0.58
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
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 2.79%
Cap/Sales 0.35%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 5.59
Quick Ratio 5.59
Altman-Z -0.97
F-Score2
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)-1566.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
EPS Next Y106.53%
EPS Next 2Y49.18%
EPS Next 3Y33.07%
EPS Next 5YN/A
Revenue 1Y (TTM)-82.33%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%2.95%
Revenue Next Year-8.44%
Revenue Next 2Y1.13%
Revenue Next 3Y5.57%
Revenue Next 5Y13.14%
EBIT growth 1Y-1821.17%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-13.33%
EBIT Next 3Y29.36%
EBIT Next 5YN/A
FCF growth 1Y-113.7%
FCF growth 3Y-42.81%
FCF growth 5YN/A
OCF growth 1Y-113.61%
OCF growth 3Y-43.03%
OCF growth 5YN/A

OPEN LENDING CORP / LPRO FAQ

What is the fundamental rating for LPRO stock?

ChartMill assigns a fundamental rating of 2 / 10 to LPRO.


What is the valuation status of OPEN LENDING CORP (LPRO) stock?

ChartMill assigns a valuation rating of 3 / 10 to OPEN LENDING CORP (LPRO). This can be considered as Overvalued.


What is the profitability of LPRO stock?

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


How financially healthy is OPEN LENDING CORP?

The financial health rating of OPEN LENDING CORP (LPRO) is 3 / 10.


Can you provide the expected EPS growth for LPRO stock?

The Earnings per Share (EPS) of OPEN LENDING CORP (LPRO) is expected to grow by 106.53% in the next year.