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OPEN LENDING CORP (LPRO) Stock Fundamental Analysis

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

1.96  -0.09 (-4.39%)

After market: 1.87 -0.09 (-4.59%)

Fundamental Rating

3

LPRO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 230 industry peers in the Capital Markets industry. The financial health of LPRO is average, but there are quite some concerns on its profitability. 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.
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

LPRO's Return On Assets of -45.85% is on the low side compared to the rest of the industry. LPRO is outperformed by 94.35% of its industry peers.
LPRO has a worse Return On Equity (-174.72%) than 88.26% of its industry peers.
Industry RankSector Rank
ROA -45.85%
ROE -174.72%
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

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

LPRO has more shares outstanding than it did 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 -0.66, we must say that LPRO is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -0.66, LPRO is not doing good in the industry: 83.48% of the companies in the same industry are doing better.
The Debt to FCF ratio of LPRO is 54.22, which is on the high side as it means it would take LPRO, 54.22 years of fcf income to pay off all of its debts.
LPRO has a Debt to FCF ratio (54.22) which 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.
Looking at the Debt to Equity ratio, with a value of 1.63, LPRO is doing worse than 73.48% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.63
Debt/FCF 54.22
Altman-Z -0.66
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 6.21. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 6.21, LPRO belongs to the best of the industry, outperforming 90.87% of the companies in the same industry.
LPRO has a Quick Ratio of 6.21. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of LPRO (6.21) is better than 90.87% of its industry peers.
Industry RankSector Rank
Current Ratio 6.21
Quick Ratio 6.21
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.
Looking at the last year, LPRO shows a very negative growth in Revenue. The Revenue has decreased by -83.91% in the last year.
The Revenue for LPRO have been decreasing by -51.89% on average. This is quite bad
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

Based on estimates for the next years, LPRO will show a very strong growth in Earnings Per Share. The EPS will grow by 32.30% on average per year.
Based on estimates for the next years, LPRO will show a quite strong growth in Revenue. The Revenue will grow by 13.14% on average per year.
EPS Next Y116.19%
EPS Next 2Y49.36%
EPS Next 3Y32.3%
EPS Next 5YN/A
Revenue Next Year-5.87%
Revenue Next 2Y0.2%
Revenue Next 3Y2.35%
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.
Based on the Price/Forward Earnings ratio of 20.23, the valuation of LPRO can be described as rather expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LPRO is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of LPRO to the average of the S&P500 Index (21.94), we can say LPRO is valued inline with the index average.
Industry RankSector Rank
PE N/A
Fwd PE 20.23
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 92.28
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.
LPRO's earnings are expected to grow with 32.30% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.36%
EPS Next 3Y32.3%

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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 (5/21/2025, 8:00:00 PM)

After market: 1.87 -0.09 (-4.59%)

1.96

-0.09 (-4.39%)

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 Owners70.96%
Inst Owner Change1.26%
Ins Owners2.77%
Ins Owner Change0.63%
Market Cap234.77M
Analysts75.71
Price Target3.34 (70.41%)
Short Float %3.38%
Short Ratio0.96
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)-1334.78%
Min EPS beat(2)-2643.1%
Max EPS beat(2)-26.45%
EPS beat(4)0
Avg EPS beat(4)-701.59%
Min EPS beat(4)-2643.1%
Max EPS beat(4)-26.45%
EPS beat(8)0
Avg EPS beat(8)-385.95%
EPS beat(12)3
Avg EPS beat(12)-261.66%
EPS beat(16)7
Avg EPS beat(16)-189.34%
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)-48.71%
PT rev (3m)-53.21%
EPS NQ rev (1m)-12.45%
EPS NQ rev (3m)-76.66%
EPS NY rev (1m)-6.98%
EPS NY rev (3m)-64.28%
Revenue NQ rev (1m)0.58%
Revenue NQ rev (3m)-20.63%
Revenue NY rev (1m)-1.26%
Revenue NY rev (3m)-17.95%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 20.23
P/S 13.28
P/FCF 92.28
P/OCF 85.25
P/B 2.94
P/tB 3.15
EV/EBITDA N/A
EPS(TTM)-0.45
EYN/A
EPS(NY)0.1
Fwd EY4.94%
FCF(TTM)0.02
FCFY1.08%
OCF(TTM)0.02
OCFY1.17%
SpS0.15
BVpS0.67
TBVpS0.62
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -45.85%
ROE -174.72%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 14.4%
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-Score2
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 1.63
Debt/FCF 54.22
Debt/EBITDA N/A
Cap/Depr 11.38%
Cap/Sales 1.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 6.21
Quick Ratio 6.21
Altman-Z -0.66
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)-509.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-75%
EPS Next Y116.19%
EPS Next 2Y49.36%
EPS Next 3Y32.3%
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-5.87%
Revenue Next 2Y0.2%
Revenue Next 3Y2.35%
Revenue Next 5Y13.14%
EBIT growth 1Y-472.62%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year64.93%
EBIT Next 3Y29.92%
EBIT Next 5YN/A
FCF growth 1Y-97.57%
FCF growth 3Y-42.81%
FCF growth 5YN/A
OCF growth 1Y-97.38%
OCF growth 3Y-43.03%
OCF growth 5YN/A