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OPEN LENDING CORP (LPRO) Stock Fundamental Analysis

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

1.77 USD
+0.05 (+2.91%)
Last: 1/9/2026, 8:00:02 PM
1.8 USD
+0.03 (+1.69%)
After Hours: 1/9/2026, 8:00:02 PM
Fundamental Rating

2

LPRO gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 235 industry peers in the Capital Markets industry. LPRO may be in some trouble as it scores bad on both profitability and health. LPRO is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

LPRO had negative earnings in the past year.
LPRO had a negative 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

Looking at the Return On Assets, with a value of -52.27%, LPRO is doing worse than 93.19% of the companies in the same industry.
LPRO has a Return On Equity of -206.46%. This is amonst the worse of the industry: LPRO underperforms 88.94% 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 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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3

2. Health

2.1 Basic Checks

Compared to 1 year ago, LPRO has more shares outstanding
Compared to 5 years ago, LPRO has more shares outstanding
The debt/assets ratio for LPRO is higher compared to a year ago.
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 -1.02. This is a bad value and indicates that LPRO is not financially healthy and even has some risk of bankruptcy.
LPRO has a worse Altman-Z score (-1.02) than 84.68% of its industry peers.
LPRO has a Debt/Equity ratio of 1.74. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.74, LPRO is not doing good in the industry: 73.62% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.74
Debt/FCF N/A
Altman-Z -1.02
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

A Current Ratio of 5.59 indicates that LPRO has no problem at all paying its short term obligations.
With an excellent Current ratio value of 5.59, LPRO belongs to the best of the industry, outperforming 86.38% of the companies in the same industry.
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.
LPRO has a Quick ratio of 5.59. This is amongst the best in the industry. LPRO outperforms 86.38% 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

LPRO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1566.67%.
Looking at the last year, LPRO shows a very negative growth in Revenue. The Revenue has decreased by -82.33% in the last year.
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)-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

Based on estimates for the next years, LPRO will show a very strong growth in Earnings Per Share. The EPS will grow by 35.46% on average per year.
The Revenue is expected to grow by 13.14% on average over the next years. This is quite good.
EPS Next Y91.77%
EPS Next 2Y51.07%
EPS Next 3Y35.46%
EPS Next 5YN/A
Revenue Next Year-8.46%
Revenue Next 2Y-0.59%
Revenue Next 3Y4.69%
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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3

4. Valuation

4.1 Price/Earnings Ratio

LPRO reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Based on the Price/Forward Earnings ratio of 14.93, the valuation of LPRO can be described as correct.
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 (23.92), we can say LPRO is valued slightly cheaper.
Industry RankSector Rank
PE N/A
Fwd PE 14.93
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.
A more expensive valuation may be justified as LPRO's earnings are expected to grow with 35.46% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y51.07%
EPS Next 3Y35.46%

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0

5. Dividend

5.1 Amount

No dividends for LPRO!.
Industry RankSector Rank
Dividend Yield 0%

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OPEN LENDING CORP

NASDAQ:LPRO (1/9/2026, 8:00:02 PM)

After market: 1.8 +0.03 (+1.69%)

1.77

+0.05 (+2.91%)

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 Owners64.24%
Inst Owner Change0%
Ins Owners3.12%
Ins Owner Change0.18%
Market Cap209.20M
Revenue(TTM)16.95M
Net Income(TTM)-150.35M
Analysts74.67
Price Target2.7 (52.54%)
Short Float %2.29%
Short Ratio3.56
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)-28.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)50%
EPS NY rev (1m)-41.88%
EPS NY rev (3m)-226.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.03%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 14.93
P/S 12.34
P/FCF N/A
P/OCF N/A
P/B 2.87
P/tB 3.07
EV/EBITDA N/A
EPS(TTM)-0.44
EYN/A
EPS(NY)0.12
Fwd EY6.7%
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 -1.02
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 Y91.77%
EPS Next 2Y51.07%
EPS Next 3Y35.46%
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-8.46%
Revenue Next 2Y-0.59%
Revenue Next 3Y4.69%
Revenue Next 5Y13.14%
EBIT growth 1Y-1821.17%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-5.51%
EBIT Next 3Y23.78%
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.


Can you provide the valuation status for OPEN LENDING CORP?

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.


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

The financial health rating of OPEN LENDING CORP (LPRO) is 3 / 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 91.77% in the next year.