OPEN LENDING CORP (LPRO) Stock Fundamental Analysis
USA - NASDAQ:LPRO - US68373J1043 - Common Stock
1.76 USD
+0.03 (+1.73%)
1.7297 USD
-0.03 (-1.72%)
Overall LPRO gets a fundamental rating of 3 out of 10. We evaluated LPRO against 237 industry peers in the Capital Markets industry. While LPRO seems to be doing ok healthwise, there are quite some concerns on its profitability. LPRO is valued expensive and it does not seem to be growing.
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.
1.2 Ratios
LPRO has a worse Return On Assets (-47.65%) than 94.51% of its industry peers.
LPRO has a worse Return On Equity (-179.04%) than 90.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -47.65% | ||
| ROE | -179.04% | ||
| 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
1.3 Margins
The Profit Margin and Operating Margin and Gross Margin are not available for LPRO so they could not be analyzed.
| Industry Rank | Sector 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
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.
LPRO has a worse debt/assets ratio than last year.
2.2 Solvency
LPRO has an Altman-Z score of -0.87. This is a bad value and indicates that LPRO is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.87, LPRO is doing worse than 82.28% of the companies in the same industry.
LPRO has a debt to FCF ratio of 28.15. This is a negative value and a sign of low solvency as LPRO would need 28.15 years to pay back of all of its debts.
LPRO has a Debt to FCF ratio (28.15) which is in line with its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.63 | ||
| Debt/FCF | 28.15 | ||
| Altman-Z | -0.87 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
LPRO has a Current Ratio of 5.67. 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 5.67, LPRO belongs to the top of the industry, outperforming 89.03% of the companies in the same industry.
A Quick Ratio of 5.67 indicates that LPRO has no problem at all paying its short term obligations.
The Quick ratio of LPRO (5.67) is better than 89.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.67 | ||
| Quick Ratio | 5.67 |
3. Growth
3.1 Past
The earnings per share for LPRO have decreased strongly by -1250.00% in the last year.
LPRO shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -83.48%.
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)-1250%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-50%
Revenue 1Y (TTM)-83.48%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%-5.3%
3.2 Future
The Earnings Per Share is expected to grow by 31.84% on average over the next years. This is a very strong growth
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 3Y31.84%
EPS Next 5YN/A
Revenue Next Year-8.44%
Revenue Next 2Y1.13%
Revenue Next 3Y3.85%
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.
4. Valuation
4.1 Price/Earnings Ratio
LPRO reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 18.58, 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.
The average S&P500 Price/Forward Earnings ratio is at 22.35. LPRO is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 18.58 |
4.2 Price Multiples
LPRO's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 43 | ||
| EV/EBITDA | N/A |
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 31.84% 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 3Y31.84%
5. Dividend
5.1 Amount
No dividends for LPRO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
1.76
+0.03 (+1.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners62.69%
Inst Owner Change-1.19%
Ins Owners3.06%
Ins Owner Change1.19%
Market Cap207.98M
Revenue(TTM)16.25M
Net Income(TTM)-141348000
Analysts75.71
Price Target3.79 (115.34%)
Short Float %2.02%
Short Ratio3.25
Dividend
| Industry Rank | Sector 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)1
Avg EPS beat(2)-10.12%
Min EPS beat(2)-34.64%
Max EPS beat(2)14.4%
EPS beat(4)1
Avg EPS beat(4)-685.54%
Min EPS beat(4)-2643.1%
Max EPS beat(4)14.4%
EPS beat(8)1
Avg EPS beat(8)-385.04%
EPS beat(12)3
Avg EPS beat(12)-261.28%
EPS beat(16)7
Avg EPS beat(16)-192.27%
Revenue beat(2)1
Avg Revenue beat(2)0.65%
Min Revenue beat(2)-2.87%
Max Revenue beat(2)4.16%
Revenue beat(4)1
Avg Revenue beat(4)-89.1%
Min Revenue beat(4)-336.02%
Max Revenue beat(4)4.16%
Revenue beat(8)2
Avg Revenue beat(8)-54.43%
Revenue beat(12)5
Avg Revenue beat(12)-35.44%
Revenue beat(16)9
Avg Revenue beat(16)-24.34%
PT rev (1m)4.91%
PT rev (3m)7.51%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)-100%
EPS NY rev (1m)0%
EPS NY rev (3m)-47.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 18.58 | ||
| P/S | 12.79 | ||
| P/FCF | 43 | ||
| P/OCF | 41.53 | ||
| P/B | 2.63 | ||
| P/tB | 2.82 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.46
EYN/A
EPS(NY)0.09
Fwd EY5.38%
FCF(TTM)0.04
FCFY2.33%
OCF(TTM)0.04
OCFY2.41%
SpS0.14
BVpS0.67
TBVpS0.62
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -47.65% | ||
| ROE | -179.04% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 29.76% |
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-Score3
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.63 | ||
| Debt/FCF | 28.15 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 8.47% | ||
| Cap/Sales | 1.05% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 5.67 | ||
| Quick Ratio | 5.67 | ||
| Altman-Z | -0.87 |
F-Score3
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)-1250%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-50%
EPS Next Y106.53%
EPS Next 2Y49.18%
EPS Next 3Y31.84%
EPS Next 5YN/A
Revenue 1Y (TTM)-83.48%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%-5.3%
Revenue Next Year-8.44%
Revenue Next 2Y1.13%
Revenue Next 3Y3.85%
Revenue Next 5Y13.14%
EBIT growth 1Y-1087.1%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-13.33%
EBIT Next 3Y29.36%
EBIT Next 5YN/A
FCF growth 1Y-95.12%
FCF growth 3Y-42.81%
FCF growth 5YN/A
OCF growth 1Y-94.96%
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 3 / 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 4 / 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.