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OPEN LENDING CORP (LPRO) Stock Fundamental Analysis

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

2.06  -0.1 (-4.63%)

After market: 2.06 0 (0%)

Fundamental Rating

3

Taking everything into account, LPRO scores 3 out of 10 in our fundamental rating. LPRO was compared to 232 industry peers in the Capital Markets industry. LPRO scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. 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.
In the past year LPRO had a positive cash flow from operations.
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

Looking at the Return On Assets, with a value of -45.74%, LPRO is doing worse than 95.26% of the companies in the same industry.
Looking at the Return On Equity, with a value of -173.80%, LPRO is doing worse than 90.09% of the companies in the same industry.
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

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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4

2. Health

2.1 Basic Checks

The number of shares outstanding for LPRO remains at a similar level compared to 1 year ago.
The number of shares outstanding for LPRO has been increased compared to 5 years ago.
LPRO has a worse debt/assets ratio than last year.
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 -0.63, we must say that LPRO is in the distress zone and has some risk of bankruptcy.
LPRO's Altman-Z score of -0.63 is on the low side compared to the rest of the industry. LPRO is outperformed by 83.19% of its industry peers.
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.
LPRO's Debt to FCF ratio of 46.94 is in line compared to the rest of the industry. LPRO outperforms 42.67% of its industry peers.
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 74.57% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.63
Debt/FCF 46.94
Altman-Z -0.63
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.
With an excellent Current ratio value of 6.18, LPRO belongs to the best of the industry, outperforming 89.66% of the companies in the same industry.
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's Quick ratio of 6.18 is amongst the best of the industry. LPRO outperforms 89.66% 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

LPRO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -509.09%.
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

LPRO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 32.30% yearly.
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 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

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

The Price/Earnings Ratio is negative for LPRO. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 21.26, the valuation of LPRO can be described as rather expensive.
The rest of the industry has a similar Price/Forward Earnings ratio as LPRO.
The average S&P500 Price/Forward Earnings ratio is at 22.13. LPRO is around the same levels.
Industry RankSector Rank
PE N/A
Fwd PE 21.26
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

The rest of the industry has a similar Price/Free Cash Flow ratio as LPRO.
Industry RankSector Rank
P/FCF 83.93
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.
A more expensive valuation may be justified as LPRO's earnings are expected to grow with 32.30% in the coming years.
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 (6/13/2025, 8:18:16 PM)

After market: 2.06 0 (0%)

2.06

-0.1 (-4.63%)

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 Change1.24%
Ins Owners2.97%
Ins Owner Change0.89%
Market Cap246.77M
Analysts75.71
Price Target3.65 (77.18%)
Short Float %3.77%
Short Ratio1.02
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)9.41%
PT rev (3m)-48.81%
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)0.25%
Revenue NY rev (3m)-17.95%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 21.26
P/S 13.96
P/FCF 83.93
P/OCF 78.09
P/B 3.08
P/tB 3.31
EV/EBITDA N/A
EPS(TTM)-0.45
EYN/A
EPS(NY)0.1
Fwd EY4.7%
FCF(TTM)0.02
FCFY1.19%
OCF(TTM)0.03
OCFY1.28%
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 -0.63
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 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-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