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OPEN LENDING CORP (LPRO) Stock Fundamental Analysis

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

2.23  -0.02 (-0.89%)

After market: 2.23 0 (0%)

Fundamental Rating

3

Taking everything into account, LPRO scores 3 out of 10 in our fundamental rating. LPRO was compared to 237 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 has a valuation in line with the averages, but 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.
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 Return On Assets of -45.85%. This is amonst the worse of the industry: LPRO underperforms 95.36% of its industry peers.
With a Return On Equity value of -174.73%, LPRO is not doing good in the industry: 90.30% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -45.85%
ROE -174.73%
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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4

2. Health

2.1 Basic Checks

Compared to 1 year ago, LPRO has more shares outstanding
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 -0.59, we must say that LPRO is in the distress zone and has some risk of bankruptcy.
LPRO has a worse Altman-Z score (-0.59) than 80.59% of its industry peers.
The Debt to FCF ratio of LPRO is 54.09, which is on the high side as it means it would take LPRO, 54.09 years of fcf income to pay off all of its debts.
LPRO's Debt to FCF ratio of 54.09 is in line compared to the rest of the industry. LPRO outperforms 43.04% of 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 has a worse Debt to Equity ratio (1.63) than 75.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.63
Debt/FCF 54.09
Altman-Z -0.59
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.
The Current ratio of LPRO (6.21) is better than 89.87% of its industry peers.
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.
LPRO has a better Quick ratio (6.21) than 89.87% 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

LPRO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1250.00%.
Looking at the last year, LPRO shows a very negative growth in Revenue. The Revenue has decreased by -79.55% 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)-1250%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-50%
Revenue 1Y (TTM)-79.55%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%-5.3%

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 31.37% 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 Y112.49%
EPS Next 2Y52.84%
EPS Next 3Y31.37%
EPS Next 5YN/A
Revenue Next Year-6.66%
Revenue Next 2Y3.75%
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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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for LPRO. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 15.80, LPRO is valued correctly.
LPRO's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.04, LPRO is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 15.8
LPRO Price Earnings VS Forward Price EarningsLPRO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as LPRO.
Industry RankSector Rank
P/FCF 104.76
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 31.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y52.84%
EPS Next 3Y31.37%

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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 (8/8/2025, 4:30:01 PM)

After market: 2.23 0 (0%)

2.23

-0.02 (-0.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-05 2025-11-05/amc
Inst Owners47.25%
Inst Owner Change6.35%
Ins Owners2.97%
Ins Owner Change1.59%
Market Cap267.13M
Analysts75.71
Price Target3.57 (60.09%)
Short Float %2.43%
Short Ratio2.15
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)-1338.87%
Min EPS beat(2)-2643.1%
Max EPS beat(2)-34.64%
EPS beat(4)0
Avg EPS beat(4)-703.63%
Min EPS beat(4)-2643.1%
Max EPS beat(4)-34.64%
EPS beat(8)0
Avg EPS beat(8)-386.97%
EPS beat(12)3
Avg EPS beat(12)-262.34%
EPS beat(16)7
Avg EPS beat(16)-189.85%
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)-3.52%
PT rev (3m)5.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-35.71%
EPS NY rev (1m)-6.49%
EPS NY rev (3m)-28.24%
Revenue NQ rev (1m)-1.07%
Revenue NQ rev (3m)-0.91%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)-1.49%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 15.8
P/S 15.12
P/FCF 104.76
P/OCF 96.79
P/B 3.35
P/tB 3.59
EV/EBITDA N/A
EPS(TTM)-0.46
EYN/A
EPS(NY)0.14
Fwd EY6.33%
FCF(TTM)0.02
FCFY0.95%
OCF(TTM)0.02
OCFY1.03%
SpS0.15
BVpS0.67
TBVpS0.62
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -45.85%
ROE -174.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 14.43%
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 54.09
Debt/EBITDA N/A
Cap/Depr 11.36%
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 -0.59
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)-1250%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-50%
EPS Next Y112.49%
EPS Next 2Y52.84%
EPS Next 3Y31.37%
EPS Next 5YN/A
Revenue 1Y (TTM)-79.55%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%-5.3%
Revenue Next Year-6.66%
Revenue Next 2Y3.75%
Revenue Next 3Y2.35%
Revenue Next 5Y13.14%
EBIT growth 1Y-472.68%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year39.23%
EBIT Next 3Y26.61%
EBIT Next 5YN/A
FCF growth 1Y-97.56%
FCF growth 3Y-42.81%
FCF growth 5YN/A
OCF growth 1Y-97.37%
OCF growth 3Y-43.03%
OCF growth 5YN/A