LPRO Fundamental Analysis - OPEN LENDING CORP

Fundamental Rating

LPRO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 233 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.

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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.

In the past 5 years LPRO always reported a positive cash flow from operatings.

1.2 Ratios

LPRO has a Return On Assets of -45.74%. This is amonst the worse of the industry: LPRO underperforms 95.71% of its industry peers.

With a Return On Equity value of -173.80%, LPRO is not doing good in the industry: 90.56% of the companies in the same industry are doing better.

		Industry Rank	Sector 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

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 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The number of shares outstanding for LPRO remains at a similar level compared to 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.

2.2 Solvency

LPRO has an Altman-Z score of -0.53. 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 -0.53, LPRO is doing worse than 81.97% of the companies in the same industry.

The Debt to FCF ratio of LPRO is 46.94, which is on the high side as it means it would take LPRO, 46.94 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 46.94, LPRO is in line with its industry, outperforming 44.21% of the companies in the same industry.

LPRO has a Debt/Equity ratio of 1.63. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 1.63, LPRO is doing worse than 75.11% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.63
Debt/FCF	46.94
Altman-Z	-0.53

ROIC/WACCN/A

WACCN/A

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.

LPRO's Current ratio of 6.18 is amongst the best of the industry. LPRO outperforms 89.70% of its industry peers.

A Quick Ratio of 6.18 indicates that LPRO has no problem at all paying its short term obligations.

LPRO has a better Quick ratio (6.18) than 89.70% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	6.18
Quick Ratio	6.18

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for LPRO have decreased strongly by -509.09% in the last year.

LPRO shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -83.91%.

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

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.

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 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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for LPRO. In the last year negative earnings were reported.

A Price/Forward Earnings ratio of 17.75 indicates a rather expensive 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 35.19. LPRO is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	17.75

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 Rank	Sector Rank
P/FCF	102.07
EV/EBITDA	N/A

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 31.37% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y52.84%

EPS Next 3Y31.37%

More info and screens

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5. Dividend

5.1 Amount

LPRO does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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OPEN LENDING CORP

NASDAQ:LPRO (7/14/2025, 3:41:13 PM)

2.505

+0.05 (+2.24%)

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 Change0%

Ins Owners2.97%

Ins Owner Change1.59%

Market Cap300.07M

Analysts75.71

Price Target3.65 (45.71%)

Short Float %3.24%

Short Ratio1.67

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)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)0%

PT rev (3m)-43.89%

EPS NQ rev (1m)-26.56%

EPS NQ rev (3m)-35.71%

EPS NY rev (1m)-22.86%

EPS NY rev (3m)-69.55%

Revenue NQ rev (1m)-1.48%

Revenue NQ rev (3m)-0.91%

Revenue NY rev (1m)-0.84%

Revenue NY rev (3m)-2.08%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	17.75
P/S	16.98
P/FCF	102.07
P/OCF	94.96
P/B	3.75
P/tB	4.02
EV/EBITDA	N/A

EPS(TTM)-0.45

EYN/A

EPS(NY)0.14

Fwd EY5.63%

FCF(TTM)0.02

FCFY0.98%

OCF(TTM)0.03

OCFY1.05%

SpS0.15

BVpS0.67

TBVpS0.62

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector 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 Rank	Sector 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	-0.53

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 Y112.49%

EPS Next 2Y52.84%

EPS Next 3Y31.37%

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-6.66%

Revenue Next 2Y3.75%

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

OPEN LENDING CORP (LPRO) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens