OPEN LENDING CORP (LPRO) Fundamental Analysis & Valuation

NASDAQ:LPRO • US68373J1043

Current stock price

1.77 USD
+0.1 (+5.99%)
Last:

This LPRO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. LPRO Profitability Analysis

1.1 Basic Checks

  • LPRO had positive earnings in the past year.
  • In the past year LPRO has reported a negative 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 4 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 2025 0 50M -50M 100M -100M 150M

1.2 Ratios

  • With a Return On Assets value of -1.79%, LPRO is not doing good in the industry: 77.92% of the companies in the same industry are doing better.
  • LPRO has a Return On Equity of -5.65%. This is in the lower half of the industry: LPRO underperforms 74.17% of its industry peers.
Industry RankSector Rank
ROA -1.79%
ROE -5.65%
ROIC N/A
ROA(3y)-13.81%
ROA(5y)4.39%
ROE(3y)-55.94%
ROE(5y)-8.93%
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 2025 0 -100 -200 -300

1.3 Margins

  • Looking at the Gross Margin, with a value of 76.88%, LPRO belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
  • In the last couple of years the Gross Margin of LPRO has declined.
  • LPRO does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 76.88%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-4.72%
GM growth 5Y-3.32%
LPRO Yearly Profit, Operating, Gross MarginsLPRO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -200 -400

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. LPRO Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, LPRO has less shares outstanding
  • The number of shares outstanding for LPRO has been reduced compared to 5 years ago.
  • Compared to 1 year ago, LPRO has an improved debt to assets ratio.
LPRO Yearly Shares OutstandingLPRO Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 100M 200M 300M

2.2 Solvency

  • LPRO has an Altman-Z score of 0.01. This is a bad value and indicates that LPRO is not financially healthy and even has some risk of bankruptcy.
  • LPRO has a Altman-Z score of 0.01. This is in the lower half of the industry: LPRO underperforms 76.25% of its industry peers.
  • A Debt/Equity ratio of 1.03 is on the high side and indicates that LPRO has dependencies on debt financing.
  • LPRO has a Debt to Equity ratio (1.03) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF N/A
Altman-Z 0.01
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 2025 0 50M 100M 150M 200M 250M

2.3 Liquidity

  • LPRO has a Current Ratio of 4.52. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
  • LPRO has a better Current ratio (4.52) than 87.92% of its industry peers.
  • A Quick Ratio of 4.52 indicates that LPRO has no problem at all paying its short term obligations.
  • The Quick ratio of LPRO (4.52) is better than 87.92% of its industry peers.
Industry RankSector Rank
Current Ratio 4.52
Quick Ratio 4.52
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 2025 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. LPRO Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 114.29% over the past year.
  • The earnings per share for LPRO have been decreasing by -51.32% on average. This is quite bad
  • The Revenue has grown by 288.02% in the past year. This is a very strong growth!
  • LPRO shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.06% yearly.
EPS 1Y (TTM)114.29%
EPS 3Y-51.32%
EPS 5YN/A
EPS Q2Q%102.04%
Revenue 1Y (TTM)288.02%
Revenue growth 3Y-19.64%
Revenue growth 5Y-3.06%
Sales Q2Q%133.98%

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 57.54% on average per year.
  • LPRO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.63% yearly.
EPS Next Y84.33%
EPS Next 2Y65.78%
EPS Next 3Y57.54%
EPS Next 5YN/A
Revenue Next Year5.51%
Revenue Next 2Y9.68%
Revenue Next 3Y5.45%
Revenue Next 5Y15.63%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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 2028 0 0.5 -0.5 1 -1

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Find the best growth stocksShow best growing peers

3

4. LPRO Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 29.50, LPRO can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, LPRO is valued a bit more expensive than 72.50% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.42. LPRO is around the same levels.
  • A Price/Forward Earnings ratio of 16.00 indicates a correct valuation of LPRO.
  • The rest of the industry has a similar Price/Forward Earnings ratio as LPRO.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.24, LPRO is valued a bit cheaper.
Industry RankSector Rank
PE 29.5
Fwd PE 16
LPRO Price Earnings VS Forward Price EarningsLPRO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 0.4 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 57.54% in the coming years.
PEG (NY)0.35
PEG (5Y)N/A
EPS Next 2Y65.78%
EPS Next 3Y57.54%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. LPRO Dividend Analysis

5.1 Amount

  • LPRO does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

LPRO Fundamentals: All Metrics, Ratios and Statistics

OPEN LENDING CORP

NASDAQ:LPRO (4/24/2026, 8:00:01 PM)

1.77

+0.1 (+5.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)03-12
Earnings (Next)05-07
Inst Owners63.47%
Inst Owner Change0.23%
Ins Owners1.22%
Ins Owner Change0.3%
Market Cap208.29M
Revenue(TTM)93.22M
Net Income(TTM)-4.24M
Analysts74.29
Price Target2.14 (20.9%)
Short Float %2.68%
Short Ratio4.46
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)1
Avg Revenue beat(2)-3.13%
Min Revenue beat(2)-13.45%
Max Revenue beat(2)7.19%
Revenue beat(4)2
Avg Revenue beat(4)-1.24%
Min Revenue beat(4)-13.45%
Max Revenue beat(4)7.19%
Revenue beat(8)3
Avg Revenue beat(8)-46.62%
Revenue beat(12)5
Avg Revenue beat(12)-34.96%
Revenue beat(16)8
Avg Revenue beat(16)-26.17%
PT rev (1m)-21.5%
PT rev (3m)-21.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-61.1%
EPS NY rev (1m)-6.73%
EPS NY rev (3m)-6.73%
Revenue NQ rev (1m)0.93%
Revenue NQ rev (3m)-18.9%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)-2.28%
Valuation
Industry RankSector Rank
PE 29.5
Fwd PE 16
P/S 2.23
P/FCF N/A
P/OCF N/A
P/B 2.78
P/tB 2.94
EV/EBITDA N/A
EPS(TTM)0.06
EY3.39%
EPS(NY)0.11
Fwd EY6.25%
FCF(TTM)-0.04
FCFYN/A
OCF(TTM)-0.03
OCFYN/A
SpS0.79
BVpS0.64
TBVpS0.6
PEG (NY)0.35
PEG (5Y)N/A
Graham Number0.927322 (-47.61%)
Profitability
Industry RankSector Rank
ROA -1.79%
ROE -5.65%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 76.88%
FCFM N/A
ROA(3y)-13.81%
ROA(5y)4.39%
ROE(3y)-55.94%
ROE(5y)-8.93%
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 3Y-4.72%
GM growth 5Y-3.32%
F-Score6
Asset Turnover0.39
Health
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 42.74%
Cap/Sales 1.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 4.52
Quick Ratio 4.52
Altman-Z 0.01
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)154.47%
Cap/Depr(5y)138.27%
Cap/Sales(3y)6.39%
Cap/Sales(5y)4.09%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)114.29%
EPS 3Y-51.32%
EPS 5YN/A
EPS Q2Q%102.04%
EPS Next Y84.33%
EPS Next 2Y65.78%
EPS Next 3Y57.54%
EPS Next 5YN/A
Revenue 1Y (TTM)288.02%
Revenue growth 3Y-19.64%
Revenue growth 5Y-3.06%
Sales Q2Q%133.98%
Revenue Next Year5.51%
Revenue Next 2Y9.68%
Revenue Next 3Y5.45%
Revenue Next 5Y15.63%
EBIT growth 1Y92.34%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year733.07%
EBIT Next 3Y116.39%
EBIT Next 5YN/A
FCF growth 1Y-130.83%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-118.15%
OCF growth 3YN/A
OCF growth 5YN/A

OPEN LENDING CORP / LPRO Fundamental Analysis FAQ

What is the fundamental rating for LPRO stock?

ChartMill assigns a fundamental rating of 4 / 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.


How profitable is OPEN LENDING CORP (LPRO) stock?

OPEN LENDING CORP (LPRO) has a profitability rating of 2 / 10.


How financially healthy is OPEN LENDING CORP?

The financial health rating of OPEN LENDING CORP (LPRO) is 5 / 10.


What is the expected EPS growth for OPEN LENDING CORP (LPRO) stock?

The Earnings per Share (EPS) of OPEN LENDING CORP (LPRO) is expected to grow by 84.33% in the next year.