OPEN LENDING CORP (LPRO) Stock Fundamental Analysis

NASDAQ:LPRO • US68373J1043

1.37 USD
-0.03 (-2.14%)
At close: Feb 18, 2026
1.32 USD
-0.05 (-3.65%)
After Hours: 2/18/2026, 6:13:16 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

LPRO gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 237 industry peers in the Capital Markets industry. LPRO has a bad profitability rating. Also its financial health evaluation is rather negative. LPRO has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • LPRO had negative earnings in the past year.
  • LPRO had a negative 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.
  • In the past 5 years LPRO always reported a positive cash flow from operatings.
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 -52.27%, LPRO is doing worse than 93.25% of the companies in the same industry.
  • LPRO's Return On Equity of -206.46% is on the low side compared to the rest of the industry. LPRO is outperformed by 89.87% of its industry peers.
Industry RankSector Rank
ROA -52.27%
ROE -206.46%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • LPRO has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for LPRO has been increased compared to 5 years ago.
  • The debt/assets ratio for LPRO is higher compared to a year ago.
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

  • LPRO has an Altman-Z score of -1.14. This is a bad value and indicates that LPRO is not financially healthy and even has some risk of bankruptcy.
  • LPRO has a worse Altman-Z score (-1.14) than 86.08% of its industry peers.
  • LPRO has a Debt/Equity ratio of 1.74. This is a high value indicating a heavy dependency on external financing.
  • LPRO's Debt to Equity ratio of 1.74 is on the low side compared to the rest of the industry. LPRO is outperformed by 74.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.74
Debt/FCF N/A
Altman-Z -1.14
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

  • A Current Ratio of 5.59 indicates that LPRO has no problem at all paying its short term obligations.
  • The Current ratio of LPRO (5.59) is better than 86.08% of its industry peers.
  • LPRO has a Quick Ratio of 5.59. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Quick ratio value of 5.59, LPRO belongs to the best of the industry, outperforming 86.08% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 5.59
Quick Ratio 5.59
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

More info and screens

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

3

3. Growth

3.1 Past

  • The earnings per share for LPRO have decreased strongly by -1566.67% in the last year.
  • The Revenue for LPRO has decreased by -82.33% in the past year. This is quite bad
  • 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)-1566.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
Revenue 1Y (TTM)-82.33%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%2.95%

3.2 Future

  • LPRO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.46% yearly.
  • The Revenue is expected to grow by 13.14% on average over the next years. This is quite good.
EPS Next Y91.77%
EPS Next 2Y51.07%
EPS Next 3Y35.46%
EPS Next 5YN/A
Revenue Next Year-8.46%
Revenue Next 2Y-0.59%
Revenue Next 3Y4.69%
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

More info and screens

Find the best growth stocksShow best growing peers

4

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 11.55, which indicates a very decent valuation of LPRO.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of LPRO indicates a somewhat cheap valuation: LPRO is cheaper than 62.03% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.16, LPRO is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 11.55
LPRO Price Earnings VS Forward Price EarningsLPRO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30 40

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 -0.2 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.
  • LPRO's earnings are expected to grow with 35.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y51.07%
EPS Next 3Y35.46%

More info and screens

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

0

5. Dividend

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

OPEN LENDING CORP

NASDAQ:LPRO (2/18/2026, 6:13:16 PM)

After market: 1.32 -0.05 (-3.65%)

1.37

-0.03 (-2.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-06
Earnings (Next)02-19
Inst Owners64.24%
Inst Owner Change-1%
Ins Owners3.12%
Ins Owner Change0.18%
Market Cap161.92M
Revenue(TTM)16.95M
Net Income(TTM)-150.35M
Analysts74.67
Price Target2.73 (99.27%)
Short Float %1.97%
Short Ratio3.2
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)2
Avg Revenue beat(2)5.68%
Min Revenue beat(2)4.16%
Max Revenue beat(2)7.19%
Revenue beat(4)2
Avg Revenue beat(4)-81.88%
Min Revenue beat(4)-336.02%
Max Revenue beat(4)7.19%
Revenue beat(8)3
Avg Revenue beat(8)-50.8%
Revenue beat(12)5
Avg Revenue beat(12)-35.82%
Revenue beat(16)9
Avg Revenue beat(16)-24.24%
PT rev (1m)0.94%
PT rev (3m)-28.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)50%
EPS NY rev (1m)0%
EPS NY rev (3m)-226.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.03%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 11.55
P/S 9.55
P/FCF N/A
P/OCF N/A
P/B 2.22
P/tB 2.37
EV/EBITDA N/A
EPS(TTM)-0.44
EYN/A
EPS(NY)0.12
Fwd EY8.66%
FCF(TTM)-0.11
FCFYN/A
OCF(TTM)-0.1
OCFYN/A
SpS0.14
BVpS0.62
TBVpS0.58
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -52.27%
ROE -206.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 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
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-Score2
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 1.74
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 42.56%
Cap/Sales 5.4%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 5.59
Quick Ratio 5.59
Altman-Z -1.14
F-Score2
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)155.6%
Cap/Depr(5y)143.06%
Cap/Sales(3y)6.14%
Cap/Sales(5y)4.09%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1566.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
EPS Next Y91.77%
EPS Next 2Y51.07%
EPS Next 3Y35.46%
EPS Next 5YN/A
Revenue 1Y (TTM)-82.33%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%2.95%
Revenue Next Year-8.46%
Revenue Next 2Y-0.59%
Revenue Next 3Y4.69%
Revenue Next 5Y13.14%
EBIT growth 1Y-1821.17%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-5.51%
EBIT Next 3Y22.63%
EBIT Next 5YN/A
FCF growth 1Y-114.67%
FCF growth 3Y-47.22%
FCF growth 5YN/A
OCF growth 1Y-113.61%
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 2 / 10 to LPRO.


Can you provide the valuation status for OPEN LENDING CORP?

ChartMill assigns a valuation rating of 4 / 10 to OPEN LENDING CORP (LPRO). This can be considered as Fairly Valued.


What is the profitability of LPRO stock?

OPEN LENDING CORP (LPRO) has a profitability rating of 1 / 10.


What is the financial health of OPEN LENDING CORP (LPRO) stock?

The financial health rating of OPEN LENDING CORP (LPRO) is 3 / 10.


What is the earnings growth outlook for OPEN LENDING CORP?

The Earnings per Share (EPS) of OPEN LENDING CORP (LPRO) is expected to grow by 91.77% in the next year.