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OPEN LENDING CORP (LPRO) Stock Fundamental Analysis

USA - NASDAQ:LPRO - US68373J1043 - Common Stock

1.88 USD
-0.14 (-6.93%)
Last: 10/21/2025, 8:00:00 PM
1.87 USD
-0.01 (-0.53%)
After Hours: 10/21/2025, 8:00:00 PM
Fundamental Rating

3

Taking everything into account, LPRO scores 3 out of 10 in our fundamental rating. LPRO was compared to 236 industry peers in the Capital Markets industry. While LPRO seems to be doing ok healthwise, there are quite some concerns on its profitability. LPRO has a expensive valuation and it also scores bad on growth.


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.
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 -47.65%, LPRO is doing worse than 95.34% of the companies in the same industry.
LPRO has a Return On Equity of -179.04%. This is amonst the worse of the industry: LPRO underperforms 91.10% of its industry peers.
Industry RankSector Rank
ROA -47.65%
ROE -179.04%
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

The Profit Margin and Operating Margin and Gross Margin are not available for LPRO so they could not be analyzed.
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 has been increased compared to 1 year ago.
LPRO has more shares outstanding than it did 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

Based on the Altman-Z score of -0.82, we must say that LPRO is in the distress zone and has some risk of bankruptcy.
LPRO has a worse Altman-Z score (-0.82) than 82.20% of its industry peers.
The Debt to FCF ratio of LPRO is 28.15, which is on the high side as it means it would take LPRO, 28.15 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 28.15, LPRO is in line with its industry, outperforming 49.15% 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.
The Debt to Equity ratio of LPRO (1.63) is worse than 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.63
Debt/FCF 28.15
Altman-Z -0.82
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 5.67. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
LPRO's Current ratio of 5.67 is amongst the best of the industry. LPRO outperforms 88.98% of its industry peers.
A Quick Ratio of 5.67 indicates that LPRO has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 5.67, LPRO belongs to the best of the industry, outperforming 88.98% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 5.67
Quick Ratio 5.67
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

The earnings per share for LPRO have decreased strongly by -1250.00% in the last year.
Looking at the last year, LPRO shows a very negative growth in Revenue. The Revenue has decreased by -83.48% in the last year.
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)-1250%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-50%
Revenue 1Y (TTM)-83.48%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%-5.3%

3.2 Future

LPRO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.52% yearly.
The Revenue is expected to grow by 13.14% on average over the next years. This is quite good.
EPS Next Y106.53%
EPS Next 2Y49.18%
EPS Next 3Y33.52%
EPS Next 5YN/A
Revenue Next Year-8.44%
Revenue Next 2Y1.13%
Revenue Next 3Y3.85%
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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3

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 19.85, which indicates a rather expensive current valuation of LPRO.
LPRO's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.23. LPRO is around the same levels.
Industry RankSector Rank
PE N/A
Fwd PE 19.85
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 50

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as LPRO.
Industry RankSector Rank
P/FCF 45.93
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.
LPRO's earnings are expected to grow with 33.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.18%
EPS Next 3Y33.52%

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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 (10/21/2025, 8:00:00 PM)

After market: 1.87 -0.01 (-0.53%)

1.88

-0.14 (-6.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-11 2025-11-11/amc
Inst Owners62.69%
Inst Owner Change-0.02%
Ins Owners3.06%
Ins Owner Change1.14%
Market Cap222.16M
Revenue(TTM)16.25M
Net Income(TTM)-141348000
Analysts75.71
Price Target3.79 (101.6%)
Short Float %2.37%
Short Ratio3.52
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)1
Avg EPS beat(2)-10.12%
Min EPS beat(2)-34.64%
Max EPS beat(2)14.4%
EPS beat(4)1
Avg EPS beat(4)-685.54%
Min EPS beat(4)-2643.1%
Max EPS beat(4)14.4%
EPS beat(8)1
Avg EPS beat(8)-385.04%
EPS beat(12)3
Avg EPS beat(12)-261.28%
EPS beat(16)7
Avg EPS beat(16)-192.27%
Revenue beat(2)1
Avg Revenue beat(2)0.65%
Min Revenue beat(2)-2.87%
Max Revenue beat(2)4.16%
Revenue beat(4)1
Avg Revenue beat(4)-89.1%
Min Revenue beat(4)-336.02%
Max Revenue beat(4)4.16%
Revenue beat(8)2
Avg Revenue beat(8)-54.43%
Revenue beat(12)5
Avg Revenue beat(12)-35.44%
Revenue beat(16)9
Avg Revenue beat(16)-24.34%
PT rev (1m)4.91%
PT rev (3m)7.51%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)-100%
EPS NY rev (1m)-38.31%
EPS NY rev (3m)-47.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.73%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-1.9%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 19.85
P/S 13.67
P/FCF 45.93
P/OCF 44.36
P/B 2.81
P/tB 3.01
EV/EBITDA N/A
EPS(TTM)-0.46
EYN/A
EPS(NY)0.09
Fwd EY5.04%
FCF(TTM)0.04
FCFY2.18%
OCF(TTM)0.04
OCFY2.25%
SpS0.14
BVpS0.67
TBVpS0.62
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -47.65%
ROE -179.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 29.76%
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-Score3
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.63
Debt/FCF 28.15
Debt/EBITDA N/A
Cap/Depr 8.47%
Cap/Sales 1.05%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 5.67
Quick Ratio 5.67
Altman-Z -0.82
F-Score3
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 Y106.53%
EPS Next 2Y49.18%
EPS Next 3Y33.52%
EPS Next 5YN/A
Revenue 1Y (TTM)-83.48%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%-5.3%
Revenue Next Year-8.44%
Revenue Next 2Y1.13%
Revenue Next 3Y3.85%
Revenue Next 5Y13.14%
EBIT growth 1Y-1087.1%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-13.33%
EBIT Next 3Y29.36%
EBIT Next 5YN/A
FCF growth 1Y-95.12%
FCF growth 3Y-42.81%
FCF growth 5YN/A
OCF growth 1Y-94.96%
OCF growth 3Y-43.03%
OCF growth 5YN/A