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OPEN LENDING CORP (LPRO) Stock Fundamental Analysis

USA - NASDAQ:LPRO - US68373J1043 - Common Stock

1.53 USD
-0.09 (-5.56%)
Last: 11/14/2025, 8:00:00 PM
1.56 USD
+0.03 (+1.96%)
After Hours: 11/14/2025, 8:00:00 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to LPRO. LPRO was compared to 237 industry peers in the Capital Markets industry. Both the profitability and financial health of LPRO have multiple concerns. LPRO does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year LPRO has reported negative net income.
In the past year LPRO has reported a negative cash flow from operations.
The reported net income has been mixed in the past 5 years: LPRO reported negative net income in multiple years.
Each year in the past 5 years LPRO had a positive operating cash flow.
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's Return On Assets of -52.27% is on the low side compared to the rest of the industry. LPRO is outperformed by 94.94% of its industry peers.
LPRO has a worse Return On Equity (-206.46%) than 90.30% 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

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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3

2. Health

2.1 Basic Checks

LPRO has more shares outstanding than it did 1 year ago.
LPRO has more shares outstanding than it did 5 years ago.
LPRO has a worse debt/assets ratio than last year.
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 -1.07, we must say that LPRO is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -1.07, LPRO is doing worse than 83.12% of the companies in the same industry.
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 76.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.74
Debt/FCF N/A
Altman-Z -1.07
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 5.59. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
LPRO has a better Current ratio (5.59) than 88.61% 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.
LPRO has a Quick ratio of 5.59. This is amongst the best in the industry. LPRO outperforms 88.61% of its industry peers.
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

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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
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)-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 33.07% yearly.
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 Y106.53%
EPS Next 2Y49.18%
EPS Next 3Y33.07%
EPS Next 5YN/A
Revenue Next Year-8.44%
Revenue Next 2Y1.13%
Revenue Next 3Y5.57%
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

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for LPRO. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 16.15, the valuation of LPRO can be described as correct.
The rest of the industry has a similar Price/Forward Earnings ratio as LPRO.
The average S&P500 Price/Forward Earnings ratio is at 34.59. LPRO is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 16.15
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.
A more expensive valuation may be justified as LPRO's earnings are expected to grow with 33.07% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.18%
EPS Next 3Y33.07%

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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 (11/14/2025, 8:00:00 PM)

After market: 1.56 +0.03 (+1.96%)

1.53

-0.09 (-5.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)03-30 2026-03-30/amc
Inst Owners62.69%
Inst Owner Change-1.59%
Ins Owners3.06%
Ins Owner Change1.09%
Market Cap180.80M
Revenue(TTM)16.95M
Net Income(TTM)-150.35M
Analysts75.71
Price Target3.79 (147.71%)
Short Float %2.02%
Short Ratio3.25
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)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%
PT rev (3m)6.19%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)-100%
EPS NY rev (1m)0%
EPS NY rev (3m)-47.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.9%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 16.15
P/S 10.67
P/FCF N/A
P/OCF N/A
P/B 2.48
P/tB 2.65
EV/EBITDA N/A
EPS(TTM)-0.44
EYN/A
EPS(NY)0.09
Fwd EY6.19%
FCF(TTM)-0.1
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 2.79%
Cap/Sales 0.35%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 5.59
Quick Ratio 5.59
Altman-Z -1.07
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)-1566.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
EPS Next Y106.53%
EPS Next 2Y49.18%
EPS Next 3Y33.07%
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-8.44%
Revenue Next 2Y1.13%
Revenue Next 3Y5.57%
Revenue Next 5Y13.14%
EBIT growth 1Y-1821.17%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-13.33%
EBIT Next 3Y29.36%
EBIT Next 5YN/A
FCF growth 1Y-113.7%
FCF growth 3Y-42.81%
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.


What is the valuation status of OPEN LENDING CORP (LPRO) stock?

ChartMill assigns a valuation rating of 3 / 10 to OPEN LENDING CORP (LPRO). This can be considered as Overvalued.


What is the profitability of LPRO stock?

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


How financially healthy is OPEN LENDING CORP?

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


Can you provide the expected EPS growth for LPRO stock?

The Earnings per Share (EPS) of OPEN LENDING CORP (LPRO) is expected to grow by 106.53% in the next year.