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OPEN LENDING CORP (LPRO) Stock Fundamental Analysis

USA - NASDAQ:LPRO - US68373J1043 - Common Stock

2.1 USD
-0.06 (-2.78%)
Last: 9/16/2025, 8:00:00 PM
2.1 USD
0 (0%)
After Hours: 9/16/2025, 8:00:00 PM
Fundamental Rating

3

LPRO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 237 industry peers in the Capital Markets industry. The financial health of LPRO is average, but 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.
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.
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

With a Return On Assets value of -47.65%, LPRO is not doing good in the industry: 94.51% of the companies in the same industry are doing better.
LPRO's Return On Equity of -179.04% 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 -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

LPRO has more shares outstanding than it did 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.
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 -0.75, we must say that LPRO is in the distress zone and has some risk of bankruptcy.
LPRO's Altman-Z score of -0.75 is on the low side compared to the rest of the industry. LPRO is outperformed by 79.75% 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.
LPRO has a Debt to FCF ratio of 28.15. This is comparable to the rest of the industry: LPRO outperforms 48.52% of its industry peers.
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 75.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.63
Debt/FCF 28.15
Altman-Z -0.75
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 5.67 indicates that LPRO has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 5.67, LPRO belongs to the top of the industry, outperforming 89.45% of the companies in the same industry.
A Quick Ratio of 5.67 indicates that LPRO has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 5.67, LPRO belongs to the top of the industry, outperforming 89.45% 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.
The Revenue for LPRO have been decreasing by -51.89% on average. This is quite bad
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

The Earnings Per Share is expected to grow by 32.76% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 13.14% on average over the next years. This is quite good.
EPS Next Y110.58%
EPS Next 2Y50.7%
EPS Next 3Y32.76%
EPS Next 5YN/A
Revenue Next Year-8.43%
Revenue Next 2Y1.13%
Revenue Next 3Y4.64%
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.
Based on the Price/Forward Earnings ratio of 18.44, the valuation of LPRO can be described as rather expensive.
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 22.71, LPRO is valued at the same level.
Industry RankSector Rank
PE N/A
Fwd PE 18.44
LPRO Price Earnings VS Forward Price EarningsLPRO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

LPRO's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 51.3
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 32.76% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y50.7%
EPS Next 3Y32.76%

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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 (9/16/2025, 8:00:00 PM)

After market: 2.1 0 (0%)

2.1

-0.06 (-2.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-05 2025-11-05/amc
Inst Owners48.52%
Inst Owner Change-12.09%
Ins Owners3.15%
Ins Owner Change1.59%
Market Cap248.16M
Analysts75.71
Price Target3.61 (71.9%)
Short Float %2.24%
Short Ratio3
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)1.23%
PT rev (3m)-1.13%
EPS NQ rev (1m)-100%
EPS NQ rev (3m)-100%
EPS NY rev (1m)-15.28%
EPS NY rev (3m)-34.65%
Revenue NQ rev (1m)-2.28%
Revenue NQ rev (3m)-9.33%
Revenue NY rev (1m)-1.89%
Revenue NY rev (3m)-2.71%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 18.44
P/S 15.27
P/FCF 51.3
P/OCF 49.55
P/B 3.14
P/tB 3.36
EV/EBITDA N/A
EPS(TTM)-0.46
EYN/A
EPS(NY)0.11
Fwd EY5.42%
FCF(TTM)0.04
FCFY1.95%
OCF(TTM)0.04
OCFY2.02%
SpS0.14
BVpS0.67
TBVpS0.62
PEG (NY)N/A
PEG (5Y)N/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
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-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 -0.75
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 Y110.58%
EPS Next 2Y50.7%
EPS Next 3Y32.76%
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-8.43%
Revenue Next 2Y1.13%
Revenue Next 3Y4.64%
Revenue Next 5Y13.14%
EBIT growth 1Y-1087.1%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year39.23%
EBIT Next 3Y26.61%
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