OPEN LENDING CORP (LPRO)
US68373J1043 - Common Stock
LPRO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 219 industry peers in the Capital Markets industry. LPRO is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. While showing a medium growth rate, LPRO is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
LPRO had positive earnings in the past year.
In the past year LPRO had a positive cash flow from operations.
Of the past 5 years LPRO 4 years were profitable.
LPRO had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
LPRO's Return On Assets of 1.16% is on the low side compared to the rest of the industry. LPRO is outperformed by 66.36% of its industry peers.
LPRO's Return On Equity of 2.08% is on the low side compared to the rest of the industry. LPRO is outperformed by 74.30% of its industry peers.
LPRO has a worse Return On Invested Capital (0.99%) than 77.10% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for LPRO is significantly above the industry average of 6.63%.
The last Return On Invested Capital (0.99%) for LPRO is well below the 3 year average (20.68%), which needs to be investigated, but indicates that LPRO had better years and this may not be a problem.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 2.08% | ||
| ROIC | 0.99% |
ROA(3y)23.09%
ROA(5y)7.87%
ROE(3y)44.64%
ROE(5y)-41.22%
ROIC(3y)20.68%
ROIC(5y)N/A
1.3 Margins
The Profit Margin of LPRO (4.78%) is worse than 71.96% of its industry peers.
Looking at the Operating Margin, with a value of 5.11%, LPRO is doing worse than 78.04% of the companies in the same industry.
LPRO's Operating Margin has declined in the last couple of years.
LPRO has a better Gross Margin (76.06%) than 81.31% of its industry peers.
In the last couple of years the Gross Margin of LPRO has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.11% | ||
| PM (TTM) | 4.78% | ||
| GM | 76.06% |
OM growth 3Y-21.95%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.79%
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for LPRO has been reduced compared to 1 year ago.
Compared to 5 years ago, LPRO has more shares outstanding
Compared to 1 year ago, LPRO has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.76 indicates that LPRO is not a great score, but indicates only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 2.76, LPRO is doing good in the industry, outperforming 77.10% of the companies in the same industry.
The Debt to FCF ratio of LPRO is 3.77, which is a good value as it means it would take LPRO, 3.77 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of LPRO (3.77) is better than 67.76% of its industry peers.
LPRO has a Debt/Equity ratio of 0.61. This is a neutral value indicating LPRO is somewhat dependend on debt financing.
LPRO has a better Debt to Equity ratio (0.61) than 67.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 3.77 | ||
| Altman-Z | 2.76 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
LPRO has a Current Ratio of 9.42. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
LPRO has a Current ratio of 9.42. This is amongst the best in the industry. LPRO outperforms 88.78% of its industry peers.
LPRO has a Quick Ratio of 9.42. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
LPRO's Quick ratio of 9.42 is amongst the best of the industry. LPRO outperforms 88.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 9.42 | ||
| Quick Ratio | 9.42 |
3. Growth
3.1 Past
The earnings per share for LPRO have decreased strongly by -83.33% in the last year.
Measured over the past years, LPRO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.83% on average per year.
LPRO shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -25.86%.
Measured over the past years, LPRO shows a small growth in Revenue. The Revenue has been growing by 2.55% on average per year.
EPS 1Y (TTM)-83.33%
EPS 3YN/A
EPS 5Y17.83%
EPS Q2Q%-50%
Revenue 1Y (TTM)-25.86%
Revenue growth 3Y2.55%
Revenue growth 5YN/A
Sales Q2Q%-9.73%
3.2 Future
The Earnings Per Share is expected to grow by 22.76% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 7.88% on average over the next years.
EPS Next Y-42%
EPS Next 2Y8.72%
EPS Next 3Y22.76%
EPS Next 5YN/A
Revenue Next Year-19.23%
Revenue Next 2Y-3.76%
Revenue Next 3Y2.9%
Revenue Next 5Y7.88%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 194.67, which means the current valuation is very expensive for LPRO.
83.64% of the companies in the same industry are cheaper than LPRO, based on the Price/Earnings ratio.
LPRO's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.41.
With a Price/Forward Earnings ratio of 29.06, LPRO can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, LPRO is valued a bit more expensive than the industry average as 72.90% of the companies are valued more cheaply.
LPRO's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 23.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 194.67 | ||
| Fwd PE | 29.06 |
4.2 Price Multiples
LPRO's Enterprise Value to EBITDA is on the same level as the industry average.
LPRO's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.56 | ||
| EV/EBITDA | 87.55 |
4.3 Compensation for Growth
LPRO's earnings are expected to grow with 22.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)10.92
EPS Next 2Y8.72%
EPS Next 3Y22.76%
5. Dividend
5.1 Amount
No dividends for LPRO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
OPEN LENDING CORP
NASDAQ:LPRO (1/3/2025, 8:00:01 PM)
After market: 5.85 +0.01 (+0.17%)5.84
+0.13 (+2.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners69.52%
Inst Owner Change-18.28%
Ins Owners2.69%
Ins Owner Change0.31%
Market Cap697.00M
Analysts76.25
Price Target7.14 (22.26%)
Short Float %3.15%
Short Ratio9.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-68.39%
Min EPS beat(2)-78.8%
Max EPS beat(2)-57.99%
EPS beat(4)0
Avg EPS beat(4)-86.43%
Min EPS beat(4)-189.13%
Max EPS beat(4)-19.79%
EPS beat(8)1
Avg EPS beat(8)-61.93%
EPS beat(12)5
Avg EPS beat(12)-34.99%
EPS beat(16)7
Avg EPS beat(16)-24.43%
Revenue beat(2)0
Avg Revenue beat(2)-18.61%
Min Revenue beat(2)-21.66%
Max Revenue beat(2)-15.56%
Revenue beat(4)1
Avg Revenue beat(4)-19.71%
Min Revenue beat(4)-46.83%
Max Revenue beat(4)5.22%
Revenue beat(8)3
Avg Revenue beat(8)-12.79%
Revenue beat(12)7
Avg Revenue beat(12)-5.03%
Revenue beat(16)11
Avg Revenue beat(16)-0.81%
PT rev (1m)2.08%
PT rev (3m)-1.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-67.27%
EPS NY rev (1m)0%
EPS NY rev (3m)-40.12%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-29.91%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-10.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 194.67 | ||
| Fwd PE | 29.06 | ||
| P/S | 7.27 | ||
| P/FCF | 18.56 | ||
| P/OCF | 18.47 | ||
| P/B | 3.16 | ||
| P/tB | 3.16 | ||
| EV/EBITDA | 87.55 |
EPS(TTM)0.03
EY0.51%
EPS(NY)0.2
Fwd EY3.44%
FCF(TTM)0.31
FCFY5.39%
OCF(TTM)0.32
OCFY5.41%
SpS0.8
BVpS1.85
TBVpS1.85
PEG (NY)N/A
PEG (5Y)10.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 2.08% | ||
| ROCE | 1.35% | ||
| ROIC | 0.99% | ||
| ROICexc | 3.17% | ||
| ROICexgc | 3.17% | ||
| OM | 5.11% | ||
| PM (TTM) | 4.78% | ||
| GM | 76.06% | ||
| FCFM | 39.16% |
ROA(3y)23.09%
ROA(5y)7.87%
ROE(3y)44.64%
ROE(5y)-41.22%
ROIC(3y)20.68%
ROIC(5y)N/A
ROICexc(3y)40.79%
ROICexc(5y)N/A
ROICexgc(3y)40.79%
ROICexgc(5y)N/A
ROCE(3y)28%
ROCE(5y)N/A
ROICexcg growth 3Y-7.37%
ROICexcg growth 5YN/A
ROICexc growth 3Y-7.37%
ROICexc growth 5YN/A
OM growth 3Y-21.95%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.79%
GM growth 5YN/A
F-Score5
Asset Turnover0.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 3.77 | ||
| Debt/EBITDA | 20.48 | ||
| Cap/Depr | 11.22% | ||
| Cap/Sales | 0.19% | ||
| Interest Coverage | 0.46 | ||
| Cash Conversion | 576.8% | ||
| Profit Quality | 819.15% | ||
| Current Ratio | 9.42 | ||
| Quick Ratio | 9.42 | ||
| Altman-Z | 2.76 |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)79.53%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.46%
Cap/Sales(5y)N/A
Profit Quality(3y)199.37%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-83.33%
EPS 3YN/A
EPS 5Y17.83%
EPS Q2Q%-50%
EPS Next Y-42%
EPS Next 2Y8.72%
EPS Next 3Y22.76%
EPS Next 5YN/A
Revenue 1Y (TTM)-25.86%
Revenue growth 3Y2.55%
Revenue growth 5YN/A
Sales Q2Q%-9.73%
Revenue Next Year-19.23%
Revenue Next 2Y-3.76%
Revenue Next 3Y2.9%
Revenue Next 5Y7.88%
EBIT growth 1Y-88.36%
EBIT growth 3Y-19.96%
EBIT growth 5YN/A
EBIT Next Year-20.44%
EBIT Next 3Y11.64%
EBIT Next 5YN/A
FCF growth 1Y-66.17%
FCF growth 3Y52.22%
FCF growth 5YN/A
OCF growth 1Y-66.25%
OCF growth 3Y49.78%
OCF growth 5YN/A