2.11 USD
-0.09 (-4.09%)
2.13 USD
+0.02 (+0.95%)
Overall LPRO gets a fundamental rating of 2 out of 10. We evaluated LPRO against 238 industry peers in the Capital Markets industry. LPRO has a bad profitability rating. Also its financial health evaluation is rather negative. LPRO is valued expensive and it does not seem to be growing.
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.
- In multiple years LPRO reported negative net income over the last 5 years.
- LPRO had a positive operating cash flow in each of the past 5 years.
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 93.28% of its industry peers.
- With a Return On Equity value of -206.46%, LPRO is not doing good in the industry: 89.50% of the companies in the same industry are doing better.
| Industry Rank | Sector 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
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 Rank | Sector 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
2. Health
2.1 Basic Checks
- Compared to 1 year ago, LPRO has more shares outstanding
- Compared to 5 years ago, LPRO has more shares outstanding
- Compared to 1 year ago, LPRO has a worse debt to assets ratio.
2.2 Solvency
- LPRO has an Altman-Z score of -0.91. This is a bad value and indicates that LPRO is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of -0.91, LPRO is doing worse than 85.29% 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.
- Looking at the Debt to Equity ratio, with a value of 1.74, LPRO is doing worse than 74.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.74 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.91 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- A Current Ratio of 5.59 indicates that LPRO has no problem at all paying its short term obligations.
- LPRO has a Current ratio of 5.59. This is amongst the best in the industry. LPRO outperforms 86.13% of its industry peers.
- A Quick Ratio of 5.59 indicates that LPRO has no problem at all paying its short term obligations.
- Looking at the Quick ratio, with a value of 5.59, LPRO belongs to the top of the industry, outperforming 86.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.59 | ||
| Quick Ratio | 5.59 |
3. Growth
3.1 Past
- LPRO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1566.67%.
- Looking at the last year, LPRO shows a very negative growth in Revenue. The Revenue has decreased by -82.33% 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)-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
- Based on estimates for the next years, LPRO will show a very strong growth in Earnings Per Share. The EPS will grow by 35.46% on average per year.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- LPRO reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- LPRO is valuated rather expensively with a Price/Forward Earnings ratio of 17.79.
- LPRO's Price/Forward Earnings ratio is in line with the industry average.
- LPRO is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 17.79 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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%
5. Dividend
5.1 Amount
- No dividends for LPRO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
2.11
-0.09 (-4.09%)
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 Owners64.24%
Inst Owner Change-0.05%
Ins Owners3.12%
Ins Owner Change0.18%
Market Cap249.38M
Revenue(TTM)16.95M
Net Income(TTM)-150.35M
Analysts74.67
Price Target2.73 (29.38%)
Short Float %1.98%
Short Ratio2.98
Dividend
| Industry Rank | Sector 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)-41.88%
EPS NY rev (3m)-226.04%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-8.8%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 17.79 | ||
| P/S | 14.71 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 3.42 | ||
| P/tB | 3.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.44
EYN/A
EPS(NY)0.12
Fwd EY5.62%
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 Rank | Sector 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 Rank | Sector 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 | -0.91 |
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 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 3Y23.78%
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.
Can you provide the valuation status for OPEN LENDING CORP?
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.
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.