OPEN LENDING CORP (LPRO) Stock Fundamental Analysis
USA - NASDAQ:LPRO - US68373J1043 - Common Stock
1.45 USD
-0.16 (-9.94%)
1.51 USD
+0.06 (+4.14%)
We assign a fundamental rating of 3 out of 10 to LPRO. LPRO was compared to 237 industry peers in the Capital Markets industry. While LPRO seems to be doing ok healthwise, there are quite some concerns on its profitability. LPRO is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year LPRO has reported negative net income.
LPRO had a positive operating cash flow in the past year.
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.
1.2 Ratios
LPRO's Return On Assets of -47.65% is on the low side compared to the rest of the industry. LPRO is outperformed by 94.51% of its industry peers.
With a Return On Equity value of -179.04%, LPRO is not doing good in the industry: 90.72% of the companies in the same industry are doing better.
| Industry Rank | Sector 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
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
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.
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.
LPRO has a worse Altman-Z score (-0.91) than 83.12% of its industry peers.
LPRO has a debt to FCF ratio of 28.15. This is a negative value and a sign of low solvency as LPRO would need 28.15 years to pay back of all of its debts.
With a Debt to FCF ratio value of 28.15, LPRO perfoms like the industry average, outperforming 48.52% 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.
Looking at the Debt to Equity ratio, with a value of 1.63, LPRO is doing worse than 74.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.63 | ||
| Debt/FCF | 28.15 | ||
| Altman-Z | -0.91 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 5.67 indicates that LPRO has no problem at all paying its short term obligations.
The Current ratio of LPRO (5.67) is better than 89.03% of its industry peers.
A Quick Ratio of 5.67 indicates that LPRO has no problem at all paying its short term obligations.
LPRO's Quick ratio of 5.67 is amongst the best of the industry. LPRO outperforms 89.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.67 | ||
| Quick Ratio | 5.67 |
3. Growth
3.1 Past
The earnings per share for LPRO have decreased strongly by -1566.67% in the last year.
LPRO shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -79.55%.
The Revenue for LPRO have been decreasing by -51.89% on average. This is quite bad
EPS 1Y (TTM)-1566.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
Revenue 1Y (TTM)-79.55%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%2.96%
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.
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 3Y33.07%
EPS Next 5YN/A
Revenue Next Year-8.44%
Revenue Next 2Y1.13%
Revenue Next 3Y5.57%
Revenue Next 5Y13.14%
3.3 Evolution
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 negative for LPRO. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 15.31, LPRO is valued correctly.
LPRO's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.68, LPRO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 15.31 |
4.2 Price Multiples
LPRO's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 35.42 | ||
| 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 33.07% 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 3Y33.07%
5. Dividend
5.1 Amount
No dividends for LPRO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
1.45
-0.16 (-9.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners62.69%
Inst Owner Change-1.19%
Ins Owners3.06%
Ins Owner Change1.19%
Market Cap171.35M
Revenue(TTM)24.02M
Net Income(TTM)-141.35M
Analysts75.71
Price Target3.79 (161.38%)
Short Float %2.02%
Short Ratio3.25
Dividend
| Industry Rank | Sector 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)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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 15.31 | ||
| P/S | 10.54 | ||
| P/FCF | 35.42 | ||
| P/OCF | 34.21 | ||
| P/B | 2.17 | ||
| P/tB | 2.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.44
EYN/A
EPS(NY)0.09
Fwd EY6.53%
FCF(TTM)0.04
FCFY2.82%
OCF(TTM)0.04
OCFY2.92%
SpS0.14
BVpS0.67
TBVpS0.62
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | -0.91 |
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)-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)-79.55%
Revenue growth 3Y-51.89%
Revenue growth 5YN/A
Sales Q2Q%2.96%
Revenue Next Year-8.44%
Revenue Next 2Y1.13%
Revenue Next 3Y5.57%
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
OPEN LENDING CORP / LPRO FAQ
What is the fundamental rating for LPRO stock?
ChartMill assigns a fundamental rating of 3 / 10 to LPRO.
What is the valuation status of OPEN LENDING CORP (LPRO) stock?
ChartMill assigns a valuation rating of 4 / 10 to OPEN LENDING CORP (LPRO). This can be considered as Fairly Valued.
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 4 / 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.