OPEN LENDING CORP (LPRO) Stock Fundamental Analysis
NASDAQ:LPRO - Nasdaq - US68373J1043 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to LPRO. LPRO was compared to 223 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.
LPRO had positive earnings in 4 of the past 5 years.
LPRO had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of LPRO (1.16%) is worse than 66.06% of its industry peers.
The Return On Equity of LPRO (2.08%) is worse than 73.39% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.99%, LPRO is doing worse than 75.69% of the companies in the same industry.
LPRO had an Average Return On Invested Capital over the past 3 years of 20.68%. This is significantly above the industry average of 6.74%.
The 3 year average ROIC (20.68%) for LPRO is well above the current ROIC(0.99%). The reason for the recent decline needs to be investigated.
| 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 71.10% of its industry peers.
Looking at the Operating Margin, with a value of 5.11%, LPRO is doing worse than 77.06% of the companies in the same industry.
In the last couple of years the Operating Margin of LPRO has declined.
With an excellent Gross Margin value of 76.06%, LPRO belongs to the best of the industry, outperforming 81.65% of the companies in the same industry.
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.
LPRO has more shares outstanding than it did 5 years ago.
The debt/assets ratio for LPRO has been reduced compared to a year ago.
2.2 Solvency
LPRO has an Altman-Z score of 3.11. This indicates that LPRO is financially healthy and has little risk of bankruptcy at the moment.
LPRO has a better Altman-Z score (3.11) than 78.90% of its industry peers.
LPRO has a debt to FCF ratio of 3.77. This is a good value and a sign of high solvency as LPRO would need 3.77 years to pay back of all of its debts.
The Debt to FCF ratio of LPRO (3.77) is better than 67.43% of its industry peers.
A Debt/Equity ratio of 0.61 indicates that LPRO is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.61, LPRO is in the better half of the industry, outperforming 66.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 3.77 | ||
| Altman-Z | 3.11 |
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.
Looking at the Current ratio, with a value of 9.42, LPRO belongs to the top of the industry, outperforming 89.45% of the companies in the same industry.
A Quick Ratio of 9.42 indicates that LPRO has no problem at all paying its short term obligations.
LPRO has a Quick ratio of 9.42. This is amongst the best in the industry. LPRO outperforms 89.45% 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
Based on estimates for the next years, LPRO will show a very strong growth in Earnings Per Share. The EPS will grow by 21.19% on average per year.
The Revenue is expected to grow by 7.88% on average over the next years.
EPS Next Y-43%
EPS Next 2Y4.88%
EPS Next 3Y21.19%
EPS Next 5YN/A
Revenue Next Year-19.26%
Revenue Next 2Y-4.16%
Revenue Next 3Y3.29%
Revenue Next 5Y7.88%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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 is valuated quite expensively with a Price/Earnings ratio of 220.33.
Based on the Price/Earnings ratio, LPRO is valued more expensive than 82.57% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.47. LPRO is valued rather expensively when compared to this.
With a Price/Forward Earnings ratio of 35.35, LPRO can be considered very expensive at the moment.
75.69% of the companies in the same industry are cheaper than LPRO, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 92.74, LPRO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 220.33 | ||
| Fwd PE | 35.35 |
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 | 21.01 | ||
| EV/EBITDA | 103.24 |
4.3 Compensation for Growth
LPRO's earnings are expected to grow with 21.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)12.36
EPS Next 2Y4.88%
EPS Next 3Y21.19%
5. Dividend
5.1 Amount
No dividends for LPRO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
OPEN LENDING CORP
NASDAQ:LPRO (2/5/2025, 4:39:42 PM)
After market: 6.61 0 (0%)6.61
+0.04 (+0.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners69.52%
Inst Owner Change-0.3%
Ins Owners2.69%
Ins Owner Change0.34%
Market Cap788.90M
Analysts77.33
Price Target7.14 (8.02%)
Short Float %2.99%
Short Ratio9.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0
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)0%
PT rev (3m)-1.75%
EPS NQ rev (1m)-5.55%
EPS NQ rev (3m)-69.09%
EPS NY rev (1m)-1.73%
EPS NY rev (3m)-41.15%
Revenue NQ rev (1m)-0.18%
Revenue NQ rev (3m)-30.04%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-10.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 220.33 | ||
| Fwd PE | 35.35 | ||
| P/S | 8.23 | ||
| P/FCF | 21.01 | ||
| P/OCF | 20.91 | ||
| P/B | 3.58 | ||
| P/tB | 3.58 | ||
| EV/EBITDA | 103.24 |
EPS(TTM)0.03
EY0.45%
EPS(NY)0.19
Fwd EY2.83%
FCF(TTM)0.31
FCFY4.76%
OCF(TTM)0.32
OCFY4.78%
SpS0.8
BVpS1.85
TBVpS1.85
PEG (NY)N/A
PEG (5Y)12.36
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 | 3.11 |
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-43%
EPS Next 2Y4.88%
EPS Next 3Y21.19%
EPS Next 5YN/A
Revenue 1Y (TTM)-25.86%
Revenue growth 3Y2.55%
Revenue growth 5YN/A
Sales Q2Q%-9.73%
Revenue Next Year-19.26%
Revenue Next 2Y-4.16%
Revenue Next 3Y3.29%
Revenue Next 5Y7.88%
EBIT growth 1Y-88.36%
EBIT growth 3Y-19.96%
EBIT growth 5YN/A
EBIT Next Year-20.61%
EBIT Next 3Y11.28%
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