1.74 USD
-0.04 (-2.25%)
1.74 USD
0 (0%)
Taking everything into account, LPRO scores 2 out of 10 in our fundamental rating. LPRO was compared to 237 industry peers in the Capital Markets industry. Both the profitability and financial health of LPRO have multiple concerns. LPRO has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year LPRO has reported negative net income.
LPRO had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: LPRO reported negative net income in multiple years.
In the past 5 years LPRO always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of -52.27%, LPRO is doing worse than 94.51% of the companies in the same industry.
LPRO has a worse Return On Equity (-206.46%) than 91.14% of its industry peers.
| 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
LPRO has more shares outstanding than it did 5 years ago.
The debt/assets ratio for LPRO is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -1.02, we must say that LPRO is in the distress zone and has some risk of bankruptcy.
LPRO has a Altman-Z score of -1.02. This is amonst the worse of the industry: LPRO underperforms 83.54% of its industry peers.
LPRO has a Debt/Equity ratio of 1.74. This is a high value indicating a heavy dependency on external financing.
LPRO's Debt to Equity ratio of 1.74 is on the low side compared to the rest of the industry. LPRO is outperformed by 75.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.74 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -1.02 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
LPRO has a Current Ratio of 5.59. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 5.59, LPRO belongs to the best of the industry, outperforming 86.08% of the companies in the same industry.
LPRO has a Quick Ratio of 5.59. This indicates that LPRO is financially healthy and has no problem in meeting its short term obligations.
LPRO has a better Quick ratio (5.59) than 86.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.59 | ||
| Quick Ratio | 5.59 |
3. Growth
3.1 Past
The earnings per share for LPRO have decreased strongly by -1566.67% in the last year.
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 35.55% on average per year.
Based on estimates for the next years, LPRO will show a quite strong growth in Revenue. The Revenue will grow by 13.14% on average per year.
EPS Next Y94.2%
EPS Next 2Y51.07%
EPS Next 3Y35.55%
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
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
LPRO reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 14.67, which indicates a correct valuation of LPRO.
LPRO's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.58. LPRO is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 14.67 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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 35.55% 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 3Y35.55%
5. Dividend
5.1 Amount
LPRO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
1.74
-0.04 (-2.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners64.2%
Inst Owner Change-0.85%
Ins Owners3.12%
Ins Owner Change0.92%
Market Cap205.65M
Revenue(TTM)16.95M
Net Income(TTM)-150.35M
Analysts74.67
Price Target2.7 (55.17%)
Short Float %2.42%
Short Ratio3.72
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)-28.7%
PT rev (3m)-25.2%
EPS NQ rev (1m)50%
EPS NQ rev (3m)50%
EPS NY rev (1m)-188.84%
EPS NY rev (3m)-154.81%
Revenue NQ rev (1m)-5.02%
Revenue NQ rev (3m)-8.81%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-0.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 14.67 | ||
| P/S | 12.13 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.82 | ||
| P/tB | 3.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.44
EYN/A
EPS(NY)0.12
Fwd EY6.81%
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 | -1.02 |
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 Y94.2%
EPS Next 2Y51.07%
EPS Next 3Y35.55%
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.
What is the valuation status of OPEN LENDING CORP (LPRO) stock?
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.
How financially healthy is OPEN LENDING CORP?
The financial health rating of OPEN LENDING CORP (LPRO) is 3 / 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 94.2% in the next year.