OPEN LENDING CORP (LPRO)
US68373J1043 - Common Stock
LPRO gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 220 industry peers in the Capital Markets industry. LPRO has an excellent financial health rating, but there are some minor concerns on its profitability. 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
LPRO's Return On Assets of 1.16% is on the low side compared to the rest of the industry. LPRO is outperformed by 66.05% of its industry peers.
Looking at the Return On Equity, with a value of 2.08%, LPRO is doing worse than 73.95% of the companies in the same industry.
With a Return On Invested Capital value of 0.99%, LPRO is not doing good in the industry: 76.74% of the companies in the same industry are doing better.
The Average Return On Invested Capital over the past 3 years for LPRO is significantly above the industry average of 6.63%.
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
LPRO has a worse Profit Margin (4.78%) than 71.63% of its industry peers.
The Operating Margin of LPRO (5.11%) is worse than 77.67% of its industry peers.
In the last couple of years the Operating Margin of LPRO has declined.
LPRO's Gross Margin of 76.06% is amongst the best of the industry. LPRO outperforms 81.40% of its industry peers.
LPRO's Gross Margin has declined in the last couple of years.
| 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
Compared to 1 year ago, LPRO has less shares outstanding
LPRO has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, LPRO has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.82 indicates that LPRO is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of LPRO (2.82) is better than 77.67% of its industry peers.
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.
LPRO has a better Debt to FCF ratio (3.77) than 67.91% 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's Debt to Equity ratio of 0.61 is fine compared to the rest of the industry. LPRO outperforms 67.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 3.77 | ||
| Altman-Z | 2.82 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 9.42 indicates that LPRO has no problem at all paying its short term obligations.
The Current ratio of LPRO (9.42) is better than 88.84% 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.
With an excellent Quick ratio value of 9.42, LPRO belongs to the best of the industry, outperforming 88.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 9.42 | ||
| Quick Ratio | 9.42 |
3. Growth
3.1 Past
LPRO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -83.33%.
LPRO shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.83% yearly.
Looking at the last year, LPRO shows a very negative growth in Revenue. The Revenue has decreased by -25.86% in the last year.
The Revenue has been growing slightly by 2.55% on average over the past years.
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 22.76% on average per year.
LPRO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.88% yearly.
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.
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
The Price/Earnings ratio is 187.00, which means the current valuation is very expensive for LPRO.
Based on the Price/Earnings ratio, LPRO is valued more expensive than 83.72% of the companies in the same industry.
When comparing the Price/Earnings ratio of LPRO to the average of the S&P500 Index (27.40), we can say LPRO is valued expensively.
A Price/Forward Earnings ratio of 27.92 indicates a quite expensive valuation of LPRO.
LPRO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. LPRO is more expensive than 73.49% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.67. LPRO is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 187 | ||
| Fwd PE | 27.92 |
4.2 Price Multiples
LPRO's Enterprise Value to EBITDA ratio is in line with the industry average.
LPRO's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.83 | ||
| EV/EBITDA | 89.92 |
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)10.49
EPS Next 2Y8.72%
EPS Next 3Y22.76%
5. Dividend
5.1 Amount
LPRO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
OPEN LENDING CORP
NASDAQ:LPRO (1/6/2025, 4:20:00 PM)
After market: 5.61 0 (0%)5.61
-0.23 (-3.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners69.52%
Inst Owner Change0%
Ins Owners2.69%
Ins Owner Change0.31%
Market Cap669.55M
Analysts77.33
Price Target7.14 (27.27%)
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 | 187 | ||
| Fwd PE | 27.92 | ||
| P/S | 6.98 | ||
| P/FCF | 17.83 | ||
| P/OCF | 17.74 | ||
| P/B | 3.04 | ||
| P/tB | 3.04 | ||
| EV/EBITDA | 89.92 |
EPS(TTM)0.03
EY0.53%
EPS(NY)0.2
Fwd EY3.58%
FCF(TTM)0.31
FCFY5.61%
OCF(TTM)0.32
OCFY5.64%
SpS0.8
BVpS1.85
TBVpS1.85
PEG (NY)N/A
PEG (5Y)10.49
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 | 2.82 |
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-20.47%
EBIT Next 3Y12.63%
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