Open Lending Corporation (LPRO) is a publicly traded company in the Financial Services — Financial - Credit Services industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Based in Austin, Texas, and established in 2000, Open Lending Corporation delivers specialized solutions for empowering lending operations and conducting risk analysis. Their services are utilized by a diverse range of financial institutions throughout the United States, including credit unions, regional banks, independent auto finance companies, and the captive finance arms of original equipment manufacturers.
Analysis Summary
Open Lending Corporation reported revenue of $93.2M in the most recent fiscal year, growing at a 5-year CAGR of -3.1%.
Trailing-twelve-month margins: gross margin 77.2%, operating margin -7.2%, net margin -5.9%.
At the current price of $3.14, LPRO has negative trailing earnings (P/E not meaningful) and an ROE of -7.04%. Market capitalisation stands at $372M.
Price
| Price | $3.14 |
| Market Cap | $372M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| Price / Book | 4.91 |
| EV / EBITDA | 61.57 |
| Dividend Yield | 0.00% |
Profitability
| Return on Equity | -7.04% |
| Return on Invested Capital | -2.76% |
| Return on Assets | -2.30% |
| Gross Margin | 77.24% |
| Operating Margin | -7.17% |
| Net Margin | -5.95% |
Financial Health
| Debt / Equity | 1.13 |
| Current Ratio | 4.44 |
What to look at in Financial Services
Asset managers, brokers, fintech, exchanges. They are not banks — look at AUM, fees and FCF quality.
- 5y revenue growth — Without growth, there is no long-term value creation
- Operating margin — Good asset managers have >30% margins thanks to scalability
- ROE — Quality financial services have a consistent ROE >15%
- FCF / Net Income — Earnings quality — >90% expected in capital-light businesses
- Debt / Equity — Fintech and brokers with high D/E are time bombs in crises
- P/E vs own 5y — Asset managers have stable multiples in well-known ranges
- Dividend yield + buybacks — These businesses return a lot of capital — look at total yield (div + buybacks)
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| LPRO | Open Lending Corporation | $372M | 4.91 | -7.0% | |
| V | Visa Inc. | $692.5B | 31.40 | 20.10 | 61.3% |
| 0R2Z.L | Mastercard Incorporated | $512.8B | 31.18 | 89.25 | 232.5% |
| MA | Mastercard Incorporated | $497.9B | 31.40 | 89.89 | 193.5% |
| AXP | American Express Company | $219.3B | 19.67 | 6.42 | 34.1% |
| 0HT4.L | Capital One Financial Corporation | $127.2B | 57.22 | 1.10 | 2.2% |
| COF | Capital One Financial Corporation | $124.7B | 12.28 | 1.08 | 9.3% |
| 0R3C.L | American Express Company | $112.9B | 19.67 | 6.42 | 34.1% |
Explore sector: Financial Services · Financial - Credit Services
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