Open Lending Statistics
Total Valuation
Open Lending has a market cap or net worth of $249.34 million. The enterprise value is $157.66 million.
Important Dates
The last earnings date was Wednesday, August 6, 2025, after market close.
| Earnings Date | Aug 6, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
Open Lending has 118.17 million shares outstanding. The number of shares has decreased by -0.60% in one year.
| Current Share Class | 118.17M |
| Shares Outstanding | 118.17M |
| Shares Change (YoY) | -0.60% |
| Shares Change (QoQ) | -0.52% |
| Owned by Insiders (%) | 1.25% |
| Owned by Institutions (%) | 63.26% |
| Float | 101.58M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 33.33 |
| PS Ratio | 15.48 |
| Forward PS | 2.39 |
| PB Ratio | 3.16 |
| P/TBV Ratio | 3.38 |
| P/FCF Ratio | 51.53 |
| P/OCF Ratio | 49.78 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 9.70 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 32.58 |
Financial Position
The company has a current ratio of 5.67, with a Debt / Equity ratio of 1.76.
| Current Ratio | 5.67 |
| Quick Ratio | 5.37 |
| Debt / Equity | 1.76 |
| Debt / EBITDA | n/a |
| Debt / FCF | 28.72 |
| Interest Coverage | -6.91 |
Financial Efficiency
Return on equity (ROE) is -95.59% and return on invested capital (ROIC) is -16.08%.
| Return on Equity (ROE) | -95.59% |
| Return on Assets (ROA) | -13.75% |
| Return on Invested Capital (ROIC) | -16.08% |
| Return on Capital Employed (ROCE) | -29.96% |
| Revenue Per Employee | $79,293 |
| Profits Per Employee | -$689,502 |
| Employee Count | 205 |
| Asset Turnover | 0.05 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Open Lending has paid $66.67 million in taxes.
| Income Tax | 66.67M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has decreased by -61.84% in the last 52 weeks. The beta is 1.92, so Open Lending's price volatility has been higher than the market average.
| Beta (5Y) | 1.92 |
| 52-Week Price Change | -61.84% |
| 50-Day Moving Average | 2.24 |
| 200-Day Moving Average | 3.55 |
| Relative Strength Index (RSI) | 46.48 |
| Average Volume (20 Days) | 708,418 |
Short Selling Information
The latest short interest is 2.38 million, so 2.01% of the outstanding shares have been sold short.
| Short Interest | 2.38M |
| Short Previous Month | 2.39M |
| Short % of Shares Out | 2.01% |
| Short % of Float | 2.34% |
| Short Ratio (days to cover) | 2.96 |
Income Statement
In the last 12 months, Open Lending had revenue of $16.26 million and -$141.35 million in losses. Loss per share was -$1.19.
| Revenue | 16.26M |
| Gross Profit | -7.73M |
| Operating Income | -74.75M |
| Pretax Income | 8.44M |
| Net Income | -141.35M |
| EBITDA | -74.13M |
| EBIT | -74.75M |
| Loss Per Share | -$1.19 |
Full Income StatementBalance Sheet
The company has $230.66 million in cash and $138.98 million in debt, giving a net cash position of $91.68 million or $0.78 per share.
| Cash & Cash Equivalents | 230.66M |
| Total Debt | 138.98M |
| Net Cash | 91.68M |
| Net Cash Per Share | $0.78 |
| Equity (Book Value) | 78.95M |
| Book Value Per Share | 0.67 |
| Working Capital | 219.96M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $5.01 million and capital expenditures -$170,000, giving a free cash flow of $4.84 million.
| Operating Cash Flow | 5.01M |
| Capital Expenditures | -170,000 |
| Free Cash Flow | 4.84M |
| FCF Per Share | $0.04 |
Full Cash Flow StatementMargins
| Gross Margin | -47.55% |
| Operating Margin | -459.88% |
| Pretax Margin | -459.44% |
| Profit Margin | n/a |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 29.77% |
Dividends & Yields
Open Lending does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | 0.60% |
| Shareholder Yield | 0.60% |
| Earnings Yield | -56.69% |
| FCF Yield | 1.94% |
Analyst Forecast
The average price target for Open Lending is $3.00, which is 42.18% higher than the current price. The consensus rating is "Buy".
| Price Target | $3.00 |
| Price Target Difference | 42.18% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | n/a |
| Lynch Upside | n/a |
| Graham Number | n/a |
| Graham Upside | n/a |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
Open Lending has an Altman Z-Score of 0.08 and a Piotroski F-Score of 3. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 0.08 |
| Piotroski F-Score | 3 |
