Open Lending Statistics
Total Valuation
Open Lending has a market cap or net worth of $211.56 million. The enterprise value is $126.39 million.
Important Dates
The next estimated earnings date is Monday, March 16, 2026, after market close.
| Earnings Date | Mar 16, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
Open Lending has 118.19 million shares outstanding. The number of shares has decreased by -0.46% in one year.
| Current Share Class | 118.19M |
| Shares Outstanding | 118.19M |
| Shares Change (YoY) | -0.46% |
| Shares Change (QoQ) | -0.70% |
| Owned by Insiders (%) | 1.30% |
| Owned by Institutions (%) | 60.23% |
| Float | 95.53M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 18.08 |
| PS Ratio | 12.56 |
| Forward PS | 2.08 |
| PB Ratio | 2.90 |
| P/TBV Ratio | 3.10 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 7.46 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 5.59, with a Debt / Equity ratio of 1.88.
| Current Ratio | 5.59 |
| Quick Ratio | 5.22 |
| Debt / Equity | 1.88 |
| Debt / EBITDA | n/a |
| Debt / FCF | n/a |
| Interest Coverage | -7.13 |
Financial Efficiency
Return on equity (ROE) is -102.53% and return on invested capital (ROIC) is -141.83%.
| Return on Equity (ROE) | -102.53% |
| Return on Assets (ROA) | -13.41% |
| Return on Invested Capital (ROIC) | -141.83% |
| Return on Capital Employed (ROCE) | -30.69% |
| Weighted Average Cost of Capital (WACC) | 11.58% |
| Revenue Per Employee | $82,673 |
| Profits Per Employee | -$733,434 |
| Employee Count | 205 |
| Asset Turnover | 0.05 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Open Lending has paid $65.96 million in taxes.
| Income Tax | 65.96M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has decreased by -71.59% in the last 52 weeks. The beta is 2.00, so Open Lending's price volatility has been higher than the market average.
| Beta (5Y) | 2.00 |
| 52-Week Price Change | -71.59% |
| 50-Day Moving Average | 1.79 |
| 200-Day Moving Average | 1.93 |
| Relative Strength Index (RSI) | 45.11 |
| Average Volume (20 Days) | 632,654 |
Short Selling Information
The latest short interest is 2.09 million, so 1.77% of the outstanding shares have been sold short.
| Short Interest | 2.09M |
| Short Previous Month | 1.96M |
| Short % of Shares Out | 1.77% |
| Short % of Float | 2.19% |
| Short Ratio (days to cover) | 2.85 |
Income Statement
In the last 12 months, Open Lending had revenue of $16.95 million and -$150.35 million in losses. Loss per share was -$1.26.
| Revenue | 16.95M |
| Gross Profit | -6.23M |
| Operating Income | -73.32M |
| Pretax Income | -84.39M |
| Net Income | -150.35M |
| EBITDA | -72.57M |
| EBIT | -73.32M |
| Loss Per Share | -$1.26 |
Full Income StatementBalance Sheet
The company has $222.13 million in cash and $136.97 million in debt, with a net cash position of $85.17 million or $0.72 per share.
| Cash & Cash Equivalents | 222.13M |
| Total Debt | 136.97M |
| Net Cash | 85.17M |
| Net Cash Per Share | $0.72 |
| Equity (Book Value) | 72.83M |
| Book Value Per Share | 0.62 |
| Working Capital | 223.81M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$12.02 million and capital expenditures -$60,000, giving a free cash flow of -$12.08 million.
| Operating Cash Flow | -12.02M |
| Capital Expenditures | -60,000 |
| Free Cash Flow | -12.08M |
| FCF Per Share | -$0.10 |
Full Cash Flow StatementMargins
| Gross Margin | -36.75% |
| Operating Margin | -432.62% |
| Pretax Margin | -497.95% |
| Profit Margin | n/a |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | n/a |
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 | 0.46% |
| Shareholder Yield | 0.46% |
| Earnings Yield | -71.07% |
| FCF Yield | -5.71% |
Analyst Forecast
The average price target for Open Lending is $2.83, which is 58.10% higher than the current price. The consensus rating is "Buy".
| Price Target | $2.83 |
| Price Target Difference | 58.10% |
| Analyst Consensus | Buy |
| Analyst Count | 7 |
| 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 -0.24 and a Piotroski F-Score of 2. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | -0.24 |
| Piotroski F-Score | 2 |
