Open Lending Statistics
Total Valuation
Open Lending has a market cap or net worth of $329.41 million. The enterprise value is $229.23 million.
Important Dates
The last earnings date was Monday, March 31, 2025, after market close.
| Earnings Date | Mar 31, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
Open Lending has 119.35 million shares outstanding. The number of shares has decreased by -1.89% in one year.
| Current Share Class | 119.35M |
| Shares Outstanding | 119.35M |
| Shares Change (YoY) | -1.89% |
| Shares Change (QoQ) | -0.12% |
| Owned by Insiders (%) | 2.91% |
| Owned by Institutions (%) | 63.32% |
| Float | 91.63M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 16.60 |
| PS Ratio | 13.69 |
| Forward PS | 2.87 |
| PB Ratio | 4.22 |
| P/TBV Ratio | 4.22 |
| P/FCF Ratio | 18.90 |
| P/OCF Ratio | 18.72 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 9.54 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 13.15 |
Financial Position
The company has a current ratio of 5.84, with a Debt / Equity ratio of 1.83.
| Current Ratio | 5.84 |
| Quick Ratio | 5.54 |
| Debt / Equity | 1.83 |
| Debt / EBITDA | n/a |
| Debt / FCF | 8.20 |
| Interest Coverage | -5.78 |
Financial Efficiency
Return on equity (ROE) is -95.19% and return on invested capital (ROIC) is -14.22%.
| Return on Equity (ROE) | -95.19% |
| Return on Assets (ROA) | -12.19% |
| Return on Invested Capital (ROIC) | -14.22% |
| Return on Capital Employed (ROCE) | -26.24% |
| Revenue Per Employee | $114,400 |
| Profits Per Employee | -$642,905 |
| Employee Count | 210 |
| Asset Turnover | 0.07 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Open Lending has paid $70.41 million in taxes.
| Income Tax | 70.41M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has decreased by -55.91% in the last 52 weeks. The beta is 1.57, so Open Lending's price volatility has been higher than the market average.
| Beta (5Y) | 1.57 |
| 52-Week Price Change | -55.91% |
| 50-Day Moving Average | 4.89 |
| 200-Day Moving Average | 5.60 |
| Relative Strength Index (RSI) | 20.51 |
| Average Volume (20 Days) | 1,196,054 |
Short Selling Information
The latest short interest is 3.25 million, so 2.73% of the outstanding shares have been sold short.
| Short Interest | 3.25M |
| Short Previous Month | 3.14M |
| Short % of Shares Out | 2.73% |
| Short % of Float | 3.55% |
| Short Ratio (days to cover) | 6.09 |
Income Statement
In the last 12 months, Open Lending had revenue of $24.02 million and -$135.01 million in losses. Loss per share was -$1.13.
| Revenue | 24.02M |
| Gross Profit | 169,000 |
| Operating Income | -65.38M |
| Pretax Income | 8.44M |
| Net Income | -135.01M |
| EBITDA | -63.70M |
| EBIT | -65.38M |
| Loss Per Share | -$1.13 |
Full Income StatementBalance Sheet
The company has $243.16 million in cash and $142.99 million in debt, giving a net cash position of $100.17 million or $0.84 per share.
| Cash & Cash Equivalents | 243.16M |
| Total Debt | 142.99M |
| Net Cash | 100.17M |
| Net Cash Per Share | $0.84 |
| Equity (Book Value) | 78.09M |
| Book Value Per Share | 0.65 |
| Working Capital | 228.47M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $17.60 million and capital expenditures -$165,000, giving a free cash flow of $17.43 million.
| Operating Cash Flow | 17.60M |
| Capital Expenditures | -165,000 |
| Free Cash Flow | 17.43M |
| FCF Per Share | $0.15 |
Full Cash Flow StatementMargins
| Gross Margin | 0.70% |
| Operating Margin | -272.14% |
| Pretax Margin | -268.92% |
| Profit Margin | n/a |
| EBITDA Margin | -265.17% |
| EBIT Margin | -272.14% |
| FCF Margin | 72.56% |