Open Lending Corporation (LPRO)
NASDAQ: LPRO · Real-Time Price · USD
2.230
-0.020 (-0.89%)
At close: Aug 8, 2025, 4:00 PM
2.220
-0.010 (-0.45%)
After-hours: Aug 8, 2025, 7:22 PM EDT

Nuvei Statistics

Total Valuation

Open Lending has a market cap or net worth of $263.52 million. The enterprise value is $171.84 million.

Market Cap263.52M
Enterprise Value 171.84M

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 (%) 49.36%
Float 101.58M

Valuation Ratios

PE Ratio n/a
Forward PE 31.86
PS Ratio 16.36
Forward PS 2.26
PB Ratio 3.34
P/TBV Ratio 3.57
P/FCF Ratio 54.46
P/OCF Ratio 52.61
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings n/a
EV / Sales 10.57
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 35.51

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 Count205
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 -59.53% 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 -59.53%
50-Day Moving Average 2.21
200-Day Moving Average 3.83
Relative Strength Index (RSI) 46.37
Average Volume (20 Days) 819,198

Short Selling Information

The latest short interest is 2.45 million, so 2.07% of the outstanding shares have been sold short.

Short Interest 2.45M
Short Previous Month 2.35M
Short % of Shares Out 2.07%
Short % of Float 2.41%
Short Ratio (days to cover) 1.97

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.

Revenue16.26M
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 Statement

Balance 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 Sheet

Cash 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 Statement

Margins

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 -53.64%
FCF Yield 1.84%

Analyst Forecast

The average price target for Open Lending is $3.33, which is 49.33% higher than the current price. The consensus rating is "Buy".

Price Target $3.33
Price Target Difference 49.33%
Analyst Consensus Buy
Analyst Count 7
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Fair 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