Open Lending Statistics
Total Valuation
Open Lending has a market cap or net worth of $153.32 million. The enterprise value is $53.93 million.
Important Dates
The next estimated earnings date is Tuesday, May 6, 2025, after market close.
| Earnings Date | May 6, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
Open Lending has 119.78 million shares outstanding. The number of shares has decreased by -1.89% in one year.
| Current Share Class | 119.78M |
| Shares Outstanding | 119.78M |
| Shares Change (YoY) | -1.89% |
| Shares Change (QoQ) | -0.12% |
| Owned by Insiders (%) | 0.96% |
| Owned by Institutions (%) | 64.58% |
| Float | 87.44M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 18.29 |
| PS Ratio | 6.35 |
| Forward PS | 1.35 |
| PB Ratio | 1.96 |
| P/TBV Ratio | 2.11 |
| P/FCF Ratio | 8.79 |
| P/OCF Ratio | 8.71 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 2.24 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 3.09 |
Financial Position
The company has a current ratio of 5.84, with a Debt / Equity ratio of 1.84.
| Current Ratio | 5.84 |
| Quick Ratio | 5.54 |
| Debt / Equity | 1.84 |
| Debt / EBITDA | n/a |
| Debt / FCF | 8.25 |
| Interest Coverage | -5.78 |
Financial Efficiency
Return on equity (ROE) is -95.19% and return on invested capital (ROIC) is -14.20%.
| Return on Equity (ROE) | -95.19% |
| Return on Assets (ROA) | -12.19% |
| Return on Invested Capital (ROIC) | -14.20% |
| Return on Capital Employed (ROCE) | -26.24% |
| Revenue Per Employee | $117,190 |
| Profits Per Employee | -$658,585 |
| Employee Count | 205 |
| 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 -74.19% 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 | -74.19% |
| 50-Day Moving Average | 3.23 |
| 200-Day Moving Average | 5.20 |
| Relative Strength Index (RSI) | 33.97 |
| Average Volume (20 Days) | 6,454,384 |
Short Selling Information
The latest short interest is 2.98 million, so 2.48% of the outstanding shares have been sold short.
| Short Interest | 2.98M |
| Short Previous Month | 3.25M |
| Short % of Shares Out | 2.48% |
| Short % of Float | 3.40% |
| Short Ratio (days to cover) | 2.61 |
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 | -65.10M |
| EBIT | -65.38M |
| Loss Per Share | -$1.13 |
Full Income StatementBalance Sheet
The company has $243.16 million in cash and $143.77 million in debt, giving a net cash position of $99.40 million or $0.83 per share.
| Cash & Cash Equivalents | 243.16M |
| Total Debt | 143.77M |
| Net Cash | 99.40M |
| Net Cash Per Share | $0.83 |
| 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 | -271.00% |
| EBIT Margin | -272.14% |
| FCF Margin | 72.56% |
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 | 1.89% |
| Shareholder Yield | 1.89% |
| Earnings Yield | -88.06% |
| FCF Yield | 11.37% |
Analyst Forecast
The average price target for Open Lending is $4.14, which is 223.44% higher than the current price. The consensus rating is "Buy".
| Price Target | $4.14 |
| Price Target Difference | 223.44% |
| Analyst Consensus | Buy |
| Analyst Count | 8 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsStock 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 0.76 and a Piotroski F-Score of 3. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 0.76 |
| Piotroski F-Score | 3 |