Nuvei Statistics
Total Valuation
Open Lending has a market cap or net worth of $263.52 million. The enterprise value is $171.84 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 (%) | 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 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 -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.
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 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 |