Open Lending Statistics
Total Valuation
Open Lending has a market cap or net worth of $196.52 million. The enterprise value is $107.95 million.
Important Dates
The next confirmed earnings date is Thursday, May 7, 2026, after market close.
| Earnings Date | May 7, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
Open Lending has 117.68 million shares outstanding. The number of shares has decreased by -0.48% in one year.
| Current Share Class | 117.68M |
| Shares Outstanding | 117.68M |
| Shares Change (YoY) | -0.48% |
| Shares Change (QoQ) | -0.06% |
| Owned by Insiders (%) | 0.68% |
| Owned by Institutions (%) | 53.16% |
| Float | 88.75M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 15.38 |
| PS Ratio | 2.11 |
| Forward PS | 1.91 |
| PB Ratio | 2.62 |
| P/TBV Ratio | 2.77 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 1.16 |
| EV / EBITDA | 17.12 |
| EV / EBIT | 18.01 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 4.52, with a Debt / Equity ratio of 1.17.
| Current Ratio | 4.52 |
| Quick Ratio | 4.18 |
| Debt / Equity | 1.17 |
| Debt / EBITDA | 11.31 |
| Debt / FCF | n/a |
| Interest Coverage | 0.62 |
Financial Efficiency
Return on equity (ROE) is -5.54% and return on invested capital (ROIC) is 1.95%.
| Return on Equity (ROE) | -5.54% |
| Return on Assets (ROA) | 1.41% |
| Return on Invested Capital (ROIC) | 1.95% |
| Return on Capital Employed (ROCE) | 3.20% |
| Weighted Average Cost of Capital (WACC) | 13.31% |
| Revenue Per Employee | $568,396 |
| Profits Per Employee | -$25,829 |
| Employee Count | 164 |
| Asset Turnover | 0.35 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -1.13M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +65.35% in the last 52 weeks. The beta is 2.02, so Open Lending's price volatility has been higher than the market average.
| Beta (5Y) | 2.02 |
| 52-Week Price Change | +65.35% |
| 50-Day Moving Average | 1.42 |
| 200-Day Moving Average | 1.84 |
| Relative Strength Index (RSI) | 61.36 |
| Average Volume (20 Days) | 610,291 |
Short Selling Information
The latest short interest is 2.71 million, so 2.30% of the outstanding shares have been sold short.
| Short Interest | 2.71M |
| Short Previous Month | 2.19M |
| Short % of Shares Out | 2.30% |
| Short % of Float | 3.05% |
| Short Ratio (days to cover) | 4.45 |
Income Statement
In the last 12 months, Open Lending had revenue of $93.22 million and -$4.24 million in losses. Loss per share was -$0.04.
| Revenue | 93.22M |
| Gross Profit | 71.66M |
| Operating Income | 5.99M |
| Pretax Income | -5.37M |
| Net Income | -4.24M |
| EBITDA | 6.30M |
| EBIT | 5.99M |
| Loss Per Share | -$0.04 |
Full Income StatementBalance Sheet
The company has $176.61 million in cash and $88.05 million in debt, with a net cash position of $88.57 million or $0.75 per share.
| Cash & Cash Equivalents | 176.61M |
| Total Debt | 88.05M |
| Net Cash | 88.57M |
| Net Cash Per Share | $0.75 |
| Equity (Book Value) | 74.96M |
| Book Value Per Share | 0.64 |
| Working Capital | 173.43M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$3.19 million and capital expenditures -$56,000, giving a free cash flow of -$3.25 million.
| Operating Cash Flow | -3.19M |
| Capital Expenditures | -56,000 |
| Depreciation & Amortization | 310,000 |
| Net Borrowing | -55.50M |
| Free Cash Flow | -3.25M |
| FCF Per Share | -$0.03 |
Full Cash Flow StatementMargins
Gross margin is 76.88%, with operating and profit margins of 6.43% and -4.54%.
| Gross Margin | 76.88% |
| Operating Margin | 6.43% |
| Pretax Margin | -5.76% |
| Profit Margin | -4.54% |
| EBITDA Margin | 6.76% |
| EBIT Margin | 6.43% |
| 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 | 0.48% |
| Shareholder Yield | 0.48% |
| Earnings Yield | -2.16% |
| FCF Yield | -1.65% |
Analyst Forecast
The average price target for Open Lending is $2.58, which is 54.49% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $2.58 |
| Price Target Difference | 54.49% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 4 |
| 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 0.55 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 0.55 |
| Piotroski F-Score | 5 |
