Open Lending Statistics
Total Valuation
Open Lending has a market cap or net worth of $368.84 million. The enterprise value is $279.42 million.
| Market Cap | 368.84M |
| Enterprise Value | 279.42M |
Important Dates
The next estimated earnings date is Wednesday, August 5, 2026, after market close.
| Earnings Date | Aug 5, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
Open Lending has 118.22 million shares outstanding. The number of shares has decreased by -0.94% in one year.
| Current Share Class | 118.22M |
| Shares Outstanding | 118.22M |
| Shares Change (YoY) | -0.94% |
| Shares Change (QoQ) | -0.28% |
| Owned by Insiders (%) | 0.78% |
| Owned by Institutions (%) | 57.68% |
| Float | 95.28M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 23.11 |
| PS Ratio | 4.12 |
| Forward PS | 3.36 |
| PB Ratio | 4.88 |
| P/TBV Ratio | 5.14 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 3.13 |
| EV / EBITDA | 55.65 |
| EV / EBIT | 60.76 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 4.44, with a Debt / Equity ratio of 1.13.
| Current Ratio | 4.44 |
| Quick Ratio | 4.08 |
| Debt / Equity | 1.13 |
| Debt / EBITDA | 13.01 |
| Debt / FCF | n/a |
| Interest Coverage | 0.55 |
Financial Efficiency
Return on equity (ROE) is -6.85% and return on invested capital (ROIC) is 1.51%.
| Return on Equity (ROE) | -6.85% |
| Return on Assets (ROA) | 1.07% |
| Return on Invested Capital (ROIC) | 1.51% |
| Return on Capital Employed (ROCE) | 2.53% |
| Weighted Average Cost of Capital (WACC) | 15.06% |
| Revenue Per Employee | $544,604 |
| Profits Per Employee | -$32,396 |
| Employee Count | 164 |
| Asset Turnover | 0.33 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -1.20M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +60.57% in the last 52 weeks. The beta is 2.27, so Open Lending's price volatility has been higher than the market average.
| Beta (5Y) | 2.27 |
| 52-Week Price Change | +60.57% |
| 50-Day Moving Average | 2.21 |
| 200-Day Moving Average | 1.83 |
| Relative Strength Index (RSI) | 75.03 |
| Average Volume (20 Days) | 5,046,848 |
Short Selling Information
The latest short interest is 2.54 million, so 2.15% of the outstanding shares have been sold short.
| Short Interest | 2.54M |
| Short Previous Month | 2.33M |
| Short % of Shares Out | 2.15% |
| Short % of Float | 2.67% |
| Short Ratio (days to cover) | 1.93 |
Income Statement
In the last 12 months, Open Lending had revenue of $89.32 million and -$5.31 million in losses. Loss per share was -$0.05.
| Revenue | 89.32M |
| Gross Profit | 68.99M |
| Operating Income | 4.60M |
| Pretax Income | -6.51M |
| Net Income | -5.31M |
| EBITDA | 5.02M |
| EBIT | 4.60M |
| Loss Per Share | -$0.05 |
Balance Sheet
The company has $173.31 million in cash and $85.08 million in debt, with a net cash position of $88.23 million or $0.75 per share.
| Cash & Cash Equivalents | 173.31M |
| Total Debt | 85.08M |
| Net Cash | 88.23M |
| Net Cash Per Share | $0.75 |
| Equity (Book Value) | 75.32M |
| Book Value Per Share | 0.64 |
| Working Capital | 168.99M |
Cash Flow
In the last 12 months, operating cash flow was -$120,000 and capital expenditures -$11,000, giving a free cash flow of -$131,000.
| Operating Cash Flow | -120,000 |
| Capital Expenditures | -11,000 |
| Depreciation & Amortization | 422,000 |
| Net Borrowing | -55.50M |
| Free Cash Flow | -131,000 |
| FCF Per Share | -$0.00 |
Margins
Gross margin is 77.24%, with operating and profit margins of 5.15% and -5.95%.
| Gross Margin | 77.24% |
| Operating Margin | 5.15% |
| Pretax Margin | -7.29% |
| Profit Margin | -5.95% |
| EBITDA Margin | 5.62% |
| EBIT Margin | 5.15% |
| 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 | 0.94% |
| Shareholder Yield | 0.94% |
| Earnings Yield | -1.45% |
| FCF Yield | -0.04% |
Analyst Forecast
The average price target for Open Lending is $2.50, which is -19.87% lower than the current price. The consensus rating is "Hold".
| Price Target | $2.50 |
| Price Target Difference | -19.87% |
| Analyst Consensus | Hold |
| Analyst Count | 7 |
| Revenue Growth Forecast (3Y) | 9.89% |
| EPS Growth Forecast (3Y) | 95.52% |
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 0.14 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 0.14 |
| Piotroski F-Score | 5 |