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Company Analysis

Open Lending Corporation LPRO

A comprehensive view of key metrics, scores, and financial health for Open Lending Corporation

Overview of Open Lending Corporation

LPRO NGM
Financial Services Credit Services Micro Cap
Open Lending Corporation (LPRO), is a Micro Cap company, in the Credit Services industry, last closed at $1.45, about 55.9% overvalued vs fair value, -62.9% 1Y return, ranked 954/1004 in sector.
$1.45
19.83%
As of March 13, 2026
Previous close • Vol 90d: 77.7%
52-Week Range
Market Cap
$158.37M
Enterprise Value
$120.44M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.openlending.com
HQ Austin, TX
Employees 205
Fiscal year Dec 31

Next Events

Earnings Mar 12 Call: Mar 12

Fair Value Snapshot

Bear Base Bull
$0
$1
$1
Current: $1.45 -56% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$12.1M
17%%
Interest Expense
$11.3M
Net Interest Income
$773.0K
337.1%%
Total Revenue
$24.0M
-79.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-172.9%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
1
High Impact
1
Critical
Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Open Lending Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
24
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Weak
7
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 95% Coverage
Trade-Off Triangle Visualization A ternary plot showing LPRO's balance between Growth (4.4%), Profitability (25.6%), and Safety (70.1%). Growth 4% Safety 70% Profitability 26%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

3th percentile vs peers
3
Key Signals
Revenue CAGR 3Y -51.9% 6p Rev Growth YoY -79.5% 2p EPS Growth YoY -7.24 2p TSR -93.5% 3p
Strengths
  • Debt/Fcf Ratio in top 20% of peers (13.96, 90th percentile)
  • Quick Ratio in top 20% of peers (14.08, 82th percentile)
  • Strong liquidity position vs peers
  • Conservative leverage compared to industry peers
Risks
  • Growth in bottom 20% of peers (percentile: 3)
  • Rev Growth Yoy in bottom 20% of peers (-79.5%)
  • Eps Growth Yoy in bottom 20% of peers (-7.24)

Profitability

19th percentile vs peers
19
Key Signals
Strengths
Risks
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Safety

53th percentile vs peers
53
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Open Lending Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$0.64
- - -
-55.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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