LPRO Open Lending Corp
Price (delayed)
$6.57
Market cap
$784.13M
P/E Ratio
219
Dividend/share
N/A
EPS
$0.03
Enterprise value
$668.15M
Open Lending provides loan analytics, risk-based pricing, risk modeling and default insurance to auto lenders throughout the United States. For 20 years they have been empowering financial institutions to create
Highlights
The equity has grown by 2.7% YoY
The debt has declined by 2.4% year-on-year
LPRO's P/E is 96% above its last 4 quarters average of 111.9
The EPS has plunged by 83% YoY and by 25% from the previous quarter
Key stats
What are the main financial stats of LPRO
Market
Valuations
Earnings
Shares outstanding
119.35M
Market cap
$784.13M
Enterprise value
$668.15M
Price to earnings (P/E)
219
Price to book (P/B)
3.55
Price to sales (P/S)
8.17
EV/EBIT
38.59
EV/EBITDA
34.09
EV/Sales
6.97
Revenue
$95.89M
Gross profit
$72.93M
Operating income
$4.9M
Net income
$4.58M
EBIT
$17.32M
EBITDA
$19.6M
Free cash flow
$34.4M
Per share
Balance sheet
Liquidity
EPS
$0.03
EPS diluted
$0.03
Free cash flow per share
$0.29
Book value per share
$1.85
Revenue per share
$0.8
TBVPS
$3.32
Total assets
$395.71M
Total liabilities
$175.24M
Debt
$144.97M
Equity
$220.46M
Working capital
$263.45M
Debt to equity
0.66
Current ratio
9.42
Quick ratio
8.49
Net debt/EBITDA
-5.92
Margins
Efficiency
Dividend
EBITDA margin
20.4%
Gross margin
76.1%
Net margin
4.8%
Operating margin
5.1%
Return on assets
1.2%
Return on equity
2.1%
Return on invested capital
6.9%
Return on capital employed
4.8%
Return on sales
18.1%
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A
LPRO stock price
How has the Open Lending stock price performed over time
Intraday
7.35%
1 week
16.49%
1 month
12.5%
1 year
-7.2%
YTD
10.05%
QTD
10.05%
Financial performance
How have Open Lending's revenue and profit performed over time
Revenue
$95.89M
Gross profit
$72.93M
Operating income
$4.9M
Net income
$4.58M
Gross margin
76.1%
Net margin
4.8%
The operating income has dropped by 88% year-on-year and by 35% since the previous quarter
Open Lending's operating margin has plunged by 84% YoY and by 34% from the previous quarter
Open Lending's net income has shrunk by 80% YoY and by 25% QoQ
The net margin has dropped by 73% year-on-year and by 23% since the previous quarter
Growth
What is Open Lending's growth rate over time
Valuation
What is Open Lending stock price valuation
P/E
219
P/B
3.55
P/S
8.17
EV/EBIT
38.59
EV/EBITDA
34.09
EV/Sales
6.97
LPRO's P/E is 96% above its last 4 quarters average of 111.9
The EPS has plunged by 83% YoY and by 25% from the previous quarter
LPRO's P/B is 89% below its 5-year quarterly average of 33.3 and 4.1% below its last 4 quarters average of 3.7
The equity has grown by 2.7% YoY
The stock's price to sales (P/S) is 37% less than its 5-year quarterly average of 13.0 but 9% more than its last 4 quarters average of 7.5
The revenue has contracted by 26% YoY and by 2.6% from the previous quarter
Efficiency
How efficient is Open Lending business performance
Open Lending's ROA has plunged by 80% YoY and by 25% from the previous quarter
The ROE has plunged by 80% YoY and by 28% from the previous quarter
The ROIC has plunged by 61% YoY and by 9% from the previous quarter
The ROS has plunged by 54% YoY and by 9% from the previous quarter
Dividends
What is LPRO's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A
There are no recent dividends present for LPRO.
Financial health
How did Open Lending financials performed over time
The total assets is 126% more than the total liabilities
The current ratio is down by 36% YoY and by 29% from the previous quarter
Open Lending's quick ratio has decreased by 30% YoY and by 27% QoQ
The debt is 34% smaller than the equity
The debt to equity has declined by 4.3% year-on-year and by 2.9% since the previous quarter
The equity has grown by 2.7% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.