LPRO Open Lending Corp

  1. Stocks
  2. Financial Services
  3. NASDAQ: LPRO

Price (delayed)

$6.47

Market cap

$774.81M

P/E Ratio

35.94

Dividend/share

N/A

EPS

$0.18

Enterprise value

$684.9M

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 debt has declined by 2.6% year-on-year
The EPS has plunged by 77% YoY and by 49% from the previous quarter
Open Lending's net income has shrunk by 77% YoY and by 49% QoQ
Sector: Financial Services
Industry: Credit Services
Website: http://www.openlending.com
Peers: RM SFE

Key stats

What are the main financial stats of LPRO
Market
Shares outstanding
119.75M
Market cap
$774.81M
Enterprise value
$684.9M
Valuations
Price to earnings (P/E)
35.94
Price to book (P/B)
3.64
Price to sales (P/S)
6.01
EV/EBIT
13.41
EV/EBITDA
12.89
EV/Sales
5.3
Earnings
Revenue
$129.34M
EBIT
$51.06M
EBITDA
$53.15M
Free cash flow
$86.76M
Per share
EPS
$0.18
Free cash flow per share
$0.72
Book value per share
$1.78
Revenue per share
$1.08
TBVPS
$3.19
Balance sheet
Total assets
$383.38M
Total liabilities
$168.66M
Debt
$148.51M
Equity
$214.73M
Working capital
$273.88M
Liquidity
Debt to equity
0.69
Current ratio
14.71
Quick ratio
12.2
Net debt/EBITDA
-1.69
Margins
EBITDA margin
41.1%
Gross margin
83.1%
Net margin
17.6%
Operating margin
32.6%
Efficiency
Return on assets
6%
Return on equity
10.7%
Return on invested capital
17.6%
Return on capital employed
14.1%
Return on sales
39.5%
Dividend
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
1.09%
1 week
1.57%
1 month
6.07%
1 year
-4.43%
YTD
-4.15%
QTD
-11.61%

Financial performance

How have Open Lending's revenue and profit performed over time
Revenue
$129.34M
Gross profit
$107.53M
Operating income
$42.13M
Net income
$22.72M
Gross margin
83.1%
Net margin
17.6%
Open Lending's net income has shrunk by 77% YoY and by 49% QoQ
The operating income has dropped by 67% year-on-year and by 36% since the previous quarter
The net margin has dropped by 64% year-on-year and by 39% since the previous quarter
Open Lending's operating margin has decreased by 48% YoY and by 23% from the previous quarter

Growth

What is Open Lending's growth rate over time

Valuation

What is Open Lending stock price valuation
LPRO P/E details
P/E
35.94
P/B
3.64
P/S
6.01
EV/EBIT
13.41
EV/EBITDA
12.89
EV/Sales
5.3
The EPS has plunged by 77% YoY and by 49% from the previous quarter
LPRO's P/E is 44% above its last 4 quarters average of 24.9
LPRO's P/B is 92% below its 5-year quarterly average of 47.7 and 19% below its last 4 quarters average of 4.5
The equity has contracted by 8% YoY and by 2% from the previous quarter
The stock's price to sales (P/S) is 51% less than its 5-year quarterly average of 12.2 and 3.1% less than its last 4 quarters average of 6.2
The revenue has contracted by 37% YoY and by 16% from the previous quarter

Efficiency

How efficient is Open Lending business performance
The ROE has plunged by 79% YoY and by 47% from the previous quarter
Open Lending's ROA has plunged by 78% YoY and by 48% from the previous quarter
The ROIC has plunged by 54% YoY and by 25% from the previous quarter
The ROS has contracted by 37% YoY and by 15% 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 127% more than the total liabilities
The current ratio is down by 12% YoY and by 7% from the previous quarter
Open Lending's quick ratio has decreased by 7% QoQ and by 2.2% YoY
The debt is 31% smaller than the equity
The equity has contracted by 8% YoY and by 2% from the previous quarter
The debt to equity rose by 6% year-on-year

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.