LPRO Open Lending Corp

Price (delayed)

$10.725

Market cap

$1.35B

P/E Ratio

8.72

Dividend/share

N/A

EPS

$1.23

Enterprise value

$1.35B

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
Open Lending's quick ratio has surged by 78% YoY and by 22% QoQ
LPRO's P/E is 75% below its last 4 quarters average of 34.7

Key stats

What are the main financial stats of LPRO
Market
Shares outstanding
126.22M
Market cap
$1.35B
Enterprise value
$1.35B
Valuations
Price to earnings (P/E)
8.72
Price to book (P/B)
7.38
Price to sales (P/S)
6.11
EV/EBIT
6.49
EV/EBITDA
6.44
EV/Sales
6.1
Earnings
Revenue
$221.72M
EBIT
$208.67M
EBITDA
$210.26M
Free cash flow
$106.08M
Per share
EPS
$1.23
Free cash flow per share
$0.84
Book value per share
$1.45
Revenue per share
$1.76
TBVPS
$2.72
Balance sheet
Total assets
$342.73M
Total liabilities
$159.35M
Debt
$150.07M
Equity
$183.38M
Working capital
$208.19M
Liquidity
Debt to equity
0.82
Current ratio
17.78
Quick ratio
12.77
Net debt/EBITDA
0
Margins
EBITDA margin
94.8%
Gross margin
91%
Net margin
70.5%
Operating margin
69.1%
Efficiency
Return on assets
51.4%
Return on equity
110.3%
Return on invested capital
62.2%
Return on capital employed
63.2%
Return on sales
94.1%
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
1.37%
1 week
5.35%
1 month
-18.56%
1 year
-74.09%
YTD
-52.29%
QTD
-43.28%

Financial performance

How have Open Lending's revenue and profit performed over time
Revenue
$221.72M
Gross profit
$201.67M
Operating income
$153.1M
Net income
$156.37M
Gross margin
91%
Net margin
70.5%
The operating income has surged by 111% year-on-year
The revenue has soared by 64% YoY and by 2.8% from the previous quarter
LPRO's gross profit has surged by 62% year-on-year and by 2.4% since the previous quarter
Open Lending's operating margin has increased by 29% YoY

Growth

What is Open Lending's growth rate over time

Valuation

What is Open Lending stock price valuation
P/E
8.72
P/B
7.38
P/S
6.11
EV/EBIT
6.49
EV/EBITDA
6.44
EV/Sales
6.1
LPRO's P/E is 75% below its last 4 quarters average of 34.7
The EPS has grown by 6% from the previous quarter
LPRO's P/B is 76% below its last 4 quarters average of 30.6
The equity has grown by 15% from the previous quarter
The stock's price to sales (P/S) is 69% less than its last 4 quarters average of 19.4
The revenue has soared by 64% YoY and by 2.8% from the previous quarter

Efficiency

How efficient is Open Lending business performance
The ROE is down by 20% from the previous quarter
The ROIC has grown by 8% from the previous quarter
Open Lending's ROA has increased by 6% from the previous quarter
The ROS has grown by 3% 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 115% more than the total liabilities
Open Lending's quick ratio has surged by 78% YoY and by 22% QoQ
The current ratio has soared by 77% YoY and by 6% from the previous quarter
The debt is 18% smaller than the equity
The debt to equity has dropped by 82% year-on-year and by 14% since the previous quarter
The debt has declined by 16% year-on-year

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