LPRO Open Lending Corp

Price (delayed)

$32.78

Market cap

$4.14B

P/E Ratio

59.6

Dividend/share

N/A

EPS

$0.55

Enterprise value

$4.23B

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 EPS has soared by 152% from the previous quarter and by 118% YoY
The equity has soared by 142% from the previous quarter and by 121% YoY
Open Lending's quick ratio has surged by 69% YoY but it has decreased by 36% QoQ

Key stats

What are the main financial stats of LPRO
Market
Shares outstanding
126.19M
Market cap
$4.14B
Enterprise value
$4.23B
Valuations
Price to earnings (P/E)
59.6
Price to book (P/B)
42.61
Price to sales (P/S)
23.71
EV/EBIT
54.61
EV/EBITDA
53.3
EV/Sales
24.23
Earnings
Revenue
$174.53M
EBIT
$77.45M
EBITDA
$79.35M
Free cash flow
$44M
Per share
EPS
$0.55
Free cash flow per share
$0.35
Book value per share
$0.77
Revenue per share
$1.38
TBVPS
$2.07
Balance sheet
Total assets
$261.14M
Total liabilities
$164.06M
Debt
$152.54M
Equity
$97.08M
Working capital
$119.11M
Liquidity
Debt to equity
1.57
Current ratio
9.13
Quick ratio
4.62
Net debt/EBITDA
1.17
Margins
EBITDA margin
45.5%
Gross margin
92.6%
Net margin
18.8%
Operating margin
65.1%
Efficiency
Return on assets
13.5%
Return on equity
80.2%
Return on invested capital
22.8%
Return on capital employed
31.4%
Return on sales
44.4%
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
-1.38%
1 week
-4.68%
1 month
-14.7%
1 year
20.74%
YTD
-6.24%
QTD
-9.12%

Financial performance

How have Open Lending's revenue and profit performed over time
Revenue
$174.53M
Gross profit
$161.56M
Operating income
$113.65M
Net income
$32.9M
Gross margin
92.6%
Net margin
18.8%
The operating income has surged by 151% year-on-year and by 56% since the previous quarter
Open Lending's net income has surged by 135% QoQ
The net margin has surged by 127% since the previous quarter
LPRO's gross profit has surged by 104% year-on-year and by 29% since the previous quarter

Growth

What is Open Lending's growth rate over time

Valuation

What is Open Lending stock price valuation
P/E
59.6
P/B
42.61
P/S
23.71
EV/EBIT
54.61
EV/EBITDA
53.3
EV/Sales
24.23
The EPS has soared by 152% from the previous quarter and by 118% YoY
The equity has soared by 142% from the previous quarter and by 121% YoY
LPRO's P/B is 59% below its last 4 quarters average of 104.8
The revenue has soared by 99% YoY and by 29% from the previous quarter
The stock's price to sales (P/S) is 22% less than its last 4 quarters average of 30.4

Efficiency

How efficient is Open Lending business performance
The ROS has soared by 189% from the previous quarter
Open Lending's ROA has soared by 143% from the previous quarter and by 116% YoY

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 59% more than the total liabilities
The current ratio has soared by 100% YoY but it is down by 9% from the previous quarter
Open Lending's total liabilities has plunged by 75% YoY and by 43% from the previous quarter
The debt is 57% greater than the equity
The equity has soared by 142% from the previous quarter and by 121% YoY
The debt to equity has dropped by 65% since the previous quarter

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