LPRO Open Lending Corp

Price (delayed)

$6.26

Market cap

$744.17M

P/E Ratio

34.78

Dividend/share

N/A

EPS

$0.18

Enterprise value

$644.99M

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 2.7% year-on-year
Open Lending's net income has shrunk by 67% YoY and by 2.9% QoQ
The EPS has plunged by 66% YoY

Key stats

What are the main financial stats of LPRO
Market
Shares outstanding
118.88M
Market cap
$744.17M
Enterprise value
$644.99M
Valuations
Price to book (P/B)
3.65
Price to sales (P/S)
6.44
EV/EBIT
16.32
EV/EBITDA
15.62
EV/Sales
5.49
Earnings
Revenue
$117.46M
EBIT
$39.52M
EBITDA
$41.3M
Free cash flow
$80.48M
Per share
EPS
$0.18
Free cash flow per share
$0.67
Book value per share
$1.72
Revenue per share
$0.97
TBVPS
$3.1
Balance sheet
Total assets
$374.04M
Total liabilities
$168.46M
Debt
$147.5M
Equity
$205.58M
Working capital
$269.29M
Liquidity
Debt to equity
0.72
Current ratio
14.08
Quick ratio
12.2
Net debt/EBITDA
-2.4
Margins
EBITDA margin
35.2%
Gross margin
81%
Net margin
18.8%
Operating margin
24.8%
Efficiency
Return on assets
5.8%
Return on equity
10.4%
Return on invested capital
14.3%
Return on capital employed
11.2%
Return on sales
33.6%
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
1.13%
1 week
-15.41%
1 month
-14.6%
1 year
-10.7%
YTD
-26.44%
QTD
-26.44%

Financial performance

How have Open Lending's revenue and profit performed over time
Revenue
$117.46M
Gross profit
$95.18M
Operating income
$29.08M
Net income
$22.07M
Gross margin
81%
Net margin
18.8%
The operating income has dropped by 70% year-on-year and by 31% since the previous quarter
Open Lending's net income has shrunk by 67% YoY and by 2.9% QoQ
Open Lending's operating margin has plunged by 54% YoY and by 24% from the previous quarter
The net margin has declined by 49% year-on-year but it rose by 7% since the previous quarter

Growth

What is Open Lending's growth rate over time

Valuation

What is Open Lending stock price valuation
P/E
34.78
P/B
3.65
P/S
6.44
EV/EBIT
16.32
EV/EBITDA
15.62
EV/Sales
5.49
The EPS has plunged by 66% YoY
LPRO's P/E is 3.8% above its last 4 quarters average of 33.5
LPRO's P/B is 92% below its 5-year quarterly average of 44.3 and 24% below its last 4 quarters average of 4.8
The equity has contracted by 4.3% from the previous quarter and by 3.4% YoY
The stock's price to sales (P/S) is 48% less than its 5-year quarterly average of 12.3 and 11% less than its last 4 quarters average of 7.2
The revenue has contracted by 35% YoY and by 9% from the previous quarter

Efficiency

How efficient is Open Lending business performance
Open Lending's ROA has plunged by 68% YoY and by 3.3% from the previous quarter
The ROE has plunged by 67% YoY and by 2.8% from the previous quarter
The ROIC has plunged by 53% YoY and by 19% from the previous quarter
The ROS has contracted by 39% 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 122% more than the total liabilities
The current ratio is down by 24% YoY and by 4.3% from the previous quarter
Open Lending's quick ratio has decreased by 14% YoY
The debt is 28% smaller than the equity
The debt to equity rose by 4.3% since the previous quarter
The equity has contracted by 4.3% from the previous quarter and by 3.4% YoY

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