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LPRO Open Lending Corp
Price (delayed)
$5.57
Market cap
$664.24M
P/E Ratio
139.25
Dividend/share
N/A
EPS
$0.04
Enterprise value
$558.16M
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 2.5% from the previous quarter
The debt has declined by 2.1% year-on-year
LPRO's P/E is 93% above its last 4 quarters average of 71.1
The EPS has plunged by 89% YoY and by 64% from the previous quarter
Key stats
What are the main financial stats of LPRO
Market
Valuations
Earnings
Shares outstanding
119.25M
Market cap
$664.24M
Enterprise value
$558.16M
Price to earnings (P/E)
139.25
Price to book (P/B)
3.06
Price to sales (P/S)
6.75
EV/EBIT
28.53
EV/EBITDA
25.78
EV/Sales
5.67
Revenue
$98.42M
EBIT
$19.56M
EBITDA
$21.66M
Free cash flow
$43.62M
Per share
Balance sheet
Liquidity
EPS
$0.04
Free cash flow per share
$0.37
Book value per share
$1.82
Revenue per share
$0.83
TBVPS
$3.21
Total assets
$382.8M
Total liabilities
$166.02M
Debt
$146.39M
Equity
$216.78M
Working capital
$271.21M
Debt to equity
0.68
Current ratio
13.32
Quick ratio
11.67
Net debt/EBITDA
-4.9
Margins
Efficiency
Dividend
EBITDA margin
22%
Gross margin
77.4%
Net margin
6.2%
Operating margin
7.7%
Return on assets
1.6%
Return on equity
2.9%
Return on invested capital
7.6%
Return on capital employed
5.4%
Return on sales
19.9%
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
1.27%
1 week
1.83%
1 month
-8.99%
1 year
-7.78%
YTD
-34.55%
QTD
-8.99%
Financial performance
How have Open Lending's revenue and profit performed over time
Revenue
$98.42M
Gross profit
$76.22M
Operating income
$7.57M
Net income
$6.15M
Gross margin
77.4%
Net margin
6.2%
The operating income has dropped by 88% year-on-year and by 61% since the previous quarter
Open Lending's net income has shrunk by 86% YoY and by 58% QoQ
Open Lending's operating margin has plunged by 82% YoY and by 56% from the previous quarter
The net margin has dropped by 78% year-on-year and by 53% since the previous quarter
Growth
What is Open Lending's growth rate over time
Valuation
What is Open Lending stock price valuation
P/E
139.25
P/B
3.06
P/S
6.75
EV/EBIT
28.53
EV/EBITDA
25.78
EV/Sales
5.67
LPRO's P/E is 93% above its last 4 quarters average of 71.1
The EPS has plunged by 89% YoY and by 64% from the previous quarter
LPRO's P/B is 91% below its 5-year quarterly average of 35.0 and 23% below its last 4 quarters average of 3.9
The equity has grown by 2.5% from the previous quarter
The stock's price to sales (P/S) is 48% less than its 5-year quarterly average of 12.8 and 9% less than its last 4 quarters average of 7.3
The revenue has contracted by 36% YoY and by 10% from the previous quarter
Efficiency
How efficient is Open Lending business performance
Open Lending's ROA has plunged by 86% YoY and by 58% from the previous quarter
The ROE has plunged by 86% YoY and by 58% from the previous quarter
The ROIC has plunged by 68% YoY and by 34% from the previous quarter
The ROS has plunged by 57% YoY and by 29% 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 131% more than the total liabilities
The current ratio is down by 16% YoY
Open Lending's quick ratio has decreased by 11% YoY
The debt is 32% smaller than the equity
The equity has grown by 2.5% from the previous quarter
The debt has declined by 2.1% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.