LPRO Stock Price, Open Lending Corp Quote, Chart

Market Summary

USD6.28+0.08

Delayed

1.29%

LPRO Alerts

Big fall in Revenue (Y/Y)

Big fall in earnings (Y/Y)

LPRO Stock Price

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LPRO RSI Chart

LPRO Valuation

Market Cap

748.4M

Price/Earnings (Trailing)

51.19

Price/Sales (Trailing)

6.81

EV/EBITDA

19.78

Price/Free Cashflow

11.68

LPRO Price/Sales (Trailing)

LPRO Profitability

Operating Margin

83.05%

EBT Margin

17.85%

Return on Equity

6.91%

Return on Assets

3.84%

Free Cashflow Yield

8.56%

LPRO Fundamentals

LPRO Revenue

Revenue (TTM)

109.8M

Rev. Growth (Yr)

-19.85%

Rev. Growth (Qtr)

105.8%

LPRO Earnings

Earnings (TTM)

14.6M

Earnings Growth (Yr)

-59.43%

Earnings Growth (Qtr)

205.06%

Breaking Down LPRO Revenue

Last 7 days

6.4%

Last 30 days

31.9%

Last 90 days

-22.2%

Trailing 12 Months

-35.2%

How does LPRO drawdown profile look like?

LPRO Financial Health

Current Ratio

13.14

Debt/Equity

0.65

Debt/Cashflow

0.46

LPRO Investor Care

Buy Backs (1Y)

1.23%

Diluted EPS (TTM)

0.12

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	109.8M	0	0	0
2023	167.9M	154.0M	129.3M	117.5M
2022	221.7M	212.6M	204.4M	179.6M
2021	135.5M	174.5M	203.7M	215.7M
2020	90.8M	87.7M	95.3M	108.9M
2019	62.4M	72.5M	82.7M	92.8M
2018	0	0	0	52.2M

Get all data in R, Python etc through our Historical Stock Data APIs

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Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

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Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

Very Expensive Stocks

Very Cheap Stocks

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Tracking the Latest Insider Buys and Sells of Open Lending Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 06, 2024	jehl charles d	acquired	-	-	37,500	see remarks
May 06, 2024	jehl charles d	sold (taxes)	-70,781	5.24	-13,508	see remarks
May 05, 2024	lackey sarah	sold (taxes)	-373	5.11	-73.00	chief technology officer
May 05, 2024	jehl charles d	acquired	-	-	1,127	see remarks
May 05, 2024	roe matthew	sold (taxes)	-618	5.11	-121	chief revenue officer
May 05, 2024	roe matthew	acquired	-	-	498	chief revenue officer
May 05, 2024	jehl charles d	sold (taxes)	-1,400	5.11	-274	see remarks
May 05, 2024	lackey sarah	acquired	-	-	302	chief technology officer
Apr 12, 2024	jehl charles d	acquired	-	-	4,655	see remarks
Apr 12, 2024	jehl charles d	sold (taxes)	-5,766	5.09	-1,133	see remarks

Which funds bought or sold LPRO recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	JANE STREET GROUP, LLC	reduced	-22.71	-263,912	347,787	-%
May 16, 2024	SkyView Investment Advisors, LLC	new	-	63,000	63,000	0.01%
May 16, 2024	COMERICA BANK	reduced	-32.31	-5,713	5,665	-%
May 16, 2024	ALETHEA CAPITAL MANAGEMENT, LLC	unchanged	-	-27,000	75,120	0.06%
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-7.25	-233,223	500,850	-%
May 15, 2024	MORGAN STANLEY	added	36.01	2,026	4,098,020	-%
May 15, 2024	CITADEL ADVISORS LLC	added	2,964	1,618,510	1,693,650	-%
May 15, 2024	BARCLAYS PLC	reduced	-43.86	-761,000	533,000	-%
May 15, 2024	T. Rowe Price Investment Management, Inc.	new	-	110,000	110,000	-%
May 15, 2024	JOSH ARNOLD INVESTMENT CONSULTANT, LLC	sold off	-100	-723,350	-	-%

Are Funds Buying or Selling LPRO?

Are funds buying LPRO calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own LPRO

No. of Funds

Unveiling Open Lending Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	price t rowe associates inc /md/	8.9%	10,705,325	SC 13G/A
Feb 13, 2024	working capital management pte. ltd.	5.9%	7,088,535	SC 13G/A
Feb 13, 2024	vanguard group inc	7.91%	9,474,464	SC 13G/A
Feb 09, 2024	wasatch advisors lp	-	0	SC 13G/A
Jan 29, 2024	blackrock inc.	6.1%	7,333,212	SC 13G/A
Sep 25, 2023	working capital management pte. ltd.	5.3%	6,430,185	SC 13G
May 10, 2023	price t rowe associates inc /md/	10.2%	12,334,933	SC 13G/A
Feb 14, 2023	price t rowe associates inc /md/	8.7%	11,025,374	SC 13G
Feb 09, 2023	vanguard group inc	7.34%	9,271,675	SC 13G/A
Feb 08, 2023	wasatch advisors inc	-	0	SC 13G/A

Recent SEC filings of Open Lending Corp

View All Filings

Date Filed	Form Type	Document
May 08, 2024	10-Q	Quarterly Report
May 08, 2024	10-Q/A	Quarterly Report
May 08, 2024	8-K	Current Report
May 07, 2024	4	Insider Trading
May 07, 2024	4	Insider Trading
May 07, 2024	4	Insider Trading
May 07, 2024	8-K	Current Report
Apr 16, 2024	4	Insider Trading
Apr 11, 2024	DEFA14A	DEFA14A
Apr 11, 2024	DEF 14A	DEF 14A

Peers (Alternatives to Open Lending Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	429.6B	25.7B	0.06%	17.45%	36.27	16.72	12.62%	22.62%
AXP	174.7B	62.0B	11.59%	58.26%	19.42	2.82	11.96%	24.39%
PYPL	67.4B	30.4B	1.93%	5.24%	15.54	2.22	8.39%	60.41%
COF	54.2B	43.4B	3.71%	42.95%	13.96	1.25	26.76%	-52.19%
DFS	31.4B	17.8B	4.61%	24.66%	13.9	1.76	38.72%	-44.91%
ALLY	12.2B	14.3B	10.64%	47.10%	14.22	0.86	22.92%	-37.74%
MID-CAP
CACC	6.0B	2.0B	-6.68%	13.52%	23.99	3.08	6.86%	-40.40%
FCFS	5.3B	3.2B	-9.34%	13.89%	22.91	1.66	13.90%	-14.51%
WU	4.4B	4.4B	2.66%	5.54%	7.21	1.02	0.29%	-19.79%
NNI	4.1B	1.1B	17.27%	16.15%	29.63	3.68	26.09%	-44.07%
SMALL-CAP
ENVA	1.7B	2.2B	5.37%	34.20%	9.77	0.75	22.40%	-16.16%
ATLC	357.4M	1.2B	-5.44%	-21.25%	3.48	0.3	9.96%	-11.98%
CPSS	181.0M	360.7M	1.53%	-18.77%	5.01	0.5	6.56%	-54.11%
AIHS	8.6M	7.3M	11.11%	2.26%	-2.23	1.18	-51.06%	-195.09%
CURO	2.5M	853.2M	-12.50%	-95.07%	-0.01	0	-15.13%	-1364.54%

Open Lending Corp News

Latest updates

Open Lending Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	105.8%	31.00	15.00	26.00	38.00	38.00	27.00	51.00	52.00	50.00	52.00	59.00	61.00	44.00	40.00	30.00	22.00	17.00	26.00	22.00	25.00	19.00
Cost Of Revenue	-	-	-	-	-	-	-	-	-	-	5.00	6.00	4.00	3.00	3.00	2.00	2.00	2.00	2.00	2.00	2.00	-
Gross Profit	161.1%	25.00	10.00	21.00	32.00	33.00	22.00	45.00	47.00	45.00	47.00	53.00	57.00	41.00	37.00	27.00	20.00	15.00	24.00	20.00	23.00	18.00
Operating Expenses	-1.0%	18.00	18.00	16.00	16.00	16.00	17.00	18.00	14.00	13.00	12.00	12.00	12.00	11.00	-	-	-	-	-	-	-	-
S&GA Expenses	-3.1%	4.00	4.00	5.00	4.00	4.00	4.00	6.00	4.00	4.00	3.00	3.00	3.00	2.00	2.00	2.00	1.00	2.00	2.00	2.00	2.00	-
R&D Expenses	-1.4%	1.00	2.00	2.00	1.00	1.00	2.00	2.00	2.00	2.00	2.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	-
EBITDA Margin	-16.0%	0.29*	0.35*	0.40*	0.47*	0.52*	0.56*	0.63*	0.67*	0.94*	0.92*	0.90*	0.45*	-	-	-	-	-	-	-	-	-
Interest Expenses	-1.8%	3.00	3.00	3.00	3.00	2.00	2.00	2.00	1.00	1.00	0.00	1.00	1.00	3.00	4.00	4.00	4.00	1.00	0.00	0.00	0.00	-
Income Taxes	178.6%	2.00	-3.10	2.00	4.00	4.00	8.00	2.00	9.00	8.00	7.00	10.00	23.00	5.00	1.00	4.00	1.00	0.00	0.00	0.00	0.00	-
Earnings Before Taxes	194.5%	8.00	-7.96	5.00	16.00	17.00	4.00	26.00	32.00	31.00	35.00	40.00	99.00	17.00	16.00	-67.11	-48.45	8.00	17.00	15.00	18.00	-
EBT Margin	-27.3%	0.18*	0.25*	0.32*	0.41*	0.47*	0.52*	0.61*	0.65*	0.93*	0.89*	0.85*	0.38*	-	-	-	-	-	-	-	-	-
Net Income	205.1%	5.00	-4.84	3.00	11.00	13.00	-4.19	25.00	23.00	23.00	28.00	29.00	76.00	13.00	15.00	-71.13	-49.80	8.00	17.00	15.00	17.00	13.00
Net Income Margin	-29.2%	0.13*	0.19*	0.18*	0.29*	0.33*	0.37*	0.48*	0.49*	0.71*	0.68*	0.66*	0.19*	-	-	-	-	-	-	-	-	-
Free Cashflow	-34.2%	11.00	17.00	20.00	16.00	29.00	22.00	31.00	22.00	32.00	28.00	34.00	13.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																	(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2019Q4
Assets	1.8%	381	374	383	387	373	380	399	367	343	319	293	261	327	294	295	187	79.00
Current Assets	0.2%	290	290	294	285	272	281	283	259	221	203	166	134	191	163	157	53.00	45.00
Cash Equivalents	6.2%	255	240	233	224	211	204	205	171	150	120	94.00	60.00	130	104	118	29.00	10.00
Net PPE	5.6%	4.00	4.00	4.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	2.00	1.00	1.00	1.00	0.00
Liabilities	0.4%	169	168	169	168	167	167	166	159	159	160	166	164	287	267	261	651	-
Current Liabilities	7.4%	22.00	21.00	20.00	18.00	17.00	15.00	17.00	14.00	12.00	12.00	17.00	15.00	19.00	17.00	13.00	12.00	8.00
Long Term Debt	-0.6%	139	139	-	-	-	144	-	-	-	143	-	-	-	153	-	-	-
LT Debt, Non Current	-	-	-	-	-	-	144	-	-	-	143	-	-	-	153	-	-	-
Shareholder's Equity	2.9%	212	206	215	219	206	213	233	207	183	159	128	97.00	40.00	27.00	34.00	-	-
Retained Earnings	2.6%	-188	-193	-188	-191	-203	-215	-211	-236	-259	-282	-310	-339	-415	-428	-443	-372	-242
Additional Paid-In Capital	-0.7%	499	502	504	501	501	500	500	499	498	497	494	493	492	491	476	-92.91	8.00
Shares Outstanding	0.3%	119	119	119	121	121	124	126	126	126	126	126	127	-	-	-	-	-
Float	-	-	-	-	800	-	-	-	900	-	-	-	3,900	-	-	-	739	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2018Q4
Cashflow From Operations	-34.3%	11,006	16,755	20,324	16,071	29,508	22,434	31,410	21,655	31,932	26,733	35,440	14,148	18,835	8,265	4,369	4,931	7,075	12,624	12,095	-	-
Share Based Compensation	-30.5%	1,854	2,666	2,663	2,319	1,844	1,885	1,295	988	1,281	1,089	1,098	927	701	152	-	2,189	487	487	487	-	-
Cashflow From Investing	-8.8%	-642	-590	-745	-508	-335	13.00	-273	-178	-186	-202	-944	-838	-3.00	-99.00	-673	-341	-83.00	-33.00	-9.00	-	-
Cashflow From Financing	75.2%	-1,959	-7,907	-10,950	-1,083	-22,390	-19,084	2,912	-805	-820	-782	-781	-82,907	6,662	-21,784	85,406	-16,238	23,422	-12,677	-10,803	-	-
Dividend Payments	-	-	-	-	-	-	-	-	-	-	-	-	-	-	218	-	1,227	134,153	12,040	10,182	-	-
Buy Backs	-100.0%	-	6,000	10,107	-205	21,528	18,018	-	-	-	-	-10,764	20,000	21,528	-	-	-	-	-	-	-	-

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LPRO Income Statement

2024-03-31

Condensed Consolidated Statements of Operations - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Revenue
Total revenue	$ 30,745	$ 38,361
Cost of services	5,750	5,431
Gross profit	24,995	32,930
Operating expenses
General and administrative	11,979	10,195
Selling and marketing	4,214	4,409
Research and development	1,479	1,230
Total operating expenses	17,672	15,834
Operating income	7,323	17,096
Interest expense	(2,770)	(2,387)
Interest income	2,971	2,064
Income before income taxes	7,524	16,773
Income tax expense	2,437	4,235
Net income	$ 5,087	$ 12,538
Net income per common share
Basic (in dollars per share)	$ 0.04	$ 0.10
Diluted (in dollars per share)	$ 0.04	$ 0.10
Weighted average common shares outstanding
Basic (in shares)	118,926,170	123,122,014
Diluted (in shares)	119,416,384	123,424,322
Program fees
Revenue
Total revenue	$ 14,309	$ 17,301
Profit share
Revenue
Total revenue	13,882	18,602
Claims administration and other service fees
Revenue
Total revenue	$ 2,554	$ 2,458

LPRO Balance Sheet

2024-03-31

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Current assets
Cash and cash equivalents	$ 246,972	$ 240,206
Restricted cash	8,103	6,463
Accounts receivable, net	5,751	4,616
Current contract assets, net	21,346	28,704
Income tax receivable	5,631	7,035
Other current assets	2,665	2,852
Total current assets	290,468	289,876
Fixed assets, net	4,131	3,913
Operating lease right-of-use asset, net	3,828	3,990
Contract assets	10,582	610
Deferred tax asset, net	67,959	70,113
Other assets	3,630	5,535
Total assets	380,598	374,037
Current liabilities
Accounts payable	440	375
Accrued expenses	7,895	8,131
Current portion of debt	4,688	4,688
Third-party claims administration liability	8,126	6,464
Other current liabilities	956	932
Total current liabilities	22,105	20,590
Long-term debt, net of deferred financing costs	138,510	139,357
Operating lease liabilities	3,279	3,450
Other liabilities	5,166	5,060
Total liabilities	169,060	168,457
Stockholders’ equity
Preferred stock, $0.01 par value; $10,000,000 shares authorized, none issued and outstanding	0	0
Common stock, $0.01 par value; 550,000,000 shares authorized, 128,198,185 shares issued and 119,151,161 shares outstanding as of March 31, 2024 and 128,198,185 shares issued and 118,819,795 shares outstanding as of December 31, 2023	1,282	1,282
Additional paid-in capital	498,617	502,032
Accumulated deficit	(188,662)	(193,749)
Treasury stock at cost, 9,047,024 shares at March 31, 2024 and 9,378,390 at December 31, 2023	(99,699)	(103,985)
Total stockholders’ equity	211,538	205,580
Total liabilities and stockholders’ equity	$ 380,598	$ 374,037

About Open Lending Corp

Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, finance companies, and captive finance companies of automakers in the United States. It offers Lenders Protection Program (LPP), which is a cloud-based automotive lending platform that provides loan analytics solutions and automated issuance of credit default insurance with third-party insurance providers. The company's LPP products include loan analytics, risk-based loan pricing, risk modeling, and automated decision technology for automotive lenders. Open Lending Corporation was founded in 2000 and is based in Austin, Texas.

CEO	Mr. Keith A. Jezek
WEBSITE	openlending.com
INDUSTRY	Credit Services
EMPLOYEES	180

Open Lending Corp Frequently Asked Questions

What is the ticker symbol for Open Lending Corp? What does LPRO stand for in stocks?

LPRO is the stock ticker symbol of Open Lending Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Open Lending Corp (LPRO)?

As of Fri May 17 2024, market cap of Open Lending Corp is 748.36 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of LPRO stock?

You can check LPRO's fair value in chart for subscribers.

What is the fair value of LPRO stock?

You can check LPRO's fair value in chart for subscribers. The fair value of Open Lending Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Open Lending Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for LPRO so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Open Lending Corp a good stock to buy?

The fair value guage provides a quick view whether LPRO is over valued or under valued. Whether Open Lending Corp is cheap or expensive depends on the assumptions which impact Open Lending Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for LPRO.

What is Open Lending Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, LPRO's PE ratio (Price to Earnings) is 51.19 and Price to Sales (PS) ratio is 6.81. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. LPRO PE ratio will change depending on the future growth rate expectations of investors.