Open Lending Corp (LPRO)

$4.87

Live

Insights on Open Lending Corp

  • Decreasing Revenue

    Revenue is down for the last 4 quarters, 38.36M → 14.93M (in $), with an average decrease of 25.0% per quarter

  • Decreasing Net Profit

    Netprofit is down for the last 4 quarters, 12.53M → -4.84M (in $), with an average decrease of 114.7% per quarter

  • Vs COF

    In the last 1 year, Capital One Financial Corporation has given 56.8% return, outperforming this stock by 83.2%

  • Vs AXP

    In the last 3 years, American Express Co. has given 9.7% return, outperforming this stock by 96.6%

Performance

  • $4.72
    $4.88
    $4.87
    downward going graph

    3.08%

    Downside

    Day's Volatility :3.28%

    Upside

    0.2%

    downward going graph
  • $4.57
    $11.99
    $4.87
    downward going graph

    6.16%

    Downside

    52 Weeks Volatility :61.88%

    Upside

    59.38%

    downward going graph

Returns

PeriodOpen Lending CorpSector (Financials)Index (Russel 2000)
3 Months
-36.01%
6.8%
0.0%
6 Months
-22.08%
28.1%
0.0%
1 Year
-26.44%
26.3%
1.3%
3 Years
-87.24%
16.2%
-22.1%

Highlights

Market Capitalization
591.0M
Book Value
$1.73
Earnings Per Share (EPS)
0.18
PE Ratio
27.56
Wall Street Target Price
8.11
Profit Margin
18.79%
Operating Margin TTM
-55.4%
Return On Assets TTM
4.82%
Return On Equity TTM
10.55%
Revenue TTM
117.5M
Revenue Per Share TTM
0.97
Quarterly Revenue Growth YOY
-44.3%
Gross Profit TTM
159.6M
EBITDA
30.2M
Diluted Eps TTM
0.18
Quarterly Earnings Growth YOY
-0.89
EPS Estimate Current Year
0.26
EPS Estimate Next Year
0.35
EPS Estimate Current Quarter
0.04
EPS Estimate Next Quarter
0.06

Analyst Recommendation

Buy
    72%Buy
    22%Hold
    5%Sell
Based on 18 Wall street analysts offering stock ratings for Open Lending Corp(by analysts ranked 0 to 5 stars)
Based on 18 analyst
  • Current
  • 1M Ago
  • 3M Ago
Buy
13
13
13
Hold
4
4
4
Sell
1
1
1

Analyst Forecast

What analysts predicted

Upside of 66.53%

Current $4.87
Target $8.11

Company Financials

FY18Y/Y Change
Revenue
52.2M
-
Net Income
28.3M
↓ 92274.05%
Net Profit Margin
54.18%
-
FY19Y/Y Change
Revenue
92.8M
↑ 77.9%
Net Income
62.5M
↑ 121.17%
Net Profit Margin
67.36%
↑ 13.18%
FY20Y/Y Change
Revenue
108.9M
↑ 17.28%
Net Income
-97.6M
↓ 255.99%
Net Profit Margin
-89.6%
↓ 156.96%
FY21Y/Y Change
Revenue
215.7M
↑ 98.04%
Net Income
146.1M
↓ 249.73%
Net Profit Margin
67.74%
↑ 157.34%
FY22Y/Y Change
Revenue
179.6M
↓ 16.72%
Net Income
66.6M
↓ 54.4%
Net Profit Margin
37.09%
↓ 30.65%
FY23Y/Y Change
Revenue
117.5M
↓ 34.6%
Net Income
22.1M
↓ 66.87%
Net Profit Margin
18.79%
↓ 18.3%
Q3 FY22Q/Q Change
Revenue
50.7M
↓ 2.66%
Net Income
24.5M
↑ 6.07%
Net Profit Margin
48.42%
↑ 3.98%
Q4 FY22Q/Q Change
Revenue
26.8M
↓ 47.06%
Net Income
-4.2M
↓ 117.08%
Net Profit Margin
-15.62%
↓ 64.04%
Q1 FY23Q/Q Change
Revenue
38.4M
↑ 43.03%
Net Income
12.5M
↓ 399.31%
Net Profit Margin
32.68%
↑ 48.3%
Q2 FY23Q/Q Change
Revenue
38.2M
↓ 0.54%
Net Income
11.4M
↓ 9.31%
Net Profit Margin
29.8%
↓ 2.88%
Q3 FY23Q/Q Change
Revenue
26.0M
↓ 31.84%
Net Income
3.0M
↓ 73.59%
Net Profit Margin
11.55%
↓ 18.25%
Q4 FY23Q/Q Change
Revenue
14.9M
↓ 42.56%
Net Income
-4.8M
↓ 261.24%
Net Profit Margin
-32.41%
↓ 43.96%
FY18Y/Y Change
Total Assets
279.5M
↑ 114023.93%
Total Liabilities
10.0M
↑ 3885.4%
FY19Y/Y Change
Total Assets
79.2M
↓ 71.67%
Total Liabilities
314.0M
↑ 3043.6%
FY20Y/Y Change
Total Assets
294.0M
↑ 271.29%
Total Liabilities
267.4M
↓ 14.84%
FY21Y/Y Change
Total Assets
318.8M
↑ 8.44%
Total Liabilities
159.8M
↓ 40.22%
FY22Y/Y Change
Total Assets
379.6M
↑ 19.07%
Total Liabilities
166.8M
↑ 4.36%
FY23Y/Y Change
Total Assets
374.0M
↓ 1.47%
Total Liabilities
168.5M
↑ 0.99%
Q3 FY22Q/Q Change
Total Assets
399.0M
↑ 8.76%
Total Liabilities
165.7M
↑ 3.98%
Q4 FY22Q/Q Change
Total Assets
379.6M
↓ 4.85%
Total Liabilities
166.8M
↑ 0.67%
Q1 FY23Q/Q Change
Total Assets
372.9M
↓ 1.77%
Total Liabilities
167.3M
↑ 0.32%
Q2 FY23Q/Q Change
Total Assets
386.8M
↑ 3.73%
Total Liabilities
167.7M
↑ 0.18%
Q3 FY23Q/Q Change
Total Assets
383.4M
↓ 0.88%
Total Liabilities
168.7M
↑ 0.6%
Q4 FY23Q/Q Change
Total Assets
374.0M
↓ 2.44%
Total Liabilities
168.5M
↓ 0.12%
FY18Y/Y Change
Operating Cash Flow
28.6M
↑ 118.46%
Investing Cash Flow
-106.0K
↑ 120.83%
Financing Cash Flow
-21.4M
↑ 51.83%
FY19Y/Y Change
Operating Cash Flow
41.8M
↑ 46.02%
Investing Cash Flow
-99.0K
↓ 6.6%
Financing Cash Flow
-44.9M
↑ 110.05%
FY20Y/Y Change
Operating Cash Flow
24.6M
↓ 41.0%
Investing Cash Flow
-1.2M
↑ 1108.08%
Financing Cash Flow
70.8M
↓ 257.69%
FY21Y/Y Change
Operating Cash Flow
95.2M
↑ 286.19%
Investing Cash Flow
-2.0M
↑ 66.14%
Financing Cash Flow
-77.8M
↓ 209.89%
FY22Y/Y Change
Operating Cash Flow
107.4M
↑ 12.9%
Investing Cash Flow
-624.0K
↓ 68.6%
Financing Cash Flow
-17.8M
↓ 77.13%
Q3 FY22Q/Q Change
Operating Cash Flow
31.4M
↑ 45.05%
Investing Cash Flow
-273.0K
↑ 53.37%
Financing Cash Flow
2.9M
↓ 461.74%
Q4 FY22Q/Q Change
Operating Cash Flow
22.4M
↓ 28.58%
Investing Cash Flow
13.0K
↓ 104.76%
Financing Cash Flow
-19.1M
↓ 755.36%
Q1 FY23Q/Q Change
Operating Cash Flow
29.5M
↑ 31.53%
Investing Cash Flow
-335.0K
↓ 2676.92%
Financing Cash Flow
-22.4M
↑ 17.32%
Q2 FY23Q/Q Change
Operating Cash Flow
16.1M
↓ 45.54%
Investing Cash Flow
-508.0K
↑ 51.64%
Financing Cash Flow
-1.1M
↓ 95.16%

Technicals Summary

Sell

Neutral

Buy

Open Lending Corp is currently not in a favorable trading position ( SELL ) according to technical analysis indicators.

More on Technical Analysis

Peers

Company Name1 Month6 Month1 Year3 Years5 Years
Open Lending Corp
Open Lending Corp
-20.03%
-22.08%
-26.44%
-87.24%
-66.94%
Paypal Holdings, Inc.
Paypal Holdings, Inc.
-1.76%
25.93%
-9.67%
-76.14%
-41.17%
Capital One Financial Corporation
Capital One Financial Corporation
5.92%
67.33%
56.79%
7.65%
69.07%
American Express Co.
American Express Co.
5.79%
66.61%
53.16%
59.05%
106.35%
Mastercard Inc.
Mastercard Inc.
-2.84%
19.72%
25.5%
19.36%
88.31%
Visa, Inc.
Visa, Inc.
-2.2%
16.12%
19.79%
19.4%
70.8%
Company NameP/E RatioP/B RatioPEG RatioEPSROEROADiv YieldBVPS
Open Lending Corp
Open Lending Corp
27.56
27.56
NA
0.26
0.11
0.05
NA
1.73
Paypal Holdings, Inc.
Paypal Holdings, Inc.
16.78
16.78
0.59
4.74
0.21
0.04
NA
19.64
Capital One Financial Corporation
Capital One Financial Corporation
12.38
12.38
1.86
13.82
0.09
0.01
0.02
139.97
American Express Co.
American Express Co.
19.68
19.68
2.25
12.15
0.33
0.04
0.01
40.01
Mastercard Inc.
Mastercard Inc.
39.06
39.06
1.56
13.51
1.67
0.22
0.01
7.42
Visa, Inc.
Visa, Inc.
31.54
31.54
1.71
9.3
0.47
0.16
0.01
18.99
Company NameAnalyst ViewMarket Cap5 Years Return %PE RatioProfit Margin
Open Lending Corp
Open Lending Corp
Buy
$591.0M
-66.94%
27.56
18.79%
Paypal Holdings, Inc.
Paypal Holdings, Inc.
Buy
$67.8B
-41.17%
16.78
14.26%
Capital One Financial Corporation
Capital One Financial Corporation
Buy
$56.3B
69.07%
12.38
18.54%
American Express Co.
American Express Co.
Buy
$171.9B
106.35%
19.68
15.81%
Mastercard Inc.
Mastercard Inc.
Buy
$431.8B
88.31%
39.06
44.61%
Visa, Inc.
Visa, Inc.
Buy
$561.0B
70.8%
31.54
53.92%

Institutional Holdings

  • Wasatch Advisors LP

    13.05%

  • T. Rowe Price Associates, Inc.

    8.98%

  • Vanguard Group Inc

    7.95%

  • Bregal North America General Partner Jersey Ltd

    6.35%

  • Bregal Sagemount I, L.P.

    6.35%

  • Bregal Sagemount Management LP

    6.35%

Company Information

open lending provides automated lending services to financial institutions. the company specializes in loan analytics, risk-based pricing, risk modeling and automated decision technology for automotive lenders throughout the united states. the company was founded in austin, tx in 2000 and is privately owned. open lending had been recognised as one of austin's fast 50 growing companies for the past 4 years and has been voted to one of austin's best places to work for the last two years. its flagship product, the lenders protection program is a unique auto lending program for direct and/or indirect loans that provides a powerful and safe way for lenders to increase near and non-prime auto loan volumes and yields without adding risk to their loan portfolio. lenders protection combines sophisticated risk-based pricing models, configured to each lender’s individual cost factors and financial targets, with reliable loan default insurance provided by amtrust financial services, an “a” rated t

Organization
Open Lending Corp
Employees
210
CEO
Mr. Charles D. Jehl
Industry
Finance

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