Stock Scorecard

Stock Summary for Open Lending Corp (LPRO) - $2.58 as of 7/25/2025 12:56:04 PM EST

Total Score

6 out of 30

Safety Score

26 out of 100

Currently on the following lists
None
Tim's Recommendation
Avoid

Growth List Algorithm Criteria for LPRO

Positive Quarterly and Annual earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the Annual earnings growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for LPRO

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for LPRO

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2
Cash Flow per Share greater than Trailing Dividend Rate

Bonus Criteria for LPRO

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Safety Rating Criteria for LPRO (26 out of 100)

Stock Price Rating (Max of 10) 3
Historical Stock Price Rating (Max of 10) 7
Stock Price Trend (Max of 10) 1
Book Value (Max of 10) 1
Book Value to Price (Max of 10) 0
Analyst Buy Ratings (Max of 5) 3
Analyst Strong Buy Ratings (Max of 5) 4
Dividend Yield Percentage (Max of 10) 0
Operating Margin (Max of 10) 1
Trading Volume (Max of 10) 6
Price to Earnings (Max of 10) 0
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Latest News for for LPRO

World Acceptance ( WRLD ) Q1 Earnings Lag Estimates 7/24/2025 1:05:00 PM
Capital One ( COF ) Surpasses Q2 Earnings and Revenue Estimates 7/22/2025 9:20:00 PM
Kuehn Law Encourages Investors of Open Lending Corporation to Contact Law Firm - Open Lending ( NASDAQ:LPRO ) 7/9/2025 1:25:00 PM
Bragar Eagel & Squire, P.C. Reminds Investors That Class Action Lawsuits Have Been Filed Against Open Lending Corporation and Civitas Resources and Encourages Investors to Contact the Firm - Open Lending ( NASDAQ:LPRO ) , Civitas Resources ( NYSE:CIVI ) 7/1/2025 1:00:00 AM
June 30, 2025 Deadline: Contact Levi & Korsinsky to Join Class Action Suit Against LPRO - Open Lending ( NASDAQ:LPRO ) 6/30/2025 7:47:00 PM
DEADLINE ALERT for LPRO and CIVI: The Law Offices of Frank R. Cruz Reminds Investors of Class Actions on Behalf of Shareholders - Open Lending ( NASDAQ:LPRO ) , Civitas Resources ( NYSE:CIVI ) 6/30/2025 12:55:00 PM
LPRO DEADLINE TOMORROW: ROSEN, SKILLED INVESTOR COUNSEL, Encourages Open Lending Corporation Investors with Losses in Excess of $100K to Secure Counsel Before Important June 30 Deadline in Securities Class Action - LPRO - Open Lending ( NASDAQ:LPRO ) 6/29/2025 3:35:00 PM
SHAREHOLDER NOTICE: Faruqi & Faruqi, LLP Investigates Claims on Behalf of Investors of Open Lending 6/29/2025 11:39:00 AM
LPRO Investors Have the Opportunity to Lead the Open Lending Securities Fraud Lawsuit with Faruqi & Faruqi, LLP - Open Lending ( NASDAQ:LPRO ) 6/28/2025 11:55:00 AM
Open Lending Corporation Sued for Securities Law Violations - Investors Should Contact Levi & Korsinsky for More Information - LPRO - Open Lending ( NASDAQ:LPRO ) 6/27/2025 8:08:00 PM

Financial Details for LPRO

Company Overview
Ticker LPRO
Company Name Open Lending Corp
Country USA
Description Open Lending Corporation provides loan enablement and risk analysis solutions to credit unions, regional banks, and captive OEM finance companies in the United States. The company is headquartered in Austin, Texas.
Sector Name FINANCE
Industry Name PERSONAL CREDIT INSTITUTIONS
Most Recent Quarter 3/31/2025
Next Earnings Date 8/12/2025

Stock Price History
Last Day Price 2.58
Price 4 Years Ago 22.48
Last Day Price Updated 7/25/2025 12:56:04 PM EST
Last Day Volume 593,615
Average Daily Volume 1,131,152
52-Week High 6.92
52-Week Low 0.70
Last Price to 52 Week Low 268.57%

Valuation Measures
Trailing PE N/A
Industry PE 16.53
Sector PE 20.38
5-Year Average PE 16.66
Free Cash Flow Ratio 1.31
Industry Free Cash Flow Ratio 28.38
Sector Free Cash Flow Ratio 12.23
Current Ratio Most Recent Quarter 6.21
Total Cash Per Share 1.97
Book Value Per Share Most Recent Quarter 0.67
Price to Book Ratio 3.84
Industry Price to Book Ratio 1.66
Sector Price to Book Ratio 2.13
Price to Sales Ratio Twelve Trailing Months 17.35
Industry Price to Sales Ratio Twelve Trailing Months 2.54
Sector Price to Sales Ratio Twelve Trailing Months 3.33
Analyst Buy Ratings 2
Analyst Strong Buy Ratings 2

Share Statistics
Total Shares Outstanding 119,786,000
Market Capitalization 309,047,880
Institutional Ownership 58.38%

Dividends
Ex-Dividend Date N/A
Previous Dividend Amount 0.0000
Current Dividend Amount 0.0000
Total Years Dividend Increasing N/A
Trailing Annual Dividend Rate 0.00
Trailing Annual Dividend Yield 0.00%
Forward Annual Dividend Rate 0.00
Forward Annual Dividend Yield 0.00%
5-Year Dividend Payments Count 0
3-Year Average Dividend Yield 0.00%
5-Year Average Dividend Yield 0.00%
1-Year Dividend Growth Rate Percentage 0.00%
3-Year Dividend Growth Rate Percentage 0.00%
5-Year Dividend Growth Rate Percentage 0.00%
All-Time Dividend Growth Rate Percentage 0.00%
Dividend Payout Ratio N/A

Income Statement
Quarterly Earnings Growth YOY -87.10%
Annual Earnings Growth -711.74%
Reported EPS 12 Trailing Months -1.16
Reported EPS Past Year -1.21
Reported EPS Prior Year -1.14
Net Income Twelve Trailing Months -139,480,000
Net Income Past Year -135,010,000
Net Income Prior Year 22,070,000
Quarterly Revenue Growth YOY -20.70%
5-Year Revenue Growth -23.69%
Operating Margin Twelve Trailing Months 3.12%

Balance Sheet
Total Cash Most Recent Quarter 236,226,000
Total Cash Past Year 243,164,000
Total Cash Prior Year 240,206,000
Net Cash Position Most Recent Quarter 66,686,000
Net Cash Position Past Year 82,737,000
Long Term Debt Past Year 160,427,000
Long Term Debt Prior Year 139,357,000
Total Debt Most Recent Quarter 169,540,000
Equity to Debt Ratio Past Year 0.33
Equity to Debt Ratio Most Recent Quarter 0.32
Total Stockholder Equity Past Year 78,087,000
Total Stockholder Equity Prior Year 205,580,000
Total Stockholder Equity Most Recent Quarter 79,829,000

Free Cash Flow
Free Cash Flow Twelve Trailing Months -1,106,000
Free Cash Flow Per Share Twelve Trailing Months -0.01
Free Cash Flow Past Year 17,433,000
Free Cash Flow Prior Year 80,480,000

Options
Put/Call Ratio 0.00
Has Options Options Chain
Liquidity Rating

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD 0.13
MACD Signal 0.13
20-Day Bollinger Lower Band 0.44
20-Day Bollinger Middle Band 2.05
20-Day Bollinger Upper Band 3.67
Beta 1.93
RSI 62.44
50-Day SMA 4.31
150-Day SMA 6.43
200-Day SMA 9.52

System
Modified 7/24/2025 4:08:13 AM EST