LPRO - NASDAQ

Open Lending Corporation

Open Lending Corporation

LPROยทNASDAQ

$2.18

-12%
Financial ServicesFinancial - Credit Services

Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, and non-bank auto finance companies and captive finance companies of original equipment manufacturers in the United States. It offers Lenders Protection Program (LPP), which is a Software as a Service platform that facilitates loan decision making and automated underwriting by third-party lenders and the issuance of credit default insurance through 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.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$257.71M
EPS-0.0357
P/E Ratio-61.06
Earnings Date08/05/2026
Open Lending Corporation

Open Lending Corporation Fair Value Envelope

LPRO ยท NASDAQ

Our analysis suggests that LPRO has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $2.18, this represents a potential HIDDEN relative to our calculated worth for Open Lending Corporation.

HIDDEN
Intrinsic Value
Current Price: $2.18

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value-$2.8M
+ Cash & Equivalents$176.6M
Firm Value$173.9M
- Debt$88.0M
Equity Value$85.8M
/ Shares Outstanding118,172,477B
DCF Value$1
OVERVALUED BY 67%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
-$1.6M
-$798.5K
-$399.3K
-$199.6K
-$99.8K
-$49.9K
-$25.0K
-$12.5K
-$6.2K
-$3.1K
Maintenance CapEx
-$5.6K
-$2.8K
-$1.4K
-$700
-$350
-$175
-$88
-$44
-$22
-$11
Owner Earnings
-$1.6M
-$801.3K
-$400.7K
-$200.3K
-$100.2K
-$50.1K
-$25.0K
-$12.5K
-$6.3K
-$3.1K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
-$1.5M
-$687.0K
-$318.0K
-$147.2K
-$68.2K
-$31.6K
-$14.6K
-$6.8K
-$3.1K
-$1.4K
Terminal Value represents 0.0% of Enterprise Value
Negative Owner Earnings
This company generates negative free cash flow. Consider adjusting maintenance CapEx percentage or check the financial data.

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