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Financial Services - Financial - Credit Services - NASDAQ - US
$ 6.27
-0.634 %
$ 748 M
Market Cap
156.75
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one LPRO stock under the base case scenario is HIDDEN Compared to the current market price of 6.27 USD, Open Lending Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart LPRO

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FINANCIALS
117 M REVENUE
-34.60%
29.1 M OPERATING INCOME
-70.21%
22.1 M NET INCOME
-66.87%
82.7 M OPERATING CASH FLOW
-23.06%
-2.18 M INVESTING CASH FLOW
-249.04%
-42.3 M FINANCING CASH FLOW
-137.85%
23.5 M REVENUE
-12.16%
1.87 M OPERATING INCOME
-53.23%
1.44 M NET INCOME
-50.48%
11.4 M OPERATING CASH FLOW
908.60%
-1.01 M INVESTING CASH FLOW
7.00%
-1.88 M FINANCING CASH FLOW
-1525.00%
Balance Sheet Decomposition Open Lending Corporation
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Current Assets 290 M
Cash & Short-Term Investments 240 M
Receivables 40.4 M
Other Current Assets 9.32 M
Non-Current Assets 84.2 M
Long-Term Investments 0
PP&E 7.9 M
Other Non-Current Assets 76.3 M
Current Liabilities 20.6 M
Accounts Payable 375 K
Short-Term Debt 5.32 M
Other Current Liabilities 14.9 M
Non-Current Liabilities 148 M
Long-Term Debt 143 M
Other Non-Current Liabilities 5.06 M
EFFICIENCY
Earnings Waterfall Open Lending Corporation
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Revenue 117 M
Cost Of Revenue 22.3 M
Gross Profit 95.2 M
Operating Expenses 66.1 M
Operating Income 29.1 M
Other Expenses 7 M
Net Income 22.1 M
RATIOS
81.03% GROSS MARGIN
81.03%
24.75% OPERATING MARGIN
24.75%
18.79% NET MARGIN
18.79%
10.74% ROE
10.74%
5.90% ROA
5.90%
6.36% ROIC
6.36%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Open Lending Corporation
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Net Income 22.1 M
Depreciation & Amortization 1.16 M
Capital Expenditures -2.18 M
Stock-Based Compensation 9.49 M
Change in Working Capital 53.9 M
Others 7.62 M
Free Cash Flow 80.5 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Open Lending Corporation
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Wall Street analysts predict an average 1-year price target for LPRO of $7.33 , with forecasts ranging from a low of $7 to a high of $8 .
LPRO Lowest Price Target Wall Street Target
7 USD 11.64%
LPRO Average Price Target Wall Street Target
7.33 USD 16.96%
LPRO Highest Price Target Wall Street Target
8 USD 27.59%
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Open Lending Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
765 K USD 1
9-12 MONTHS
1.55 M USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
7 months ago
Mar 21, 2024
Sell 367 K USD
Flynn John Joseph
Director
- 50000
7.3458 USD
8 months ago
Feb 21, 2024
Sell 398 K USD
Flynn John Joseph
Director
- 50000
7.9606 USD
9 months ago
Feb 07, 2024
Sell 363 K USD
Flynn John Joseph
Director
- 50000
7.2537 USD
9 months ago
Jan 22, 2024
Sell 380 K USD
Flynn John Joseph
Director
- 50000
7.5963 USD
10 months ago
Jan 08, 2024
Sell 391 K USD
Flynn John Joseph
Director
- 50000
7.825 USD
10 months ago
Dec 21, 2023
Sell 415 K USD
Flynn John Joseph
Director
- 50000
8.3062 USD
1 year ago
Oct 09, 2023
Sell 353 K USD
Flynn John Joseph
Director
- 50000
7.0525 USD
1 year ago
Sep 21, 2023
Sell 359 K USD
Flynn John Joseph
Director
- 50000
7.1886 USD
1 year ago
Sep 07, 2023
Sell 404 K USD
Flynn John Joseph
Director
- 50000
8.0748 USD
1 year ago
Aug 21, 2023
Sell 418 K USD
Flynn John Joseph
Director
- 50000
8.3679 USD
1 year ago
Aug 07, 2023
Sell 515 K USD
Flynn John Joseph
Director
- 50000
10.3035 USD
1 year ago
Jul 21, 2023
Sell 560 K USD
Flynn John Joseph
Director
- 50000
11.2081 USD
1 year ago
Jul 07, 2023
Sell 501 K USD
Flynn John Joseph
Director
- 50000
10.0281 USD
1 year ago
Jun 21, 2023
Sell 517 K USD
Flynn John Joseph
Director
- 50000
10.3374 USD
1 year ago
Jun 13, 2023
Sell 44.9 K USD
RAO SHUBHI SURYAJI
Director
- 4150
10.83 USD
1 year ago
Jun 13, 2023
Sell 2.17 K USD
RAO SHUBHI SURYAJI
Director
- 200
10.84 USD
2 years ago
Nov 18, 2021
Sell 647 K USD
Flynn John Joseph
See Remarks
- 23023
28.11 USD
2 years ago
Nov 18, 2021
Sell 200 K USD
Flynn John Joseph
See Remarks
- 6895
29 USD
2 years ago
Nov 18, 2021
Sell 2.44 K USD
Flynn John Joseph
See Remarks
- 82
29.79 USD
2 years ago
Nov 18, 2021
Sell 162 K USD
Flynn John Joseph
See Remarks
- 5756
28.11 USD
2 years ago
Nov 18, 2021
Sell 50 K USD
Flynn John Joseph
See Remarks
- 1724
29 USD
2 years ago
Nov 18, 2021
Sell 596 USD
Flynn John Joseph
See Remarks
- 20
29.79 USD
3 years ago
Nov 12, 2021
Bought 99.6 K USD
Jehl Charles D
See Remarks
+ 3400
29.3 USD
3 years ago
Nov 09, 2021
Sell 1.01 M USD
Flynn John Joseph
See Remarks
- 29960
33.68 USD
3 years ago
Nov 09, 2021
Sell 1.37 K USD
Flynn John Joseph
See Remarks
- 40
34.14 USD
3 years ago
Nov 09, 2021
Sell 252 K USD
Flynn John Joseph
See Remarks
- 7490
33.68 USD
3 years ago
Nov 09, 2021
Sell 341 USD
Flynn John Joseph
See Remarks
- 10
34.14 USD
3 years ago
Nov 05, 2021
Sell 184 K USD
Jessup Ross M.
See Remarks
- 5250
35.05 USD
3 years ago
Oct 20, 2021
Sell 1.06 M USD
Flynn John Joseph
See Remarks
- 30000
35.3052 USD
3 years ago
Oct 20, 2021
Sell 265 K USD
Flynn John Joseph
See Remarks
- 7500
35.3052 USD
3 years ago
Oct 11, 2021
Sell 997 K USD
Flynn John Joseph
See Remarks
- 30000
33.2226 USD
3 years ago
Oct 11, 2021
Sell 249 K USD
Flynn John Joseph
See Remarks
- 7500
33.2226 USD
3 years ago
Oct 01, 2021
Sell 338 K USD
Jessup Ross M.
See Remarks
- 9600
35.221 USD
3 years ago
Oct 01, 2021
Sell 14.5 K USD
Jessup Ross M.
See Remarks
- 400
36.32 USD
3 years ago
Sep 20, 2021
Sell 1.16 M USD
Flynn John Joseph
See Remarks
- 30000
38.5464 USD
3 years ago
Sep 20, 2021
Sell 289 K USD
Flynn John Joseph
See Remarks
- 7500
38.5464 USD
3 years ago
Sep 09, 2021
Sell 9.22 M USD
Yoon Gene
director, 10 percent owner:
- 221626
41.5992 USD
3 years ago
Sep 09, 2021
Sell 9.22 M USD
Bregal Sagemount I, L.P.
10 percent owner
- 221626
41.5992 USD
3 years ago
Sep 09, 2021
Sell 9.22 M USD
Greenberg Blair J.
director, 10 percent owner:
- 221626
41.5992 USD
3 years ago
Aug 24, 2021
Sell 5.91 M USD
Greenberg Blair J.
director, 10 percent owner:
- 170000
34.7501 USD
3 years ago
Aug 24, 2021
Sell 5.91 M USD
Bregal Sagemount I, L.P.
10 percent owner
- 170000
34.7501 USD
3 years ago
Aug 24, 2021
Sell 5.91 M USD
Yoon Gene
director, 10 percent owner:
- 170000
34.7501 USD
3 years ago
Aug 19, 2021
Sell 15.7 M USD
Bregal Sagemount I, L.P.
10 percent owner
- 500000
31.4 USD
3 years ago
Aug 20, 2021
Sell 8.34 M USD
Bregal Sagemount I, L.P.
10 percent owner
- 264780
31.5 USD
3 years ago
Aug 20, 2021
Sell 2.17 M USD
Bregal Sagemount I, L.P.
10 percent owner
- 65220
33.3269 USD
3 years ago
Aug 19, 2021
Sell 15.7 M USD
Greenberg Blair J.
director, 10 percent owner:
- 500000
31.4 USD
3 years ago
Aug 20, 2021
Sell 8.34 M USD
Greenberg Blair J.
director, 10 percent owner:
- 264780
31.5 USD
3 years ago
Aug 20, 2021
Sell 2.17 M USD
Greenberg Blair J.
director, 10 percent owner:
- 65220
33.3269 USD
3 years ago
Aug 19, 2021
Sell 15.7 M USD
Yoon Gene
director, 10 percent owner:
- 500000
31.4 USD
3 years ago
Aug 20, 2021
Sell 8.34 M USD
Yoon Gene
director, 10 percent owner:
- 264780
31.5 USD
3 years ago
Aug 20, 2021
Sell 2.17 M USD
Yoon Gene
director, 10 percent owner:
- 65220
33.3269 USD
3 years ago
Sep 07, 2021
Sell 10.5 M USD
Bregal Sagemount I, L.P.
10 percent owner
- 250000
41.9568 USD
3 years ago
Sep 08, 2021
Sell 10.3 M USD
Bregal Sagemount I, L.P.
10 percent owner
- 250000
41.2252 USD
3 years ago
Sep 07, 2021
Sell 10.5 M USD
Yoon Gene
director, 10 percent owner:
- 250000
41.9568 USD
3 years ago
Sep 08, 2021
Sell 10.3 M USD
Yoon Gene
director, 10 percent owner:
- 250000
41.2252 USD
3 years ago
Sep 07, 2021
Sell 10.5 M USD
Greenberg Blair J.
director, 10 percent owner:
- 250000
41.9568 USD
3 years ago
Sep 08, 2021
Sell 10.3 M USD
Greenberg Blair J.
director, 10 percent owner:
- 250000
41.2252 USD
3 years ago
Aug 24, 2021
Sell 5.91 M USD
Bregal Sagemount I, L.P.
10 percent owner
- 170000
34.7501 USD
3 years ago
Aug 24, 2021
Sell 5.91 M USD
Greenberg Blair J.
director, 10 percent owner:
- 170000
34.7501 USD
3 years ago
Aug 24, 2021
Sell 5.91 M USD
Yoon Gene
director, 10 percent owner:
- 170000
34.7501 USD
3 years ago
Aug 19, 2021
Sell 15.7 M USD
Yoon Gene
director, 10 percent owner:
- 500000
31.4 USD
3 years ago
Aug 20, 2021
Sell 8.34 M USD
Yoon Gene
director, 10 percent owner:
- 264780
31.5 USD
3 years ago
Aug 20, 2021
Sell 2.17 M USD
Yoon Gene
director, 10 percent owner:
- 65220
33.3269 USD
3 years ago
Aug 19, 2021
Sell 15.7 M USD
Greenberg Blair J.
director, 10 percent owner:
- 500000
31.4 USD
3 years ago
Aug 20, 2021
Sell 8.34 M USD
Greenberg Blair J.
director, 10 percent owner:
- 264780
31.5 USD
3 years ago
Aug 20, 2021
Sell 2.17 M USD
Greenberg Blair J.
director, 10 percent owner:
- 65220
33.3269 USD
3 years ago
Aug 19, 2021
Sell 15.7 M USD
Bregal Sagemount I, L.P.
10 percent owner
- 500000
31.4 USD
3 years ago
Aug 20, 2021
Sell 8.34 M USD
Bregal Sagemount I, L.P.
10 percent owner
- 264780
31.5 USD
3 years ago
Aug 20, 2021
Sell 2.17 M USD
Bregal Sagemount I, L.P.
10 percent owner
- 65220
33.3269 USD
3 years ago
Apr 06, 2021
Sell 7.91 M USD
Jessup Ross M.
See Remarks
- 242351
32.64 USD
3 years ago
Apr 06, 2021
Sell 7.38 M USD
Flynn John Joseph
See Remarks
- 226194
32.64 USD
3 years ago
Apr 06, 2021
Sell 180 M USD
Greenberg Blair J.
director, 10 percent owner:
- 5305840
34 USD
3 years ago
Apr 06, 2021
Sell 866 K USD
Greenberg Blair J.
director, 10 percent owner:
- 25481
34 USD
3 years ago
Apr 06, 2021
Sell 180 M USD
Yoon Gene
director, 10 percent owner:
- 5305840
34 USD
3 years ago
Apr 06, 2021
Sell 866 K USD
Yoon Gene
director, 10 percent owner:
- 25481
34 USD
3 years ago
Apr 06, 2021
Sell 180 M USD
Bregal Sagemount I, L.P.
10 percent owner
- 5305840
34 USD
3 years ago
Apr 06, 2021
Sell 866 K USD
Bregal Sagemount I, L.P.
10 percent owner
- 25481
34 USD
3 years ago
Dec 14, 2020
Sell 130 M USD
Greenberg Blair J.
director, 10 percent owner:
- 4826933
26.88 USD
3 years ago
Dec 14, 2020
Sell 237 K USD
Greenberg Blair J.
director, 10 percent owner:
- 8814
26.88 USD
3 years ago
Dec 14, 2020
Sell 130 M USD
Yoon Gene
director, 10 percent owner:
- 4826933
26.88 USD
3 years ago
Dec 14, 2020
Sell 237 K USD
Yoon Gene
director, 10 percent owner:
- 8814
26.88 USD
3 years ago
Dec 14, 2020
Sell 12.4 M USD
Flynn John Joseph
See Remarks
- 460061
26.88 USD
3 years ago
Dec 14, 2020
Sell 16.3 M USD
Bregal Sagemount I, L.P.
10 percent owner
- 605195
26.88 USD
3 years ago
Dec 14, 2020
Sell 130 M USD
Bregal Sagemount I, L.P.
10 percent owner
- 4826933
26.88 USD
3 years ago
Dec 14, 2020
Sell 14.1 M USD
Jessup Ross M.
See Remarks
- 524006
26.88 USD
3 years ago
Dec 14, 2020
Sell 29.7 K USD
Bregal Sagemount I, L.P.
10 percent owner
- 1105
26.88 USD
3 years ago
Dec 14, 2020
Sell 237 K USD
Bregal Sagemount I, L.P.
10 percent owner
- 8814
26.88 USD
3 years ago
Dec 14, 2020
Sell 119 M USD
Nebula Holdings LLC
10 percent owner
- 4413671
26.88 USD
7. News
New and Used Vehicle Markets Stabilizing, According to Open Lending Analysis AUSTIN, Texas--(BUSINESS WIRE)--Open Lending Corporation (NASDAQ: LPRO) (“Open Lending” or the “Company”), an industry trailblazer in automotive lending enablement and risk analytics solutions for financial institutions, just released a new Near- and Non-Prime Consumer Brief, the latest installment in its quarterly series of data reports on vehicle registrations. The report found that, despite continued challenges in the vehicle market, new vehicle registrations have risen and used vehicle regi. businesswire.com - 2 days ago
Open Lending Corporation (LPRO) Q3 2024 Earnings Call Transcript Open Lending Corporation (NASDAQ:LPRO ) Q3 2024 Earnings Conference Call November 7, 2024 5:00 PM ET Company Participants Marissa Vidaurri - VP, IR & Corporate Communications Chuck Jehl - CFO & Interim CEO Conference Call Participants Joseph Vafi - Canaccord Peter Heckmann - D.A. Davidson Operator Good afternoon, and welcome to the Open Lending Third Quarter 2024 Earnings Conference Call. seekingalpha.com - 1 week ago
Compared to Estimates, Open Lending (LPRO) Q3 Earnings: A Look at Key Metrics The headline numbers for Open Lending (LPRO) give insight into how the company performed in the quarter ended September 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 1 week ago
Open Lending (LPRO) Q3 Earnings and Revenues Miss Estimates Open Lending (LPRO) came out with quarterly earnings of $0.01 per share, missing the Zacks Consensus Estimate of $0.05 per share. This compares to earnings of $0.02 per share a year ago. zacks.com - 1 week ago
Open Lending to Announce Third Quarter 2024 Results on November 7, 2024 AUSTIN, Texas, Oct. 22, 2024 (GLOBE NEWSWIRE) -- Open Lending Corporation (NASDAQ: LPRO) (“Open Lending” or the “Company”), an industry trailblazer in automotive lending enablement and risk analytics solutions for financial institutions, today announced that the Company will host a conference call to discuss third quarter 2024 financial results on Thursday, November 7, 2024, at 5:00pm ET. A press release with third quarter 2024 financial results will be issued after the market closes that same day. globenewswire.com - 3 weeks ago
Open Lending Appoints Charles “Chuck” Jehl Next Chief Executive Officer Jehl's proven financial, operational and leadership expertise position Company for future growth Jehl's proven financial, operational and leadership expertise position Company for future growth globenewswire.com - 2 months ago
Open Lending to Attend the Canaccord Genuity 44th Annual Growth Conference AUSTIN, Texas, Aug. 12, 2024 (GLOBE NEWSWIRE) -- Open Lending Corporation (Nasdaq: LPRO) (“Open Lending” or the “Company”), an industry trailblazer in automotive lending enablement and risk analytics solutions for financial institutions, today announced that the Company will be attending the Canaccord Genuity 44th Annual Growth Conference in Boston, MA. The Company will participate in a fireside chat discussion, which will begin at 11:00am ET and can be accessed by visiting the Company's investor relations website at https://investors.openlending.com/ under the “Events” section. A replay of the webcast will be available on the investor relations website following the discussion. globenewswire.com - 3 months ago
Open Lending Corporation (LPRO) Q2 2024 Earnings Call Transcript Open Lending Corporation (NASDAQ:LPRO ) Q2 2024 Earnings Conference Call August 8, 2024 5:00 PM ET Company Participants Chuck Jehl - CFO and Interim CEO Cecilia Camarillo - Chief Accounting Officer Conference Call Participants Kyle Peterson - Needham & Company Michael Grae - Morgan Stanley Vincent Caintic - BTIG Taylor Reading - Raymond James Operator Good afternoon, and welcome to Open Lending's Second Quarter 2024 Earnings Conference Call. As a reminder, today's conference call is being recorded. seekingalpha.com - 3 months ago
Open Lending (LPRO) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for Open Lending (LPRO) give a sense of how its business performed in the quarter ended June 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 3 months ago
Open Lending (LPRO) Misses Q2 Earnings and Revenue Estimates Open Lending (LPRO) came out with quarterly earnings of $0.02 per share, missing the Zacks Consensus Estimate of $0.05 per share. This compares to earnings of $0.09 per share a year ago. zacks.com - 3 months ago
Open Lending Reports Second Quarter 2024 Financial Results AUSTIN, Texas, Aug. 08, 2024 (GLOBE NEWSWIRE) -- Open Lending Corporation (Nasdaq: LPRO) (the “Company” or “Open Lending”), an industry trailblazer in lending enablement and risk analytics solutions for financial institutions, today reported financial results for its second quarter of 2024. globenewswire.com - 3 months ago
Open Lending to Announce Second Quarter 2024 Results on August 8, 2024 AUSTIN, Texas, July 22, 2024 (GLOBE NEWSWIRE) -- Open Lending Corporation (NASDAQ: LPRO) (“Open Lending” or “the Company”), an industry trailblazer in automotive lending enablement and risk analytics solutions for financial institutions, today announced that the Company will host a conference call to discuss second quarter 2024 financial results on Thursday, August 8, 2024 at 5:00pm ET. A press release with second quarter 2024 financial results will be issued after the market closes that same day. globenewswire.com - 3 months ago
8. Profile Summary

Open Lending Corporation LPRO

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 748 M
Dividend Yield 0.00%
Description 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.
Contact 1501 South Mopac Expressway, Austin, TX, 78746 https://www.openlending.com
IPO Date March 26, 2018
Employees 210
Officers Ms. Sarah Lackey Chief Technology Officer Mr. Matthew R. Roe Chief Revenue Officer Mr. Richard F. Watkins Founder Mr. Kevin Filan Senior Vice President of Marketing Mr. Matthew S. Stark Chief Legal & Compliance Officer and Corporate Secretary