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Open Lending Corp

LPRO

$3.15 0.00 (0.00%) at close

9 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

Open Lending Corp faces fundamental challenges with weakness in Profit Margin (%) and Debt to Equity. The fundamentals warrant careful consideration of downside risks.

Market Cap $373.6M

Dividend Yield —

Revenue Growth 288.0% ↗

Op. Margin -5.4% ↗

ROIC -2.5% ↗

FCF / Share $-0.03 ↘

Trailing P/E —

Price / Book 4.9x

FCF Yield —

Debt / Equity 1.13

info Valuation on last close. End-of-day price, Jul 29, 2026.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$93.22M

↑ +288.0% —

Net Income Profit after all expenses

$-4.24M

↑ +96.9% —

Operating Margin Operating profit as % of sales

-5.4%

↑ +98.0% 19th

FCF / Share Free cash flow per share

$-0.03

↓ -118.7% —

Long-Term Debt Long-term obligations

$84.77M

↓ -39.3% —

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Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)
Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability ↑

Returns

Financial Health ↑

Cash Quality ↑

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue Growth YoY (%)	288.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+4700%)	-79.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1426%)	-34.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-677%)	-16.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-379%)	98.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1534%)	17.3% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+188%)	77.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1198%)	—	—
EPS Growth YoY (%)	96.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	-66.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-54.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	—	—
Net Income Growth YoY (%)	96.9% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	-66.9% Weak Weak Year-over-year change in net income	-54.4% Weak Weak Year-over-year change in net income	N/M	N/M	121.2% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	N/M	-78.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	-19.3% Weak ↓ Weak Declining Year-over-year change in free cash flow	14.9% Fair ↓ Fair Declining Year-over-year change in free cash flow	160.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-74.5% Weak Weak Year-over-year change in free cash flow	46.2% Excellent Excellent Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	-19.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-51.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	24.6% Excellent Excellent Compound annual revenue growth over 3 years	60.5% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-3.1% Weak → Weak Stable Compound annual revenue growth over 5 years	-23.7% Weak Weak Compound annual revenue growth over 5 years	17.6% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Operating Margin (%) (%)	-5.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-121%)	-272.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1189%)	24.8% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	54.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+117%)	69.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+179%)	52.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+108%)	67.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+170%)	54.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+118%)	—
Effective Tax Rate (%) (%)	21.1% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-109.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.6% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-7.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	-4.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-121%)	—	18.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	37.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	67.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+208%)	-89.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-507%)	67.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+206%)	54.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+146%)	—
FCF Margin (%) (%)	-3.5% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	72.6% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	70.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	59.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	43.2% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	21.5% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	44.9% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	54.6% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	0.77x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	-0.13x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	3.74x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.60x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.64x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-0.24x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.67x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	1.01x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Return on Invested Capital (%)	-2.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-62.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	6.4% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	19.3% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	37.6% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	33.0% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	-26.7% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-21.3% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	-2.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-22.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	7.8% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	25.7% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	47.1% Excellent → Excellent Stable Operating profit relative to total assets Optimal: > 10%	19.3% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	79.1% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-5.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-147%)	-172.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1541%)	10.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	31.3% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+161%)	91.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+666%)	—	-26.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-322%)	-21.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-276%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Debt to Equity (x)	1.13x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-6%)	1.79x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+49%)	0.70x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-42%)	0.69x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-42%)	0.92x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-23%)	5.93x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+394%)	—	—	—
Interest Coverage (x)	-0.54x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-5.19x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	2.82x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	16.74x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	25.65x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	4.89x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	194.46x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	83.50x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-91.85M	$-103.45M	$-96.16M	$-57.02M	$29.81M	$56.23M	$-7.68M	$-11.07M	—
Debt / EBITDA (x)	-32.65x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-2.19x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.76x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.49x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.97x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.70x Fair Fair Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue per Share (USD)	$0.79	$0.20	$0.97	$1.42	$1.71	$1.31	$2.47	$1.39	—
Basic EPS, GAAP (USD)	$-0.04	$-1.13	$0.18	$0.53	$1.16	$-1.09	—	—	—
Free Cash Flow per Share (USD)	$-0.03	$0.15	$0.68	$0.85	$0.74	$0.28	$1.11	$0.76	—
Book Value per Share (USD)	$0.64	$0.65	$1.73	$1.72	$1.26	$0.21	$-6.24	$-3.56	—
Tangible Book Value per Share (USD)	$0.64	$0.65	$1.73	$1.72	$1.26	$0.21	$-6.24	$-3.56	—
Basic Weighted Avg Shares (shares)	118.60M	119.18M	120.83M	126.11M	126.35M	82.91M	37.63M	37.63M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Working Capital (USD)	$173.43M	$228.47M	$269.29M	$265.64M	$190.73M	$145.77M	$37.02M	$20.46M	—
LT Debt (USD)	$84.77M	$139.72M	$144.04M	$147.43M	$146.26M	$157.75M	—	—	—
Total Equity (USD)	$74.96M	$78.09M	$205.58M	$212.82M	$158.98M	$26.62M	$-234.78M	$-133.79M	$-74.87M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$93.22M	$24.02M	$117.46M	$179.59M	$215.66M	$108.89M	$92.85M	$52.19M	—
Depreciation Expense (USD)	$2.41M	$1.67M	$1.16M	$1.34M	$1.12M	$1.77M	$105.00K	$80.00K	—
Net Income, GAAP (USD)	$-4.24M	$-135.01M	$22.07M	$66.62M	$146.08M	$-97.56M	$62.54M	$28.28M	—
Operating Cash Flow (USD)	$-3.19M	$17.60M	$82.66M	$107.43M	$95.16M	$24.64M	$41.76M	$28.60M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 9 years · 31 quarters

Open Lending Corp

Analytical Summary

9-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

Benchmark Lens

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