Open Lending Corporation
General ticker "LPRO" information:
- Sector: Financials
- Industry: Capital Markets
- Capitalization: $383.7M (TTM average)
Open Lending Corporation follows the US Stock Market performance with the rate: 2.3%.
Estimated limits based on current volatility of 2.6%: low 1.81$, high 1.91$
Factors to consider:
- Total employees count: 210 (+16.7%) as of 2023
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Dependency on top automotive lenders, Economic downturns and volatility, Model inaccuracies, Reputation and brand risks, Regulatory and compliance
- Current price 42.7% below estimated low
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [3.23$, 7.33$]
- 2025-12-31 to 2026-12-31 estimated range: [2.77$, 6.44$]
Financial Metrics affecting the LPRO estimates:
- Positive: with PPE of -14.1 at the end of fiscal year the price was low
- Negative: negative Operating income
- Positive: Industry operating cash flow per share per price (median), % of 12.45 > 10.33
- Negative: negative Net income
- Positive: Interest expense per share per price, % of 1.61 <= 3.41
- Positive: 0 < Industry earnings per price (median), % of 3.52
- Positive: Investing cash flow per share per price, % of -0.55 > -0.66
- Positive: 0.33 < Operating cash flow per share per price, % of 2.50
Short-term LPRO quotes
Long-term LPRO plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $179.59MM | $117.46MM | $24.02MM |
| Operating Expenses | $81.98MM | $88.39MM | $89.40MM |
| Operating Income | $97.61MM | $29.07MM | $-65.38MM |
| Non-Operating Income | $-4.08MM | $-0.22MM | $0.77MM |
| Interest Expense | $5.83MM | $10.66MM | $11.32MM |
| R&D Expense | $8.21MM | $5.58MM | $4.46MM |
| Income(Loss) | $93.54MM | $28.86MM | $-64.61MM |
| Taxes | $26.92MM | $6.79MM | $70.41MM |
| Profit(Loss)* | $66.62MM | $22.07MM | $-135.01MM |
| Stockholders Equity | $212.82MM | $205.58MM | $78.09MM |
| Assets | $379.63MM | $374.04MM | $296.37MM |
| Operating Cash Flow | $107.43MM | $82.66MM | $17.60MM |
| Capital expenditure | $0.62MM | $2.18MM | $0.17MM |
| Investing Cash Flow | $-0.62MM | $-2.18MM | $-3.90MM |
| Financing Cash Flow | $-17.80MM | $-42.33MM | $-6.45MM |
| Earnings Per Share** | $0.53 | $0.18 | $-1.13 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.