NASDAQ: LPROOpen Lending Corp Stock
$3.14+0.01 (+0.32%)
Updated Jul 8, 2026
LPRO Price
$3.14
Fair Value Price
$2.99
Market Cap
$371.20M
52 Week Low
$1.18
52 Week High
$3.14
P/E
-78.5x
P/B
4.93x
P/S
1.65x
PEG
N/A
Dividend Yield
N/A
Revenue
$89.32M
Earnings
-$5.31M
Gross Margin
77.2%
Operating Margin
2.12%
Profit Margin
-5.9%
Debt to Equity
2.07
Operating Cash Flow
-$120k
Beta
1.69
Next Earnings
Aug 5, 2026
Ex-Dividend
N/A
Next Dividend
N/A
LPRO Overview
Based in Austin, Texas, and established in 2000, Open Lending Corporation delivers specialized solutions for empowering lending operations and conducting risk analysis. Their services are utilized by a diverse range of financial institutions throughout the United States, including credit unions, regional banks, independent auto finance companies, and the captive finance arms of original equipment manufacturers. A key offering is their Software as a Service (SaaS) platform, known as the Lenders Protection Program (LPP). This innovative platform assists external lenders by streamlining the process of making loan decisions and automating underwriting. It also facilitates the provision of credit default insurance through affiliated insurance providers. The LPP suite incorporates functionalities such as in-depth loan data analysis, dynamic risk-adjusted pricing for loans, sophisticated risk forecasting models, and intelligent automated decision-making tools, all tailored for the automotive lending industry.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine LPRO's potential to beat the market
- LPRO doesn't meet the minimum data requirements for our proprietary Zen Ratings model. Learn more about Zen Ratings.
Zen Rating Component Grades
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Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Credit Service
Industry Rating
C
LPRO
RankedUnranked of 47
RankedUnranked of 47
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $93.45 | A | |
| $40.46 | A | |
| $17.51 | B |
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LPRO News
Overview
Due Diligence Score
–
Industry Average (34)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how LPRO scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
LPRO ($3.14) is overvalued by 4.98% relative to our estimate of its Fair Value price of $2.99 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
LPRO ($3.14) is not significantly undervalued (4.98%) relative to our estimate of its Fair Value price of $2.99 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
LPRO is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 30 more LPRO due diligence checks available for Premium users.
Valuation
LPRO fair value
Fair Value of LPRO stock based on Discounted Cash Flow (DCF)
Price
$3.14
Fair Value
$2.99
Overvalued by
4.98%
LPRO ($3.14) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
LPRO ($3.14) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
LPRO is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
LPRO price to earnings (PE)
For valuing profitable companies with steady earnings
Company
-78.5x
Industry
28.2x
Market
10.17x
LPRO price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
4.93x
Industry
4.82x
LPRO is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
LPRO's financial health
Profit margin
Revenue
$20.5M
Net Income
-$460.0k
Profit Margin
-2.2%
LPRO's cash and short-term investments... subscribe to Premium to read more.
Interest Coverage Financials
LPRO's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$231.1M
Liabilities
$155.8M
Debt to equity
2.07
LPRO's short-term assets ($218.13M) exceed... subscribe to Premium to read more.
Short-term Liabilities Financials
LPRO's short-term assets ($218.13M) exceed... subscribe to Premium to read more.
Long-term Liabilities Financials
LPRO's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
LPRO's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
-$764.0k
Investing
-$289.0k
Financing
-$2.2M
LPRO's cash and short-term investments... subscribe to Premium to read more.
Debt Coverage Financials
LPRO vs Credit Service Stocks
Open Lending Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.