(LPRO) Open Lending - Ratings and Ratios
Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US68373J1043
LPRO: Cloud-based, Lending, Analytics, Insurance, Automotive
Open Lending Corporation (NASDAQ:LPRO) is a leading provider of lending enablement and risk analytics solutions tailored for credit unions, regional banks, finance companies, and automotive captive finance companies in the United States. The companys core offering is the Lenders Protection Program (LPP), a cloud-based automotive lending platform designed to enhance loan analytics and facilitate the automated issuance of credit default insurance through third-party insurance providers. LPPs suite of tools includes advanced loan analytics, risk-based loan pricing, sophisticated risk modeling, and automated decision-making technology, all aimed at empowering automotive lenders to make more informed and efficient credit decisions. Headquartered in Austin, Texas, Open Lending has been operational since 2000, establishing itself as a key player in the automotive finance sector.
From a technical standpoint, LPRO has shown recent trading activity with an average 20-day volume of 429,400 shares. The stock is currently priced at $4.93, below its key moving averages: the 20-day SMA at $5.80, the 50-day SMA at $5.68, and the 200-day SMA at $5.88. This positioning indicates potential near-term weakness. The Average True Range (ATR) of 0.28 suggests relatively low volatility, which could imply stable price movements in the short term.
Fundamentally, Open Lending operates with a market capitalization of $617.04 million, reflecting its established presence in the financial technology sector. The stocks trailing P/E ratio of 129.25 and forward P/E of 39.84 highlight a high valuation relative to earnings, suggesting investor confidence in future growth prospects. The price-to-book (P/B) ratio of 2.80 and price-to-sales (P/S) ratio of 6.44 indicate a premium valuation, while the return on equity (RoE) of 2.08% points to modest profitability relative to shareholder equity.
Over the next three months, LPRO is expected to face headwinds as it trades below its key moving averages, potentially signaling continued selling pressure. The low ATR may limit significant price swings, suggesting a range-bound or gradually declining trend. However, the high P/E and P/S ratios underscore investor expectations for growth, which could stabilize or drive the stock higher if the company demonstrates strong earnings performance. Balancing these factors, LPROs stock may experience volatility as market participants weigh its growth potential against its current valuation metrics.
Additional Sources for LPRO Stock
Tweets: X Stocktwits
Fund Manager Positions: Dataroma Stockcircle
LPRO Stock Overview
Market Cap in USD | 569m |
Sector | Financial Services |
Industry | Credit Services |
GiC Sub-Industry | Diversified Capital Markets |
IPO / Inception | 2018-03-06 |
LPRO Stock Ratings
Growth 5y | -59.7% |
Fundamental | -16.2% |
Dividend | 0.0% |
Rel. Strength Industry | -46 |
Analysts | 4/5 |
Fair Price Momentum | 3.38 USD |
Fair Price DCF | 5.25 USD |
LPRO Dividends
No Dividends PaidLPRO Growth Ratios
Growth Correlation 3m | -58.4% |
Growth Correlation 12m | -15.3% |
Growth Correlation 5y | -83.4% |
CAGR 5y | -15.79% |
CAGR/Max DD 5y | -0.18 |
Sharpe Ratio 12m | -0.92 |
Alpha | -47.27 |
Beta | 1.11 |
Volatility | 56.31% |
Current Volume | 589.5k |
Average Volume 20d | 467.4k |
As of March 17, 2025, the stock is trading at USD 4.31 with a total of 589,475 shares traded.
Over the past week, the price has changed by -5.07%, over one month by -21.35%, over three months by -25.82% and over the past year by -35.09%.
Neither. Based on ValueRay Fundamental Analyses, Open Lending is currently (March 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of -16.24 and therefor a neutral outlook according to the companies health.
Based on ValueRays Analyses, Dividends and Discounted-Cash-Flow, the Fair Value of LPRO as of March 2025 is 3.38. This means that LPRO is currently overvalued and has a potential downside of -21.58%.
Open Lending has received a consensus analysts rating of 4.00. Therefor, it is recommend to buy LPRO.
- Strong Buy: 3
- Buy: 3
- Hold: 3
- Sell: 0
- Strong Sell: 0
According to ValueRays Forecast Model, LPRO Open Lending will be worth about 3.8 in March 2026. The stock is currently trading at 4.31. This means that the stock has a potential downside of -11.6%.
Issuer | Forecast | Upside |
---|---|---|
Wallstreet Target Price | 7.4 | 71.2% |
Analysts Target Price | 7.4 | 71.2% |
ValueRay Target Price | 3.8 | -11.6% |