(LPRO) Open Lending - Ratings and Ratios

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.