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Open Lending Corporation (LPRO)
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 109 | 216 | 180 | 117 | 24 | 93 | 89 |
| Operating profit | $m | 6 | -6 | |||||
| Net profit | $m | -98 | 146 | 67 | 22 | -135 | -4 | -5 |
| EPS reported | $ | -0.04 | -0.05 | |||||
| Operating cashflow per share | $ | -0.03 | -0.00 | |||||
| Capex per share | $ | 0.00 | 0.01 | |||||
| FCF per share | $ | -0.03 | -0.01 | |||||
| Free cash flow | $m | -3 | -1 | |||||
| Net debt | $m | -92 | -102 | |||||
| Book value equity | $m | 75 | 75 | |||||
| Book value per share | $ | 0.63 | 0.64 | |||||
| Number of shares | m | 118.6 | 117.78 | |||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | - | - | |||||
| P/B LTM | x | 2.45 | 4.93 | |||||
| P/S LTM | x | 1.97 | 4.16 | |||||
| P/FCF LTM | x | -56.56 | -520.35 | |||||
| EV/EBITDA LTM | x | 11.34 | 61.09 | |||||
| EV/Sales LTM | x | 1.02 | 3.02 | |||||
| Earnings Yield LTM | % | -2.30% | -1.44% | |||||
| FCF Yield | % | -1.77% | -0.19% | |||||
| Quality | ||||||||
| ROE | % | -5.65% | -7.04% | |||||
| ROIC | % | 2.42% | -2.76% | |||||
| Operating margin | % | 6.43% | -7.17% | |||||
| Gross margin | % | 75.52% | 77.24% | |||||
| FCF/Sales | % | -3.49% | -0.80% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | - | - | |||||
| Sales Growth YoY | % | +288.02% | +405.40% | |||||
| Net Income Growth YoY | % | - | - | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | - | - | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 0.00% | 0.00% | |||||
| Dividend Growth | % | 0.00% | 0.00% | |||||
| Payout Ratio | % | 0.00% | 0.00% | |||||
| FCF/Debt | x | -0.04 | -0.01 | |||||
| Net Debt/EBITDA | x | -10.54 | -22.64 | |||||
| EBIT/Net interest | x | 0.62 | -0.76 | |||||
| Net debt/market cap | % | -49.96% | -27.46% | |||||
| Net debt/Equity | x | -1.23 | -1.35 | |||||
| Gross debt/equity | x | 1.17 | 1.13 | |||||
Company 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.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Open Lending Corporation (LPRO)
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.
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