# Open Lending Corporation (LPRO) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Credit Services. Price $3.14, market value $372 million.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Open Lending Corporation reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **PEG: 0.17**. A PEG of 0.17 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 4.2×**. Each dollar of revenue is priced at 4.2×.
- **Price / book: 4.9×**. The shares trade at 4.9× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: -0.0%** (5-yr avg 4.9%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.

## Profitability
- **Gross margin: 77.2%**. Open Lending Corporation keeps 77.2% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: -7.2%**. Operating margin is negative: the business loses money before interest and tax.
- **Net margin: -4.5%**. The company reported a net loss over the last twelve months.
- **Return on equity: -5.7%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: 29.9%**. Return on all capital, debt included, is 29.9%: comfortably above what that capital costs.
- **Return on assets: -2.2%**. Each dollar of assets produces -2.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 288.0%** (3-yr -19.6%/yr, 5-yr -3.1%/yr). Revenue grew 288.0% over the last year, against -3.1% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 96.5%**. Earnings per share rose 96.5%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $177 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Open Lending Corporation does not currently pay a dividend.

## Analyst view
- **Analyst consensus: hold** (5 analysts). 5 analysts cover Open Lending Corporation; the consensus is hold, with an average price target of $2.92 (-7% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **From 52-week high: -0.3%** (167.2% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 70**. An RSI of 70 is neutral.
- **Beta (1 yr): 1.62** (volatility 83%). Beta of 1.62 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=LPRO · Page: https://foliofundamentals.com/stocks/lpro

Not investment advice.