Open Lending Corp
NASDAQ:LPRO
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Intrinsic Value
The intrinsic value of one LPRO stock under the Base Case scenario is 7.24 USD. Compared to the current market price of 6.74 USD, Open Lending Corp is Undervalued by 7%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
Valuation Backtest
Open Lending Corp
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Fundamental Analysis
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Revenue & Expenses Breakdown
Open Lending Corp
Balance Sheet Decomposition
Open Lending Corp
Current Assets | 293.2m |
Cash & Short-Term Investments | 248m |
Receivables | 35.1m |
Other Current Assets | 10.1m |
Non-Current Assets | 89.6m |
PP&E | 8.5m |
Other Non-Current Assets | 81.1m |
Current Liabilities | 22m |
Accounts Payable | 899k |
Accrued Liabilities | 8.2m |
Other Current Liabilities | 12.9m |
Non-Current Liabilities | 144m |
Long-Term Debt | 135.8m |
Other Non-Current Liabilities | 8.2m |
Earnings Waterfall
Open Lending Corp
Revenue
|
98.4m
USD
|
Cost of Revenue
|
-22.2m
USD
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Gross Profit
|
76.2m
USD
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Operating Expenses
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-68.6m
USD
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Operating Income
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7.6m
USD
|
Other Expenses
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-1.4m
USD
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Net Income
|
6.1m
USD
|
Free Cash Flow Analysis
Open Lending Corp
USD | |
Free Cash Flow | USD |
In Q2 2024, Open Lending certified 29,000 loans, reflecting a 3% growth from Q1, with total revenue at $26.7 million and adjusted EBITDA of $9.9 million. However, a $6.7 million profit share revision due to 2021 and 2022 loan delinquencies impacted results. Despite this, improved underwriting has reduced delinquency rates to 1-1.5%. The company signed 13 new credit union customers during the quarter. Looking ahead, Q3 guidance forecasts 25,000-28,000 certified loans, $28-31 million in revenue, and $11-14 million in adjusted EBITDA, relying on a stable and improving macroeconomic environment.
What is Earnings Call?
LPRO Profitability Score
Profitability Due Diligence
Open Lending Corp's profitability score is 66/100. The higher the profitability score, the more profitable the company is.
Score
Open Lending Corp's profitability score is 66/100. The higher the profitability score, the more profitable the company is.
LPRO Solvency Score
Solvency Due Diligence
Open Lending Corp's solvency score is 51/100. The higher the solvency score, the more solvent the company is.
Score
Open Lending Corp's solvency score is 51/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
LPRO Price Targets Summary
Open Lending Corp
According to Wall Street analysts, the average 1-year price target for LPRO is 7.27 USD with a low forecast of 5.05 USD and a high forecast of 10.5 USD.
Dividends
Current shareholder yield for LPRO is .
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
Ownership
LPRO Insider Trading
Buy and sell transactions by insiders
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Profile
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Dividend Yield
Description
Open Lending Corp. provides lending enablement and risk analytics to credit unions, regional banks and the captive finance companies of original equipment manufacturers (OEM Captives). The company is headquartered in Austin, Texas and currently employs 132 full-time employees. The company went IPO on 2018-03-02. The firm provides lending enablement and risk analytics to credit unions, regional banks, and the captive finance companies of original equipment manufacturer (OEM). The company also operates as a third-party administrator that adjudicates insurance claims and premium adjustments on those automotive loans. Its Lenders Protection Program (LPP) is an automotive lending program designed to underwrite default insurance on loans made to near-prime and non-prime borrowers. LPP uses risk-based pricing models combined with loan default insurance provided by third-party insurers. LPP enables automotive lenders to assess the credit risk of a potential borrower using data driven analysis, enabling the lender to generate an all-inclusive, insured, interest rate for a loan for the borrower. The company caters to 396 lenders.
Contact
IPO
Employees
Officers
The intrinsic value of one LPRO stock under the Base Case scenario is 7.24 USD.
Compared to the current market price of 6.74 USD, Open Lending Corp is Undervalued by 7%.