Open Lending Corp
NASDAQ:LPRO

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Open Lending Corp
NASDAQ:LPRO
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Price: 6.41 USD -1.99% Market Closed
Market Cap: 764.5m USD
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Intrinsic Value

The intrinsic value of one LPRO stock under the Base Case scenario is 6.58 USD. Compared to the current market price of 6.41 USD, Open Lending Corp is Undervalued by 3%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

LPRO Intrinsic Value
6.58 USD
Undervaluation 3%
Intrinsic Value
Price
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Base Case
Best Case

Valuation Backtest
Open Lending Corp

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
Open Lending Corp

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Open Lending Corp

Current Assets 294.7m
Cash & Short-Term Investments 250.2m
Receivables 30.4m
Other Current Assets 14.1m
Non-Current Assets 101m
PP&E 9.6m
Other Non-Current Assets 91.4m
Current Liabilities 31.3m
Accounts Payable 282k
Accrued Liabilities 10.3m
Other Current Liabilities 20.7m
Non-Current Liabilities 144m
Long-Term Debt 134m
Other Non-Current Liabilities 10m
Efficiency

Earnings Waterfall
Open Lending Corp

Revenue
95.9m USD
Cost of Revenue
-23m USD
Gross Profit
72.9m USD
Operating Expenses
-68m USD
Operating Income
4.9m USD
Other Expenses
-318k USD
Net Income
4.6m USD

Free Cash Flow Analysis
Open Lending Corp

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

LPRO Profitability Score
Profitability Due Diligence

Open Lending Corp's profitability score is 65/100. The higher the profitability score, the more profitable the company is.

Exceptional 3-Year Average ROE
Positive Free Cash Flow
Positive Gross Profit
Exceptional 3-Year Average ROIC
65/100
Profitability
Score

Open Lending Corp's profitability score is 65/100. The higher the profitability score, the more profitable the company is.

LPRO Solvency Score
Solvency Due Diligence

Open Lending Corp's solvency score is 52/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Long-Term Solvency
Low D/E
Negative Net Debt
52/100
Solvency
Score

Open Lending Corp's solvency score is 52/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

LPRO Price Targets Summary
Open Lending Corp

Wall Street analysts forecast LPRO stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for LPRO is 6.99 USD with a low forecast of 5.05 USD and a high forecast of 8.4 USD.

Lowest
Price Target
5.05 USD
21% Downside
Average
Price Target
6.99 USD
9% Upside
Highest
Price Target
8.4 USD
31% Upside
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Dividends

Open Lending Corp
does not pay dividends
Shareholder Yield

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?

Shareholder Yield
Dividend Yield
No dividends
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Ownership

LPRO Insider Trading
Buy and sell transactions by insiders

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Profile

Open Lending Corp Logo
Open Lending Corp

Country

United States of America

Industry

Financial Services

Market Cap

764.4m USD

Dividend Yield

0%

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

TEXAS
Austin
1501 S. Mopac Expressway, Suite #450
+15128920400.0
www.openlending.com

IPO

2018-03-02

Employees

132

Officers

CEO, Interim CFO & Director
Mr. Charles D. Jehl
Chief Legal & Compliance Officer and Corporate Secretary
Mr. Matthew S. Stark
Chief Revenue Officer
Mr. Matthew R. Roe
Founder
Mr. Richard F. Watkins
Chief Technology Officer
Ms. Sarah Lackey
Senior Vice President of Marketing
Mr. Kevin Filan

See Also

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What is the Intrinsic Value of one LPRO stock?

The intrinsic value of one LPRO stock under the Base Case scenario is 6.58 USD.

Is LPRO stock undervalued or overvalued?

Compared to the current market price of 6.41 USD, Open Lending Corp is Undervalued by 3%.

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