Open Lending Corporation Statistics
Share Statistics
Open Lending Corporation has 119.35M shares outstanding. The number of shares has increased by -1.2% in one year.
| Shares Outstanding | 119.35M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | 0.07% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 108.46M |
| Failed to Deliver (FTD) Shares | 73 |
| FTD / Avg. Volume | 0.02% |
Short Selling Information
The latest short interest is 3.44M, so 2.88% of the outstanding shares have been sold short.
| Short Interest | 3.44M |
| Short % of Shares Out | 2.88% |
| Short % of Float | 3.17% |
| Short Ratio (days to cover) | 13.27 |
Valuation Ratios
The PE ratio is 46.59 and the forward PE ratio is 27.39. Open Lending Corporation's PEG ratio is 0.44.
| PE Ratio | 46.59 |
| Forward PE | 27.39 |
| PS Ratio | 8.75 |
| Forward PS | 5.1 |
| PB Ratio | 5 |
| P/FCF Ratio | 12.78 |
| PEG Ratio | 0.44 |
Enterprise Valuation
Open Lending Corporation has an Enterprise Value (EV) of 929.06M.
| EV / Earnings | 42.1 |
| EV / Sales | 7.91 |
| EV / EBITDA | 22.5 |
| EV / EBIT | 31.95 |
| EV / FCF | 11.54 |
Financial Position
The company has a current ratio of 14.08, with a Debt / Equity ratio of 0.7.
| Current Ratio | 14.08 |
| Quick Ratio | 14.08 |
| Debt / Equity | 0.7 |
| Total Debt / Capitalization | 41.2 |
| Cash Flow / Debt | 0.57 |
| Interest Coverage | 2.73 |
Financial Efficiency
Return on equity (ROE) is 0.11% and return on capital (ROIC) is 6.29%.
| Return on Equity (ROE) | 0.11% |
| Return on Assets (ROA) | 0.06% |
| Return on Capital (ROIC) | 6.29% |
| Revenue Per Employee | 559.33K |
| Profits Per Employee | 105.10K |
| Employee Count | 210 |
| Asset Turnover | 0.31 |
| Inventory Turnover | 0 |
Taxes
| Income Tax | 6.79M |
| Effective Tax Rate | 0.24 |
Stock Price Statistics
The stock price has increased by -23.95% in the last 52 weeks. The beta is 1.13, so Open Lending Corporation's price volatility has been higher than the market average.
| Beta | 1.13 |
| 52-Week Price Change | -23.95% |
| 50-Day Moving Average | 6 |
| 200-Day Moving Average | 5.93 |
| Relative Strength Index (RSI) | 48.8 |
| Average Volume (20 Days) | 332.69K |
Income Statement
In the last 12 months, Open Lending Corporation had revenue of $117.46M and earned $22.07M in profits. Earnings per share was $0.18.
| Revenue | 117.46M |
| Gross Profit | 95.18M |
| Operating Income | 29.07M |
| Net Income | 22.07M |
| EBITDA | 41.30M |
| EBIT | 29.07M |
| Earnings Per Share (EPS) | 0.18 |
Balance Sheet
The company has $240.21M in cash and $148.13M in debt, giving a net cash position of $92.08M.
| Cash & Cash Equivalents | 240.21M |
| Total Debt | 148.13M |
| Net Cash | 92.08M |
| Retained Earnings | -193.75M |
| Total Assets | 395.71M |
| Working Capital | 263.45M |
Cash Flow
In the last 12 months, operating cash flow was $82.66M and capital expenditures -$2.18M, giving a free cash flow of $80.48M.
| Operating Cash Flow | 82.66M |
| Capital Expenditures | -2.18M |
| Free Cash Flow | 80.48M |
| FCF Per Share | 0.67 |
Margins
Gross margin is 81.03%, with operating and profit margins of 24.75% and 18.79%.
| Gross Margin | 81.03% |
| Operating Margin | 24.75% |
| Pretax Margin | 24.57% |
| Profit Margin | 18.79% |
| EBITDA Margin | 35.16% |
| EBIT Margin | 24.75% |
| FCF Margin | 68.52% |
Dividends & Yields
LPRO does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Payout Ratio | n/a |
| Earnings Yield | 3.11% |
| FCF Yield | 11.67% |
Analyst Forecast
The average price target for LPRO is $7, which is 21.1% higher than the current price. The consensus rating is "Hold".
| Price Target | $7 |
| Price Target Difference | 21.1% |
| Analyst Consensus | Hold |
| Analyst Count | 7 |
Scores
| Altman Z-Score | 2.96 |
| Piotroski F-Score | 6 |