Open Lending Corporation (LPRO)
Open Lending Statistics
Share Statistics
Open Lending has 119.78M shares outstanding. The number of shares has increased by 0.16% in one year.
| Shares Outstanding | 119.78M |
| Shares Change (YoY) | 0.16% |
| Shares Change (QoQ) | 0% |
| Owned by Institutions (%) | 76.42% |
| Shares Floating | 108.72M |
| Failed to Deliver (FTD) Shares | 1.78K |
| FTD / Avg. Volume | 0.1% |
Short Selling Information
The latest short interest is 3.02M, so 2.53% of the outstanding shares have been sold short.
| Short Interest | 3.02M |
| Short % of Shares Out | 2.53% |
| Short % of Float | 2.79% |
| Short Ratio (days to cover) | 9.94 |
Valuation Ratios
The PE ratio is -5.27 and the forward PE ratio is 27.38. Open Lending's PEG ratio is 0.01.
| PE Ratio | -5.27 |
| Forward PE | 27.38 |
| PS Ratio | 29.62 |
| Forward PS | 0.7 |
| PB Ratio | 9.11 |
| P/FCF Ratio | 40.81 |
| PEG Ratio | 0.01 |
Enterprise Valuation
Currently the Enterprise Value (EV) is not available for Open Lending.
| EV / Sales | n/a |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 5.84, with a Debt / Equity ratio of 0.14.
| Current Ratio | 5.84 |
| Quick Ratio | 5.84 |
| Debt / Equity | 0.14 |
| Debt / EBITDA | -0.21 |
| Debt / FCF | 0.62 |
| Interest Coverage | -5.78 |
Financial Efficiency
Return on Equity is n/a and Return on Invested Capital is n/a.
| Return on Equity | n/a |
| Return on Assets | n/a |
| Return on Invested Capital | n/a |
| Revenue Per Employee | $117.19K |
| Profits Per Employee | $-658.59K |
| Employee Count | 205 |
| Asset Turnover | 0.08 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 70.41M |
| Effective Tax Rate | -108.98% |
Stock Price Statistics
The stock price has increased by -83.5% in the last 52 weeks. The beta is 1.57, so Open Lending's price volatility has been higher than the market average.
| Beta | 1.57 |
| 52-Week Price Change | -83.5% |
| 50-Day Moving Average | 4.08 |
| 200-Day Moving Average | 5.38 |
| Relative Strength Index (RSI) | 12.27 |
| Average Volume (20 Days) | 1.84M |
Income Statement
In the last 12 months, Open Lending had revenue of 24.02M and earned -135.01M in profits. Earnings per share was -1.13.
| Revenue | 24.02M |
| Gross Profit | 169K |
| Operating Income | -65.38M |
| Net Income | -135.01M |
| EBITDA | -51.61M |
| EBIT | -53.29M |
| Earnings Per Share (EPS) | -1.13 |
Balance Sheet
The company has 243.16M in cash and 10.77M in debt, giving a net cash position of 232.39M.
| Cash & Cash Equivalents | 243.16M |
| Total Debt | 10.77M |
| Net Cash | 232.39M |
| Retained Earnings | -328.76M |
| Total Assets | 296.37M |
| Working Capital | 228.47M |
Cash Flow
In the last 12 months, operating cash flow was 17.6M and capital expenditures -165K, giving a free cash flow of 17.43M.
| Operating Cash Flow | 17.6M |
| Capital Expenditures | -165K |
| Free Cash Flow | 17.43M |
| FCF Per Share | 0.15 |
Margins
Gross margin is 0.7%, with operating and profit margins of -272.14% and -561.98%.
| Gross Margin | 0.7% |
| Operating Margin | -272.14% |
| Pretax Margin | -268.92% |
| Profit Margin | -561.98% |
| EBITDA Margin | -214.84% |
| EBIT Margin | -272.14% |
| FCF Margin | 72.56% |
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 | n/a |
| FCF Yield | n/a |
Analyst Forecast
The average price target for LPRO is $4.5, which is 435.7% higher than the current price. The consensus rating is "Hold".
| Price Target | $4.5 |
| Price Target Difference | 435.7% |
| Analyst Consensus | Hold |
| Analyst Count | 8 |
Scores
| Altman Z-Score | -0.85 |
| Piotroski F-Score | 5 |