Open Lending Corporation (LPRO)Financial Services | Credit Services | Austin, United States | NasdaqGM
3.12 USD
After hours: 3.12 |
Hot Take ↕ | July 11, 2026, 2:51 a.m. EDT
The investment thesis here is entirely event-driven, not fundamental. The company is effectively being acquired by ANV at $3.15 per share, a price that represents a massive premium over the current trading range and the historical lows. However, the long-term outlook is bleak; the business has suffered a catastrophic multi-year collapse, with revenue shrinking by 16% annually and profitability completely evaporated, leaving the company with negative earnings and equity. The stock trades at a premium to book value despite these deteriorating fundamentals because the market is pricing in the certainty of the buyout. For investors, the only logical play is to hold until the deal closes to capture the 78% premium over recent lows; attempting to trade the stock based on its operational performance is futile given the structural decline and lack of organic growth prospects. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.185974 |
| MSTL | 0.235845 |
| AutoETS | 0.236757 |
| AutoARIMA | 0.236757 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 25% |
| H-stat | 115.74 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.080 |
| Excess Kurtosis | -1.07 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 112.962 |
| Revenue per Share | 0.756 |
| Market Cap | 369,166,144 |
| Forward P/E | 16.42 |
| Beta | 2.20 |
| Profit Margins | -5.95% |
| Website | https://www.openlending.com |
As of July 11, 2026, 2:51 a.m. EDT: Speculators are overwhelmingly positioning for a merger-driven upside event rather than organic price appreciation. Call open interest is heavily concentrated at strikes significantly above the current price ($5.00 and $7.50), while put activity is minimal and confined to out-of-the-money strikes. This distribution suggests traders are betting on the $3.15 acquisition price being met or exceeded, rather than fearing a further decline.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.24800003 |
| Address1 | 1,501 South Mopac Expressway |
| Address2 | Suite 450 |
| All Time High | 44.0 |
| All Time Low | 0.7 |
| Ask | 3.14 |
| Ask Size | 10 |
| Audit Risk | 9 |
| Average Analyst Rating | 3.0 - Hold |
| Average Daily Volume10 Day | 3,364,770 |
| Average Daily Volume3 Month | 2,554,885 |
| Average Volume | 2,554,885 |
| Average Volume10Days | 3,364,770 |
| Beta | 2.196 |
| Bid | 3.12 |
| Bid Size | 89 |
| Board Risk | 9 |
| Book Value | 0.637 |
| City | Austin |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 10 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 3.12 |
| Current Ratio | 4.439 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 3.13 |
| Day Low | 3.125 |
| Debt To Equity | 112.962 |
| Display Name | Open Lending |
| Earnings Call Timestamp End | 1,778,187,600 |
| Earnings Call Timestamp Start | 1,778,187,600 |
| Earnings Timestamp | 1,778,184,000 |
| Earnings Timestamp End | 1,785,960,000 |
| Earnings Timestamp Start | 1,785,960,000 |
| Ebitda | 5,021,000 |
| Ebitda Margins | 0.056220002 |
| Enterprise To Ebitda | 55.887 |
| Enterprise To Revenue | 3.142 |
| Enterprise Value | 280,606,304 |
| Eps Current Year | 0.13 |
| Eps Forward | 0.19 |
| Eps Trailing Twelve Months | -0.05 |
| Esg Populated | 0 |
| Exchange | NGM |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 2.3775 |
| Fifty Day Average Change | 0.7424998 |
| Fifty Day Average Change Percent | 0.31230277 |
| Fifty Two Week Change Percent | 24.800003 |
| Fifty Two Week High | 3.14 |
| Fifty Two Week High Change | -0.02000022 |
| Fifty Two Week High Change Percent | -0.006369496 |
| Fifty Two Week Low | 1.175 |
| Fifty Two Week Low Change | 1.9449999 |
| Fifty Two Week Low Change Percent | 1.6553192 |
| Fifty Two Week Range | 1.175 - 3.14 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,522,071,000,000 |
| Float Shares | 95,300,701 |
| Forward Eps | 0.19 |
| Forward P E | 16.421053 |
| Free Cashflow | 7,320,125 |
| Full Exchange Name | NasdaqGM |
| Full Time Employees | 164 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,782,864,000 |
| Gross Margins | 0.77242994 |
| Gross Profits | 68,990,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.00858 |
| Held Percent Institutions | 0.70892 |
| Implied Shares Outstanding | 118,322,488 |
| Industry | Credit Services |
| Industry Disp | Credit Services |
| Industry Key | credit-services |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, finance companies, and captive finance companies of automakers in the United States. The company offers lenders protection platform (LPP), which is a cloud-based automotive lending enablement platform that provides loan analytics solutions and automated issuance of credit default insurance with third-party insurance providers. Its LPP products include loan analytics, risk-based loan pricing, risk modeling, and automated decision technology for automotive lenders. The company was founded in 2000 and is headquartered in Austin, Texas. |
| Long Name | Open Lending Corporation |
| Market | us_market |
| Market Cap | 369,166,144 |
| Market State | PREPRE |
| Max Age | 86,400 |
| Message Board Id | finmb_71987354 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | -5,313,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 369,166,162 |
| Number Of Analyst Opinions | 5 |
| Open | 3.125 |
| Operating Cashflow | -120,000 |
| Operating Margins | -0.03089 |
| Overall Risk | 10 |
| Payout Ratio | 0.0 |
| Phone | 512 892 0400 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 3.12 |
| Post Market Time | 1,783,981,118 |
| Previous Close | 3.12 |
| Price Eps Current Year | 24.0 |
| Price Hint | 4 |
| Price To Book | 4.8979588 |
| Price To Sales Trailing12 Months | 4.133305 |
| Profit Margins | -0.05949 |
| Quick Ratio | 4.083 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | hold |
| Recommendation Mean | 3.0 |
| Region | US |
| Regular Market Change | 0.0 |
| Regular Market Change Percent | 0.0 |
| Regular Market Day High | 3.13 |
| Regular Market Day Low | 3.125 |
| Regular Market Day Range | 3.125 - 3.13 |
| Regular Market Open | 3.125 |
| Regular Market Previous Close | 3.12 |
| Regular Market Price | 3.12 |
| Regular Market Time | 1,783,972,801 |
| Regular Market Volume | 993,815 |
| Return On Assets | 0.01074 |
| Return On Equity | -0.06849 |
| Revenue Growth | -0.16 |
| Revenue Per Share | 0.756 |
| Sand P52 Week Change | 0.20847368 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 8 |
| Shares Outstanding | 118,322,488 |
| Shares Percent Shares Out | 0.028199999 |
| Shares Short | 3,342,444 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 2,334,882 |
| Short Name | Open Lending Corporation |
| Short Percent Of Float | 0.0326 |
| Short Ratio | 0.68 |
| Source Interval | 15 |
| State | TX |
| Symbol | LPRO |
| Target High Price | 3.15 |
| Target Low Price | 2.0 |
| Target Mean Price | 2.92 |
| Target Median Price | 3.15 |
| Total Cash | 173,308,000 |
| Total Cash Per Share | 1.466 |
| Total Debt | 85,077,000 |
| Total Revenue | 89,315,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | -0.05 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 1.861025 |
| Two Hundred Day Average Change | 1.2589749 |
| Two Hundred Day Average Change Percent | 0.67649543 |
| Type Disp | Equity |
| Volume | 993,815 |
| Website | https://www.openlending.com |
| Zip | 78,746 |