Open Lending Corp (LPRO)Financial Services | Credit Services | Austin, United States |
USD
|
Hot Take ↕ | Aug. 22, 2026, 8 a.m. UTC
The immediate outlook is overwhelmingly bullish due to a definitive merger agreement where ANV is acquiring the company at $3.15 per share in cash. This creates a high-conviction near-term entry as the stock is currently trading at that exact level, effectively pricing in the transaction while offering minimal downside protection against deal failure given the regulatory hurdles have largely cleared. However, the long-term investment case is severely compromised by deteriorating fundamentals; the business is generating negative operating margins, posting negative free cash flow, and suffering a 16% decline in revenue. The balance sheet is fragile with significant debt relative to equity, and the return on equity is deeply negative. Furthermore, there is no dividend history to speak of, rendering it useless for income investors. While the short-term catalyst offers a clear path to liquidity, the underlying business quality is objectively poor. |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 112.962 |
| Revenue per Share | 0.756 |
| Market Cap | 371,532,640 |
| Forward P/E | 16.53 |
| Beta | 2.20 |
| Profit Margins | -5.95% |
| Website | https://www.openlending.com |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.5096154 |
| Address1 | 1,501 South Mopac Expressway |
| Address2 | Suite 450 |
| All Time High | 44.0 |
| All Time Low | 0.7 |
| Ask | 3.15 |
| Ask Size | 100 |
| Audit Risk | 9 |
| Average Daily Volume10 Day | 570,997 |
| Average Volume | 2,849,566 |
| Average Volume10Days | 570,997 |
| Beta | 2.196 |
| Bid | 3.13 |
| Bid Size | 1,000 |
| Board Risk | 9 |
| Book Value | 0.637 |
| City | Austin |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 10 |
| Country | United States |
| Currency | USD |
| Current Price | 3.14 |
| Current Ratio | 4.439 |
| Date Short Interest | 1,784,073,600 |
| Day High | 3.15 |
| Day Low | 3.14 |
| Debt To Equity | 112.962 |
| Ebitda | 5,021,000 |
| Ebitda Margins | 0.056220002 |
| Enterprise To Ebitda | 56.357 |
| Enterprise To Revenue | 3.168 |
| Enterprise Value | 282,970,624 |
| Exchange | NGM |
| Exchange Timezone Name | UTC |
| Fifty Day Average | 2.9201 |
| Fifty Two Week High | 3.15 |
| Fifty Two Week Low | 1.175 |
| Financial Currency | USD |
| First Trade Date Epoch Utc | 1,784,295,000 |
| Float Shares | 95,630,526 |
| Forward Eps | 0.19 |
| Forward P E | 16.526316 |
| Free Cashflow | 7,320,125 |
| Full Time Employees | 164 |
| Fullday Price | 3.14 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,782,864,000 |
| Gross Margins | 0.77242994 |
| Gross Profits | 68,990,000 |
| Held Percent Insiders | 0.00858 |
| Held Percent Institutions | 0.72587997 |
| Implied Shares Outstanding | 118,322,488 |
| Industry | Credit Services |
| Industry Disp | Credit Services |
| Industry Key | credit-services |
| 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. As of July 27, 2026, Open Lending Corporation operates as a subsidiary of ANV Group Holdings Ltd. |
| Long Name | Open Lending Corp |
| Market Cap | 371,532,640 |
| 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 | 371,532,612 |
| Number Of Analyst Opinions | 5 |
| Open | 3.15 |
| Operating Cashflow | -120,000 |
| Operating Margins | -0.03089 |
| Overall Risk | 10 |
| Payout Ratio | 0.0 |
| Phone | 512 892 0400 |
| Previous Close | 0.0 |
| Price Hint | 4 |
| Price To Book | 4.929356 |
| Price To Sales Trailing12 Months | 4.159801 |
| Profit Margins | -0.05949 |
| Quick Ratio | 4.083 |
| Quote Type | EQUITY |
| Recommendation Key | hold |
| Recommendation Mean | 3.0 |
| Regular Market Day High | 3.15 |
| Regular Market Day Low | 3.14 |
| Regular Market Open | 3.15 |
| Regular Market Previous Close | 0.0 |
| Regular Market Volume | 838,749 |
| Return On Assets | 0.01074 |
| Return On Equity | -0.06849 |
| Revenue Growth | -0.16 |
| Revenue Per Share | 0.756 |
| Sand P52 Week Change | 0.20504117 |
| 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 | 0.0175 |
| Shares Short | 2,067,834 |
| Shares Short Previous Month Date | 1,781,481,600 |
| Shares Short Prior Month | 2,543,481 |
| Short Name | Open Lending Corporation |
| Short Percent Of Float | 0.0202 |
| Short Ratio | 0.37 |
| State | TX |
| Symbol | LPRO |
| Target High Price | 3.15 |
| Target Low Price | 2.0 |
| Target Mean Price | 2.92 |
| Target Median Price | 3.15 |
| Time Zone Full Name | America/New_York |
| Time Zone Short Name | EDT |
| 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 | NaN |
| Trailing Eps | -0.05 |
| Trailing Peg Ratio | None |
| Two Hundred Day Average | 1.9746 |
| Underlying Symbol | LPRO |
| Uuid | 559,601cf-15e5-3a78-8346-9820b7e2aa33 |
| Volume | 838,749 |
| Website | https://www.openlending.com |
| Zip | 78,746 |