US · LPRO
Open Lending Corporation
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Austin, TX 78746
- Website
- openlending.com
Price · as of 2024-12-31
$1.77
Market cap 157.19M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $39.73 | +2,144.63% |
| Intrinsic Value(DCF) | $1.92 | +8.47% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $77.04 | +4,252.66% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | $9.92 | $33.68 | $61.73 | $1.39 | $20.53 |
| 2019 | $10.37 | $38.27 | $0.00 | $0.00 | $137.20 |
| 2020 | $40.04 | $45.89 | $2.82 | $0.00 | $0.00 |
| 2021 | $18.32 | $48.87 | $2.44 | $7.04 | $117.77 |
| 2022 | $6.57 | $33.20 | $2.64 | $4.33 | $0.00 |
| 2023 | $7.25 | $34.23 | $1.58 | $2.62 | $0.00 |
| 2024 | $4.77 | $39.73 | $0.04 | $0.00 | $77.04 |
AI valuation
Our deep-learning model estimates Open Lending Corporation's (LPRO) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $39.73
- Current price
- $1.77
- AI upside
- +2,144.63%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$1.92
+8.47% upside
Graham-Dodd
—
— upside
Graham Formula
$77.04
+4,252.66% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| LPRO | Open Lending Corporation | $1.77 | 157.19M | +2,145% | +8% | — | +4,253% | -4.21 | 7.28 | 23.66 | -9.09 | — | 7.82 | 0.70% | -272.14% | -561.98% | -95.19% | -141.83% | -40.28% | 1.84 | -5.78 | 5.84 | 5.54 | 1.93 | -72778.00% | -7955.00% | -7834.00% | 3.07% | 0.37 | 37.82% | 0.00% | 0.00% | 1.29% | -7.18 | 26.91 | 19.53 | 0.29 |
| CPSS | Consumer Portfolio Servic… | $8.10 | 178.78M | +2,014% | -54% | +125% | +116% | 10.43 | 0.68 | 0.51 | 113.81 | — | 0.68 | 52.75% | 6.97% | 4.88% | 6.77% | 0.64% | 0.60% | 10.78 | 0.14 | — | — | 106.73 | -5611.00% | 1179.00% | -173.00% | 116.45% | — | 7.74% | 0.00% | 0.00% | 6.40% | 117.38 | 13.80 | 8.18 | 0.28 |
| CURR | Currenc Group, Inc. | $2.09 | 160.12M | +2,243% | +53% | — | +104% | -2.18 | -1.30 | 1.85 | -1.68 | -0.56 | -1.05 | 31.42% | -58.96% | -85.01% | 61.32% | 29.29% | -31.59% | -0.34 | -3.22 | 0.61 | 0.56 | 1.56 | 39048.00% | -1281.00% | -11845.00% | 3.35% | 0.02 | -3.07% | 0.00% | 0.00% | 28.84% | -1.63 | 15.50 | 0.96 | -2.40 |
| DRDB | Roman DBDR Acquisition Co… | $10.43 | 239.89M | — | — | — | — | 514849.07 | 1.36 | — | 1229.94 | — | 1.36 | 0.00% | — | — | — | — | — | 0.00 | — | 4.63 | 4.21 | -5.69 | — | — | — | -0.15% | -1.36 | — | 0.00% | 0.00% | 0.00% | -1327.75 | -667.42 | — | 548.92 |
| FOA | Finance Of America Compan… | $19.35 | 196.37M | +8,018% | -53% | +75% | +154% | -1.56 | 0.87 | 0.11 | 353.39 | — | 5.70 | 13.88% | 2.20% | 0.79% | -58.50% | 0.15% | -0.51% | 112.49 | 0.03 | 0.09 | 0.09 | 350.68 | -11208.00% | 2425.00% | 49219.00% | -190.70% | -0.33 | -1.52% | 0.00% | 0.00% | 0.00% | 674.85 | -68.18 | 14.82 | -0.01 |
| JRVR | James River Group Holding… | $7.00 | 321.76M | +1,085% | -39% | — | +23% | -1.93 | 0.26 | 0.22 | 10.99 | — | 0.41 | 12.34% | -10.05% | -11.46% | -12.74% | 17.03% | -1.57% | 0.51 | -2.88 | — | — | 1.22 | -224.00% | -1285.00% | -40910.00% | -161.24% | — | 67.59% | 12.16% | -23.40% | 82.26% | 7.29 | 2.06 | -0.73 | 0.00 |
| MFIN | Medallion Financial Corp. | $10.09 | 234.89M | +294% | +102% | +13% | +248% | 4.48 | 0.51 | 0.64 | 5.43 | — | 0.94 | 43.57% | 21.57% | 12.30% | 11.76% | 8.01% | 1.54% | 0.78 | 0.71 | 0.05 | 0.05 | 2.75 | -3586.00% | 1465.00% | 154.00% | 61.50% | 0.05 | 22.07% | 5.00% | 22.40% | 12.84% | 5.96 | 3.25 | 1.29 | -0.57 |
| OPRT | Oportun Financial Corpora… | $5.18 | 228.59M | +499% | -41% | +108% | +171% | 10.20 | 0.66 | 0.40 | 3.70 | — | 0.81 | 63.68% | 6.92% | 3.95% | 6.78% | 1.48% | 0.78% | 0.03 | 0.19 | 9.17 | 9.17 | -2.13 | -12718.00% | 1949.00% | 1044.00% | 160.86% | 35.95 | 24.23% | 0.00% | 0.00% | 1111.47% | 3.70 | 0.39 | 0.26 | 0.23 |
| PMTS | CPI Card Group Inc. | $12.27 | 139.67M | +403% | +101% | -89% | +128% | 16.11 | -8.83 | 0.65 | 7.20 | — | -3.37 | 35.63% | 13.07% | 4.06% | -44.59% | 22.87% | 6.07% | -8.13 | 1.84 | 2.69 | 1.57 | 3.23 | -1841.00% | 811.00% | 2323.00% | 10.83% | 0.57 | 15.90% | 0.00% | 0.00% | 4.02% | 9.08 | 16.75 | 1.19 | 3.17 |
| VABK | Virginia National Banksha… | $38.72 | 208.82M | +473% | -20% | +31% | -18% | 11.24 | 1.18 | 2.60 | 10.25 | 88.55 | 1.25 | 68.95% | 28.90% | 23.11% | 11.18% | 10.28% | 1.18% | 0.20 | 0.94 | 0.01 | 0.01 | 1.25 | 1270.00% | 88.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 10.25 | — | 2.96 | -0.22 |
| YRD | Yiren Digital Ltd. | $3.90 | 339.04M | +497% | +321% | +549% | +1,603% | 2.61 | 0.43 | 0.71 | -0.06 | — | 0.43 | 84.79% | 28.37% | 27.25% | 17.95% | 39.36% | 13.61% | 0.00 | — | 5.61 | 4.39 | -2.27 | -2221.00% | 1859.00% | -3469.00% | 34.23% | 0.68 | 39.77% | 2.96% | 7.70% | 4.79% | -0.06 | -0.07 | -0.02 | 2.96 |
About Open Lending Corporation
Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, and non-bank auto finance companies and captive finance companies of original equipment manufacturers in the United States. It offers Lenders Protection Program (LPP), which is a Software as a Service platform that facilitates loan decision making and automated underwriting by third-party lenders and the issuance of credit default insurance through third-party insurance providers. The company's LPP products include loan analytics, risk-based loan pricing, risk modeling, and automated decision technology for automotive lenders. Open Lending Corporation was founded in 2000 and is based in Austin, Texas.
- CEO
- Jessica Elizabeth Buss
- Employees
- 205
- Beta
- 2.02
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($1.92 ÷ $1.77) − 1 = +8.47% (DCF, example).