LPRO$1.69
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AI LPRO Summary
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Powered by LiveAIOverall Analysis
HoldOpen Lending Corporation exhibits a mixed investment profile. Fundamentally, it shows profitability and a solid balance sheet, but growth has been inconsistent. Thematic alignment with financial technology is positive, but current technical indicators suggest a neutral to slightly cautious stance.
Thematic
Open Lending operates within the growing financial technology (FinTech) sector, specifically in lending enablement. This aligns with trends in digital transformation of financial services, but the company's niche focus might limit broader thematic appeal compared to more diversified FinTech players.
Fundamental
Open Lending demonstrates a healthy balance sheet with ample cash, but recent financial performance shows significant revenue contraction and net losses. Profitability metrics are weak, and growth has reversed. This presents a mixed fundamental picture.
Technical
Technical indicators show a stock that has experienced significant volatility and is currently trading near its 52-week low. While some short-term indicators suggest potential for minor upward movement, the overall trend remains weak.
| Factor | Score |
|---|---|
| Financial Technology Adoption | 80 |
| Automotive Lending Market | 70 |
| Risk Analytics and Insurance | 75 |
| Regulatory Environment (FinTech) | 65 |
| Competitive Landscape | 70 |
| Factor | Score |
|---|---|
| Valuation | 30 |
| Profitability | 10 |
| Growth | 15 |
| Balance Sheet Health | 90 |
| Cash Flow | 60 |
| Earnings Per Share (EPS) | 10 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 60 |
| Moving Averages | 55 |
| Support & Resistance | 40 |
| Volume | 65 |
AI Investing Checklist
Powered by LiveAIBullish Points (5)
Potential Undervaluation Based on P/S
The Price/Sales (PS) ratio of -33.8 (TTM) and -12.6 (2024Q4) is significantly negative, which is unusual. However, if looking at historical positive PS ratios like 1.7 (2022) and 2.6 (2023), and considering the current market cap, there might be potential for a valuation rebound if profitability improves.
Strong Cash Position
The company has substantial cash and cash equivalents of $243,164,000 as of Q4 2024, providing significant liquidity and a buffer against short-term financial challenges. This is higher than its debt of $191,325,000 in the same period.
Bearish Points (9)
Significant Net Loss
The company reported a substantial net loss of -$135,010,000 for Q4 2024 and a TTM net income of -$142,382,000, indicating significant profitability challenges.
Negative Revenue Growth
The reported revenue for Q4 2024 was -$56,924,000, a highly unusual and negative figure, suggesting significant issues with revenue recognition or reporting. The annual revenue for 2024 was also negative.
Calendar
August 2025
7
Next Earnings Date
H: $0.02
A: $0.01
L: $0.00
H: 25.20M
A: 23.63M
L: 22.75M
Profile
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.
Seasonals
Price Target
2.92 USD
The 39 analysts offering 1 year price forecasts for LPRO have a max estimate of 4.00 and a min estimate of 2.50.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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