Stocktoria
Open Lending Corp LPRO
Open Lending Corp (LPRO) earns a Piotroski F-score of 6/9 (mixed financial health), with an Altman Z″ in the distress zone. It pays a dividend yielding 36.73% (safety: no dividend). FY2025 revenue was $93.2M at a -4.5% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -1.26 — elevated (above the −1.78 line — aggressive-accounting signals worth a closer look) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · distress zone
| Component | Value |
|---|---|
| Working capital / assets | 0.733 |
| Retained earnings / assets | -1.407 |
| EBIT / assets | -0.021 |
| Equity / liabilities | 0.464 |
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| LPRO | Open Lending Corp | 6/9 | 0.56 | — | +288% |
| WRLD | WORLD ACCEPTANCE CORP | 4/9 | — | 23.2 | +3.7% |
| RM | Regional Management Corp. | 4/9 | — | 8.5 | +9.7% |
| ATLC | Atlanticus Holdings Corp | 3/9 | — | 13.7 | +50.1% |
| CACC | CREDIT ACCEPTANCE CORP | 6/9 | — | 15.5 | +7.2% |
| ENVA | Enova International, Inc. | 6/9 | — | 18.6 | +18.6% |
| AFRM | Affirm Holdings, Inc. | 5/9 | — | 510.1 | +38.8% |
All Finance, Insurance & Real Estate companies →
About Open Lending Corp
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.
FAQ
Is LPRO financially healthy?
Open Lending Corp's Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the distress zone.
Does LPRO pay a dividend, and is it safe?
Yes. Open Lending Corp pays a dividend yielding about 36.73% with a None payout ratio, rated “no dividend” for safety.
How profitable is LPRO?
In FY2025, Open Lending Corp had a net margin of -4.5% and a return on equity of -5.7%.
What is the analyst price target for LPRO?
The average Wall-Street price target for Open Lending Corp is $2.50, about 20.4% below the recent price, from 4 analysts (consensus: hold).
Is LPRO a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Open Lending Corp: a Piotroski F-score of 6/9, an Altman Z″ in the distress zone, a dividend yield of 36.73%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.