Stocktoria
Open Lending Corp LPRO
Nasdaq · XNAS · stock · Personal Credit Institutions · website · IPO 2018-03-02
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6/9
Piotroski F — financial health
0.56
Altman Z″ — distress risk · distress
—
Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $93.2M | $24.0M | $117.5M | $179.6M | $215.7M |
| Gross profit | $71.7M | $169,000 | $95.2M | $159.6M | $197.0M |
| Operating income | -$5.0M | -$65.4M | $29.1M | $97.6M | $150.3M |
| Net income | -$4.2M | -$135.0M | $22.1M | $66.6M | $146.1M |
| Operating cash flow | -$3.2M | $17.6M | $82.7M | $107.4M | $95.2M |
| Free cash flow | -$3.2M | $17.4M | $82.5M | $107.2M | $95.0M |
| Total assets | $236.7M | $296.4M | $374.0M | $379.6M | $318.8M |
| Total liabilities | $161.7M | $218.3M | $168.5M | $166.8M | $159.8M |
| Shareholders' equity | $75.0M | $78.1M | $205.6M | $212.8M | $159.0M |
| Ratios | |||||
| Gross margin | 76.9% | 0.7% | 81.0% | 88.9% | 91.4% |
| Operating margin | -5.4% | -272.1% | 24.8% | 54.4% | 69.7% |
| Net margin | -4.5% | -562.0% | 18.8% | 37.1% | 67.7% |
| FCF margin | -3.5% | 72.6% | 70.3% | 59.7% | 44.1% |
| Return on assets | -1.8% | -45.6% | 5.9% | 17.5% | 45.8% |
| Return on equity | -5.7% | -172.9% | 10.7% | 31.3% | 91.9% |
| Debt / equity | 1.03× | 1.69× | 0.70× | 0.69× | 0.92× |
| Current ratio | 4.52 | 5.84 | 14.08 | 18.58 | 16.81 |
| Revenue growth | 288.0% | -79.5% | -34.6% | -16.7% | 98.0% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 708,825 | $886,031 |
| Point72 Asset Management, L.P. | 21,288 | $26,610 |
Why these scores methodology →
Piotroski F-score: 6/9
- 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″: 0.56 (distress)
- Working capital / assets 0.733
- Retained earnings / assets -1.407
- EBIT / assets -0.021
- Equity / liabilities 0.464
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001806201 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.