Stocktoria

Open Lending Corp LPRO

Nasdaq · stock · Personal Credit Institutions · website · IPO 2018-03-02

Open Lending Corp statistics & valuation

Market cap$369.2M
P / S4.0×
P / B4.9×
Net margin-4.5%
Return on equity-5.7%
FCF margin-3.5%
Net cash$91.8M
Enterprise value USD$277.3M
Earnings yield EBIT/EV-1.8%
Return on capital-2.7%

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Net margin (%)
67.40% -89.60% 67.70% 37.10% 18.80% -562.00% -4.50% 2019202020212022202320242025
Gross margin (%)
91.60% 91.00% 91.40% 88.90% 81.00% 0.70% 76.90% 2019202020212022202320242025
Operating margin (%)
67.40% 52.10% 69.70% 54.40% 24.80% -272.10% -5.40% 2019202020212022202320242025
Return on equity (%)
-366.50% 91.90% 31.30% 10.70% -172.90% -5.70% 2019202020212022202320242025
Shares outstanding
37.6M 126.8M 126.4M 126.3M 121.5M 119.4M 118.6M 2019202020212022202320242025
Net debt ($)
$56.2M $29.8M -$57.0M -$96.2M -$103.4M -$91.8M 2019202020212022202320242025
Share buybacks ($)
2019202020212022202320242025
Return on assets (%)
79.00% -33.20% 45.80% 17.50% 5.90% -45.60% -1.80% 2019202020212022202320242025
Free cash flow margin (%)
44.90% 21.50% 44.10% 59.70% 70.30% 72.60% -3.50% 2019202020212022202320242025
Debt / equity (×)
5.93× 0.92× 0.69× 0.70× 1.79× 1.13× 2019202020212022202320242025
EPS ($)
-$2.97 -$1.09 $1.16 $0.53 $0.18 -$1.13 -$0.04 2019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019
Gross margin76.9%0.7%81.0%88.9%91.4%91.0%91.6%
Operating margin-5.4%-272.1%24.8%54.4%69.7%52.1%67.4%
Net margin-4.5%-562.0%18.8%37.1%67.7%-89.6%67.4%
FCF margin-3.5%72.6%70.3%59.7%44.1%21.5%44.9%
Return on assets-1.8%-45.6%5.9%17.5%45.8%-33.2%79.0%
Return on equity-5.7%-172.9%10.7%31.3%91.9%-366.5%-26.6%
Debt / equity1.13×1.79×0.70×0.69×0.92×5.93×—
Current ratio4.525.8414.0818.5816.819.575.52

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.