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Open Lending Corp

Financial Services US LPRO

1.055USD
-0.145(12.08%)

Last update at 2025-04-04T18:50:00Z

Day Range

1.041.16
LowHigh

52 Week Range

4.5711.73
LowHigh

Fundamentals

  • Previous Close 1.20
  • Market Cap745.97M
  • Volume2840466
  • P/E Ratio52.17
  • Dividend Yield-%
  • EBITDA20.59M
  • Revenue TTM109.84M
  • Revenue Per Share TTM0.92
  • Gross Profit TTM 159.63M
  • Diluted EPS TTM0.12

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

2018-12-312019-12-312020-12-312021-12-312022-12-31-80M-60M-40M-20M0M20M40M60M80M100M120M140M160M180M200M
Total Revenue
Net Income

Balancesheet

2019-12-312020-12-312021-12-312022-12-312023-12-310M50M100M150M200M250M300M350M
Total Assets
Total Liabilities

Change in Cash

2018-12-312019-12-312020-12-312021-12-312022-12-310M10M20M30M40M50M60M70M80M90M

Total Operating Cash

2018-12-312019-12-312020-12-312021-12-312022-12-3120M30M40M50M60M70M80M90M100M110M

Dividends Paid

2018-12-312019-12-312020-12-312021-12-312022-12-31-120M-100M-80M-60M-40M-20M0M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 93.54M 191.17M -90.99100M 62.51M 28.32M
Minority interest - - - - -
Net income 66.62M 146.08M -97.56400M 62.54M 28.28M
Selling general administrative 35.95M 30.39M 32.58M 13.77M 12.12M
Selling and marketing expenses 17.86M 12.00M 7.84M 7.48M 6.19M
Gross profit 159.63M 197.03M 99.11M 85.04M 47.59M
Reconciled depreciation 1.34M 1.12M 1.77M 0.10M 0.08M
Ebit 97.61M 205.81M 56.72M 62.62M 28.66M
Ebitda 100.71M 206.93M 54.31M 62.94M 28.74M
Depreciation and amortization 3.10M 1.12M -2.40700M 0.33M 0.08M
Non operating income net other - -8.68400M -4.17500M - -
Operating income 97.61M 205.81M 56.72M 62.62M 28.47M
Other operating expenses 81.98M 65.37M 52.17M 30.23M 23.72M
Interest expense 5.83M 5.86M 11.60M 0.32M 0.34M
Tax provision 26.92M 45.09M 6.57M 1.00M 0.82M
Interest income 2.00M 0.21M 0.20M 5.85M 4.08M
Net interest income -3.83700M -5.64600M -11.39900M -0.29800M -0.32800M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 26.92M 45.09M 6.57M -0.03000M 0.04M
Total revenue 179.59M 215.66M 108.89M 92.85M 52.19M
Total operating expenses 62.01M 46.74M 42.39M 22.43M 19.11M
Cost of revenue 19.97M 18.62M 9.79M 7.81M 4.60M
Total other income expense net -4.07500M -14.63700M -147.70800M -0.10100M 0.17M
Discontinued operations - - - - -
Net income from continuing ops 66.62M 146.08M -97.56400M 62.54M 28.28M
Net income applicable to common shares 66.62M 146.08M -90.71600M -111.93900M -44.09800M
Preferred stock and other adjustments - - 40.69M - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 374.04M 379.63M 318.82M 294.01M 79.19M
Intangible assets - - - - -
Earning assets - - - - -
Other current assets 2.85M 2.36M 2.39M 2.02M 0.20M
Total liab 168.46M 166.81M 159.84M 267.39M 313.96M
Total stockholder equity 205.58M 212.82M 158.98M 26.62M -234.77900M
Deferred long term liab - 0.30M - - -
Other current liab 15.53M 11.07M 3.67M 2.78M 2.37M
Common stock 1.28M 1.28M 1.28M 1.28M 0.38M
Capital stock 1.28M 1.28M 1.28M 1.28M 0.38M
Retained earnings -193.74900M -215.81900M -282.43900M -428.40600M -242.78100M
Other liab - 3.94M - 92.38M -
Good will - - - - -
Other assets - 91.70M 108.18M 124.30M 33.67M
Cash 246.67M 204.45M 116.45M 101.51M 7.68M
Cash and equivalents - - - - -
Total current liabilities 20.59M 15.11M 12.06M 17.01M 8.19M
Current deferred revenue - - 3.98M 5.54M 2.01M
Net debt -99.17400M -52.93500M 34.45M 61.74M -4.36300M
Short term debt 4.69M 3.75M 3.12M 5.25M 2.48M
Short long term debt 4.69M 3.75M 3.12M 4.89M 2.48M
Short long term debt total 147.50M 151.51M 150.90M 163.25M 3.31M
Other stockholder equity 398.05M 427.36M 440.14M 453.75M 7.63M
Property plant equipment - 7.18M 7.85M 6.93M 0.30M
Total current assets 289.88M 280.74M 202.79M 162.78M 45.21M
Long term investments - - - - -
Net tangible assets - 212.82M 158.98M 26.62M -234.77900M
Short term investments - - - - -
Net receivables 40.35M 69.86M 78.41M 54.74M 33.55M
Long term debt 139.36M 143.68M 143.13M 152.86M 0.83M
Inventory 0.00000M 4.07M 5.53M 4.51M 3.78M
Accounts payable 0.38M 0.29M 1.28M 3.44M 1.34M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 0.00000M - - - -0.33900M
Additional paid in capital - - - - -
Common stock total equity - - 1.28M 1.28M 0.38M
Preferred stock total equity - - - - -
Retained earnings total equity - - -282.43900M -428.40600M -
Treasury stock - - -56.84400M -37.50000M -
Accumulated amortization - - - - -
Non currrent assets other 5.54M 26.58M 42.68M 39.08M 33.67M
Deferred long term asset charges - - - - -
Non current assets total 84.16M 98.89M 116.03M 131.23M 33.97M
Capital lease obligations 4.08M 4.08M 4.64M 5.50M 0.00000M
Long term debt total - - 143.13M 152.86M -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -0.62400M -1.98700M -1.19600M -0.09900M -0.10600M
Change to liabilities -0.99600M -2.15700M 2.10M 0.58M 0.38M
Total cashflows from investing activities -0.62400M -1.98700M -1.19600M -0.09900M -0.10600M
Net borrowings 1.41M -19.19100M 163.48M -2.50000M -2.50000M
Total cash from financing activities -17.79700M -77.80800M 70.81M -44.90100M -21.37600M
Change to operating activities 4.10M -1.26700M 4.17M -0.00300M 0.36M
Net income 66.62M 146.08M -97.56400M 62.54M 28.28M
Change in cash 89.01M 15.36M 94.25M -3.23800M 7.12M
Begin period cash flow 119.51M 104.15M 9.90M 13.14M 6.02M
End period cash flow 208.52M 119.51M 104.15M 9.90M 13.14M
Total cash from operating activities 107.43M 95.16M 24.64M 41.76M 28.60M
Issuance of capital stock - - - - -
Depreciation 1.34M 1.12M 1.77M 0.10M 0.08M
Other cashflows from investing activities - - - 2.94M -274.23980M
Dividends paid 0.00000M 0.00000M -135.59800M -42.40100M 18.88M
Change to inventory - -25.03000M -20.03000M - 0.36M
Change to account receivables 0.80M -2.18100M -0.58500M -1.82900M -0.44300M
Sale purchase of stock -18.01800M -20.00000M -37.50000M 0.00000M 269.19M
Other cashflows from financing activities 148.81M 136.38M -24.92400M -0.09900M -0.10600M
Change to netincome 6.40M -22.77400M 139.49M 2.08M 2.56M
Capital expenditures 0.62M 1.99M 1.20M 0.10M 0.11M
Change receivables - -2.18100M -0.58500M - -
Cash flows other operating - -79.66600M -28.96300M - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - 15.36M 94.25M - -
Change in working capital 33.07M -29.81800M -19.05800M -22.96300M -2.31700M
Stock based compensation 5.45M 3.81M 2.83M 1.98M 2.53M
Other non cash items 0.58M -46.10000M 131.93M 0.09M 0.03M
Free cash flow 106.81M 93.17M 23.44M 41.66M 28.50M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
LPRO
Open Lending Corp		 -0.145 12.08% 1.05 52.17 31.85 5.16 2.95 4.38 12.65
V
Visa Inc. Class A		 -23.09 6.80% 316.30 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 -34.31 6.47% 496.24 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company		 -13.48 5.46% 233.52 21.83 20.04 3.53 7.21 4.18
PYPL
PayPal Holdings Inc		 -2.85 4.62% 58.86 21.96 18.69 2.93 4.56 2.86 12.64

Reports Covered

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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 Program (LPP), which is a cloud-based automotive lending 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. Open Lending Corporation was founded in 2000 and is based in Austin, Texas.

Open Lending Corp

1501 South Mopac Expressway, Austin, TX, United States, 78746

Key Executives

Name Title Year Born
Mr. Charles D. Jehl Exec. VP, CFO & Treasurer 1968
Mr. Keith A. Jezek CEO & Director 1964
Mr. Richard F. Watkins Founder NA
Ms. Jill Tyson Sr. VP of Operations NA
Ms. Cecilia Camarillo Chief Accounting Officer 1968
Ms. Sarah Lackey Chief Technology Officer 1983
Mr. Thinh Nguyen Chief Information Officer NA
Mr. Matthew S. Stark Exec. VP, Gen. Counsel & Corp. Sec. 1973
Ms. Simona Fillarini Chief HR Officer NA
Mr. Matthew R. Roe Chief Revenue Officer 1983

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