Open Lending Corp. (LPRO) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Magnite, Inc.

Phreesia, Inc.

Open Lending Corp.

Zuora, Inc.

Amplitude, Inc.

Everbridge, Inc.

SEMrush Holdings, Inc.

Definitive Healthcare Corp.

ECARX Holdings, Inc.

NeoGames SA

Avantax, Inc.

Why is Open Lending Corp. ?

With a growth in Net Sales of 5.92%, the company declared Very Positive results in Mar 26

The company has declared positive results for the last 2 consecutive quarters
NET SALES(HY) Higher at USD 39.84 MM
RAW MATERIAL COST(Y) Fallen by -1.6% (YoY)
DEBTORS TURNOVER RATIO(HY) Highest at 3.24 times

Risky -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of 41.36%, its profits have risen by 97%

High Institutional Holdings at 96.1%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.24% over the previous quarter.

Market Beating Performance

The stock has generated a return of 41.36% in the last 1 year, much higher than market (S&P 500) returns of 24.50%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Open Lending Corp. should be less than 10%
Overall Portfolio exposure to Software Products should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Software Products)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Open Lending Corp. for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

Open Lending Corp.

41.36%

-0.62

86.36%

S&P 500

24.5%

1.86

13.14%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

0.38%

EBIT Growth (5y)

-163.94%

EBIT to Interest (avg)

10.25

Debt to EBITDA (avg)

0.22

Net Debt to Equity (avg)

-1.36

Sales to Capital Employed (avg)

0.25

Tax Ratio

31.50%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

96.10%

ROCE (avg)

60.81%

ROE (avg)

50.60%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

1.93

EV to EBIT

-8.44

EV to EBITDA

-16.28

EV to Capital Employed

-1.53

EV to Sales

0.45

PEG Ratio

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

-5.38%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

RSI

No Signal

Bollinger Bands

Bullish

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Mildly Bullish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

20What is working for the Company

NET SALES(HY)

Higher at USD 39.84 MM

RAW MATERIAL COST(Y)

Fallen by -1.6% (YoY

DEBTORS TURNOVER RATIO(HY)

Highest at 3.24 times

PRE-TAX PROFIT(Q)

At USD -0.47 MM has Grown at 63.61%

NET PROFIT(Q)

At USD -0.46 MM has Grown at 54.38%

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD -0.11 MM

NET SALES(Q)

At USD 20.49 MM has Fallen at -12.07%

Here's what is working for Open Lending Corp.

Pre-Tax Profit

At USD -0.47 MM has Grown at 63.61%

over average net sales of the previous four periods of USD -1.29 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

At USD -0.46 MM has Grown at 54.38%

over average net sales of the previous four periods of USD -1.01 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Debtors Turnover Ratio

Highest at 3.24 times

in the last five Semi-Annual periods

MOJO Watch

Company has been able to sell its Debtors faster

Debtors Turnover Ratio

Raw Material Cost

Fallen by -1.6% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for Open Lending Corp.

Operating Cash Flow

Lowest at USD -0.11 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales

At USD 20.49 MM has Fallen at -12.07%

over average net sales of the previous four periods of USD 23.3 MM

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)