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.

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Zuora, Inc.

ECARX Holdings, Inc.

Open Lending Corp.

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Definitive Healthcare Corp.

NeoGames SA

Avantax, Inc.

Why is Open Lending Corp. ?

The company has declared Negative results for the last 12 consecutive quarters

NET PROFIT(HY) At USD -6.54 MM has Grown at -250.61%
OPERATING CASH FLOW(Y) Lowest at USD -12.02 MM
ROCE(HY) Lowest at -102.53%

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 -61.77%, its profits have fallen by -3382.8%

High Institutional Holdings at 94.86%

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.

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -61.77% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

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.

-61.77%

-0.82

99.21%

S&P 500

13.5%

0.70

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-20.03%

EBIT Growth (5y)

-232.32%

EBIT to Interest (avg)

10.25

Debt to EBITDA (avg)

0.22

Net Debt to Equity (avg)

-1.36

Sales to Capital Employed (avg)

0.23

Tax Ratio

31.50%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

94.86%

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

2.56

EV to EBIT

-1.04

EV to EBITDA

-1.06

EV to Capital Employed

-3.29

EV to Sales

5.15

PEG Ratio

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

-206.46%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bullish

RSI

No Signal

Bullish

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

Mildly Bearish

OBV

No Trend

Mildly Bullish

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

11What is working for the Company

NET SALES(HY)

Higher at USD 49.48 MM

DEBT-EQUITY RATIO (HY)

Lowest at -132.87 %

RAW MATERIAL COST(Y)

Fallen by -3.88% (YoY

PRE-TAX PROFIT(Q)

At USD -7.58 MM has Grown at 59.37%

NET PROFIT(Q)

At USD -7.57 MM has Grown at 78.58%

-14What is not working for the Company

NET PROFIT(HY)

At USD -6.54 MM has Grown at -250.61%

OPERATING CASH FLOW(Y)

Lowest at USD -12.02 MM

ROCE(HY)

Lowest at -102.53%

DEBTORS TURNOVER RATIO(HY)

Lowest at 0.54 times

Here's what is working for Open Lending Corp.

Net Sales

Higher at USD 49.48 MM

than preceding 12 month period ended Sep 2025

MOJO Watch

In the half year the company has already crossed sales of the previous twelve months

Net Sales (USD MM)

Debt-Equity Ratio

Lowest at -132.87 % and Grown

In each half year in the last five Semi-Annual periods

MOJO Watch

The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Pre-Tax Profit

At USD -7.58 MM has Grown at 59.37%

over average net sales of the previous four periods of USD -18.67 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

At USD -7.57 MM has Grown at 78.58%

over average net sales of the previous four periods of USD -35.34 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Raw Material Cost

Fallen by -3.88% (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 -12.02 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)

Debtors Turnover Ratio

Lowest at 0.54 times

in the last five Semi-Annual periods

MOJO Watch

Company's pace of selling Debtors has slowed

Debtors Turnover Ratio