Financials Open Lending Corporation

Equities

LPRO

US68373J1043

Professional Information Services

Market Closed - Nasdaq 04:00:00 2024-07-18 pm EDT 5-day change 1st Jan Change
6.33 USD -4.67% Intraday chart for Open Lending Corporation +7.11% -25.62%

Valuation

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 4,433 2,837 852.5 1,019 791.3 - -
Enterprise Value (EV) 1 4,487 2,867 795.5 916.5 575.4 542.5 402.9
P/E ratio -32.1 x 19.4 x 12.7 x 47.3 x 27.1 x 20.7 x 13.8 x
Yield - - - - - - -
Capitalization / Revenue 40.7 x 13.2 x 4.75 x 8.68 x 6.1 x 5.34 x 4.4 x
EV / Revenue 41.2 x 13.3 x 4.43 x 7.8 x 4.44 x 3.66 x 2.24 x
EV / EBITDA 64.5 x 18.5 x 7.52 x 18.3 x 10.4 x 7.65 x 4.17 x
EV / FCF 191,376,695 x - 7,448,108 x - - - -
FCF Yield 0% - 0% - - - -
Price to Book 167 x 17.8 x 3.92 x 4.92 x 3.41 x 2.84 x 2.32 x
Nbr of stocks (in thousands) 126,803 126,190 126,300 119,754 119,165 - -
Reference price 2 34.96 22.48 6.750 8.510 6.640 6.640 6.640
Announcement Date 3/9/21 2/24/22 2/23/23 2/27/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net sales 1 108.9 215.7 179.6 117.5 129.7 148.1 180
EBITDA 1 69.53 155 105.7 50.17 55.16 70.96 96.69
EBIT 1 56.72 150.3 97.62 29.08 39.1 50.07 81.95
Operating Margin 52.09% 69.69% 54.35% 24.75% 30.14% 33.81% 45.52%
Earnings before Tax (EBT) 1 -90.99 191.2 93.54 28.86 40.69 52.04 77.28
Net income 1 -97.56 146.1 66.62 22.07 28.24 38.29 57.21
Net margin -89.6% 67.74% 37.09% 18.79% 21.77% 25.85% 31.78%
EPS 2 -1.090 1.160 0.5300 0.1800 0.2450 0.3201 0.4800
Free Cash Flow 23.44 - 106.8 - - - -
FCF margin 21.53% - 59.47% - - - -
FCF Conversion (EBITDA) 33.72% - 101.01% - - - -
FCF Conversion (Net income) - - 160.32% - - - -
Dividend per Share 2 - - - - - - -
Announcement Date 3/9/21 2/24/22 2/23/23 2/27/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 51.63 50.07 52.04 50.66 26.82 38.36 38.15 26.01 14.94 30.74 31.65 32.98 34.34 35.83 36.95
EBITDA 1 36.56 33.77 34.04 29.4 8.521 21.25 20.74 10.32 -2.14 12.52 12.76 14.27 15.26 16.71 17.37
EBIT 1 35.23 32.24 32.81 27.79 4.773 17.1 15.72 4.536 -8.277 7.323 8.083 10.32 11.44 10.98 11.43
Operating Margin 68.23% 64.4% 63.04% 54.86% 17.8% 44.57% 41.2% 17.44% -55.41% 23.82% 25.54% 31.28% 33.3% 30.64% 30.92%
Earnings before Tax (EBT) 1 34.78 31.46 31.71 26.26 4.104 16.77 15.51 4.535 -7.961 7.524 8.392 10.26 11.33 12.12 12.74
Net income 1 27.84 23.15 23.13 24.53 -4.189 12.54 11.37 3.003 -4.842 5.087 6.005 7.371 8.149 8.819 9.256
Net margin 53.92% 46.25% 44.44% 48.42% -15.62% 32.68% 29.8% 11.55% -32.41% 16.55% 18.97% 22.35% 23.73% 24.62% 25.05%
EPS 2 0.2300 0.1800 0.1800 0.1900 -0.0300 0.1000 0.0900 0.0200 -0.0400 0.0400 0.0500 0.0640 0.0700 0.0760 0.0805
Dividend per Share 2 - - - - - - - - - - - - - - -
Announcement Date 2/24/22 5/5/22 8/4/22 11/3/22 2/23/23 5/9/23 8/8/23 11/7/23 2/27/24 5/8/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 53.6 29.8 - - - - -
Net Cash position 1 - - 57 103 216 249 388
Leverage (Debt/EBITDA) 0.7709 x 0.1923 x - - - - -
Free Cash Flow 23.4 - 107 - - - -
ROE (net income / shareholders' equity) -33% 157% 35.8% 10.5% 12.4% 17.1% 20.3%
ROA (Net income/ Total Assets) -52.3% - 19.1% 5.86% 6.3% 9.41% -
Assets 1 186.6 - 349.2 376.8 448.3 406.8 -
Book Value Per Share 2 0.2100 1.260 1.720 1.730 1.950 2.340 2.860
Cash Flow per Share 2 0.3000 - 0.8500 0.6800 0.4700 0.2500 -
Capex 1 1.2 - 0.62 2.18 1.06 2.37 -
Capex / Sales 1.1% - 0.35% 1.85% 0.82% 1.6% -
Announcement Date 3/9/21 2/24/22 2/23/23 2/27/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
D+
More Ratings
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
10
Last Close Price
6.64 USD
Average target price
7.667 USD
Spread / Average Target
+15.46%
Consensus
  1. Stock Market
  2. Equities
  3. LPRO Stock
  4. Financials Open Lending Corporation