OPEN LENDING CORPORATION |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 4.96 USD | +0.81% |
|
+6.44% | -41.72% |
| Apr. 18 | Oneaz?s Launch of Credit Flex Auto Program Backed by Open Lending | CI |
| Mar. 25 | Open Lending Insider Sold Shares Worth $367,290, According to a Recent SEC Filing | MT |
Valuation
| Fiscal Period: December | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|
| Capitalization 1 | 4,433 | 2,837 | 852.5 | 1,019 | 591 | - | - |
| Enterprise Value (EV) 1 | 4,487 | 2,867 | 795.5 | 1,019 | 374.9 | 338 | 205.3 |
| P/E ratio | -32.1 x | 19.4 x | 12.7 x | 47.3 x | 19.1 x | 14.2 x | 8.55 x |
| Yield | - | - | - | - | - | - | - |
| Capitalization / Revenue | 40.7 x | 13.2 x | 4.75 x | 8.68 x | 4.65 x | 3.98 x | 3.11 x |
| EV / Revenue | 41.2 x | 13.3 x | 4.43 x | 8.68 x | 2.95 x | 2.28 x | 1.08 x |
| EV / EBITDA | 64.5 x | 18.5 x | 7.52 x | 20.3 x | 6.25 x | 4.47 x | 1.96 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 | - | 2.45 x | 2.02 x | 1.63 x |
| Nbr of stocks (in thousands) | 126,803 | 126,190 | 126,300 | 119,754 | 119,151 | - | - |
| Reference price 2 | 34.96 | 22.48 | 6.750 | 8.510 | 4.960 | 4.960 | 4.960 |
| 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 | 127 | 148.4 | 190.1 |
| EBITDA 1 | 69.53 | 155 | 105.7 | 50.17 | 59.98 | 75.68 | 104.7 |
| EBIT 1 | 56.72 | 150.3 | 97.62 | 29.08 | 41.8 | 53.79 | 103.8 |
| Operating Margin | 52.09% | 69.69% | 54.35% | 24.75% | 32.91% | 36.25% | 54.57% |
| Earnings before Tax (EBT) 1 | -90.99 | 191.2 | 93.54 | 28.86 | 41.74 | 55.9 | 90.92 |
| Net income 1 | -97.56 | 146.1 | 66.62 | 22.07 | 30.98 | 41.8 | 69.97 |
| Net margin | -89.6% | 67.74% | 37.09% | 18.79% | 24.39% | 28.17% | 36.8% |
| EPS 2 | -1.090 | 1.160 | 0.5300 | 0.1800 | 0.2595 | 0.3497 | 0.5800 |
| 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 Q3 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 58.89 | 51.63 | 50.07 | 52.04 | 50.66 | 26.82 | 38.36 | 38.15 | 26.01 | 14.94 | 28.66 | 31.26 | 32.97 | 34.71 | 35.03 |
| EBITDA 1 | 42.08 | 36.56 | 33.77 | 34.04 | 29.4 | 8.521 | 21.25 | 20.74 | 10.32 | -2.14 | 12.26 | 14.48 | 15.98 | 17.06 | 17.75 |
| EBIT 1 | 40.74 | 35.23 | 32.24 | 32.81 | 27.79 | 4.773 | 17.1 | 15.72 | 4.536 | -8.277 | 6.883 | 9.225 | 10.86 | 11.98 | 11.75 |
| Operating Margin | 69.18% | 68.23% | 64.4% | 63.04% | 54.86% | 17.8% | 44.57% | 41.2% | 17.44% | -55.41% | 24.02% | 29.51% | 32.93% | 34.51% | 33.53% |
| Earnings before Tax (EBT) 1 | 39.82 | 34.78 | 31.46 | 31.71 | 26.26 | 4.104 | 16.77 | 15.51 | 4.535 | -7.961 | 7.639 | 9.773 | 11.19 | 12.2 | 13.23 |
| Net income 1 | 29.41 | 27.84 | 23.15 | 23.13 | 24.53 | -4.189 | 12.54 | 11.37 | 3.003 | -4.842 | 5.637 | 7.202 | 8.254 | 9.007 | 9.878 |
| Net margin | 49.95% | 53.92% | 46.25% | 44.44% | 48.42% | -15.62% | 32.68% | 29.8% | 11.55% | -32.41% | 19.67% | 23.04% | 25.03% | 25.95% | 28.2% |
| EPS 2 | 0.2300 | 0.2300 | 0.1800 | 0.1800 | 0.1900 | -0.0300 | 0.1000 | 0.0900 | 0.0200 | -0.0400 | 0.0483 | 0.0633 | 0.0699 | 0.0780 | 0.0870 |
| Dividend per Share 2 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Announcement Date | 11/9/21 | 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 | - | - | - | - | - |
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 | - | 216 | 253 | 386 |
| Leverage (Debt/EBITDA) | 0.7709 x | 0.1923 x | - | - | - | - | - |
| Free Cash Flow | 23.4 | - | 107 | - | - | - | - |
| ROE (net income / shareholders' equity) | -33% | 157% | 35.8% | - | 15.1% | 18.2% | 20.8% |
| ROA (Net income/ Total Assets) | -52.3% | - | 19.1% | - | 6.85% | 9.1% | - |
| Assets 1 | 186.6 | - | 349.2 | - | 452.5 | 459.2 | - |
| Book Value Per Share 2 | 0.2100 | 1.260 | 1.720 | - | 2.030 | 2.460 | 3.050 |
| Cash Flow per Share 2 | 0.3000 | - | 0.8500 | - | 0.5600 | 0.3000 | - |
| Capex 1 | 1.2 | - | 0.62 | - | 1.85 | 2.13 | - |
| Capex / Sales | 1.1% | - | 0.35% | - | 1.46% | 1.44% | - |
| 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+
Sell
Buy
Mean consensus
OUTPERFORM
Number of Analysts
9
Last Close Price
4.96
USD
Average target price
8.111
USD
Spread / Average Target
+63.53%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -41.72% | 591M | |
| +0.02% | 12.23B | |
| -9.76% | 1.86B | |
| +1.04% | 1.86B | |
| -11.02% | 128M | |
| +10.30% | 60.03M |
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- Financials Open Lending Corporation
