Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
LPRO
HOLDOpen Lending Corporation · Financial Services · United States · $373M · Avg Vol: $14M/d
COMPANY DESCRIPTION
Open Lending Corporation provides AI-powered lending enablement services to financial institutions, specializing in facilitating near-prime and subprime auto loans. Its proprietary risk modeling and machine learning algorithms allow lenders to safely expand their addressable market while minimizing default risk. The company operates as a niche technology provider, offering a unique solution for underserved credit segments within the auto finance industry.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 179.6M | 117.5M | 24.0M | 93.2M | -19.6% | 89.3M | 101.8M | 116.9M | 12.0% |
| EPS | 1.16 | 0.53 | 0.18 | -1.13 | -0.04 | -60.6% | -0.05 | — | — | — |
| Shares | — | 123.6M | 118.8M | 119.4M | 117.7M | -4.8% | 118.3M | — | — | — |
| Debt | — | 152.1M | 148.1M | 191.3M | 134.3M | -4.1% | 85.1M | — | — | — |
| Equity | — | 212.8M | 205.6M | 78.1M | 75.0M | -29.4% | — | — | — | — |
| Op CF | — | 107.4M | 82.7M | 17.6M | -3.2M | -59.5% | — | — | — | — |
| Inv CF | — | -0.6M | -2.2M | -3.9M | -1.0M | — | — | — | — | — |
| Fin CF | — | -17.8M | -42.3M | -6.4M | -61.5M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of LPRO are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| LPRO | Open Lending Corporation(you) | $373M | 58 | HOLD |
| MFIN | Medallion Financial Corp. | $226M | 57 | HOLD |
| CPSS | Consumer Portfolio Services, Inc. | $205M | 53 | HOLD |
| GDOT | Green Dot Corporation | $753M | 62 | HOLD |
| WRLD | World Acceptance Corporation | $950M | 61 | HOLD |
| OPRT | Oportun Financial Corporation | $257M | 37 | HOLD |
| AGM-A | Federal Agricultural Mortgage Corporation | $1.6B | 59 | HOLD |
| PRAA | PRA Group, Inc. | $648M | 36 | HOLD |
| ATLC | Atlanticus Holdings Corporation | $1.5B | 63 | HOLD |
| RM | Regional Management Corp. | $384M | 93 | STRONG BUY |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%