Open Lending Corporation (LPRO) — Stock Score Summary

Open Lending Corporation (LPRO) has a MoatMap StockRank of 32/100 based on Quality (47/100), Value (22/100), and Momentum (51/100) factor scores. The current signal is SELL. Open Lending is highly cyclical and exposed to auto loan default rates, failing our quality filters for stable, high-ROIC compounders.

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.

Key Financial Metrics

Price$2.10
Market Cap$271M
P/E (Forward)13.18
Price/Book3.52
Return on Equity-6.8%
Return on Invested Capital2.3%
Debt/Equity112.96
Gross Margin77.2%
Operating Margin-3.1%
Revenue Growth-16.0%
Free Cash Flow$7M

Open Lending Corporation operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Open Lending Corporation’s (LPRO) StockRank?
MoatMap’s StockRank for Open Lending Corporation (LPRO) is 32/100, with a Sell signal. It is a composite of Quality (47), Value (22), and Momentum (51) factor ranks across MoatMap’s 19,000+ stock universe.
Does Open Lending Corporation have an economic moat?
Open Lending Corporation (LPRO) has a Quality factor score of 47/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Open Lending Corporation a buy, hold, or sell?
MoatMap’s current signal for Open Lending Corporation (LPRO) is Sell, based on a StockRank of 32/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Open Lending Corporation in?
Open Lending Corporation (LPRO) operates in the Financial Services sector, specifically the Credit Services industry (United States).
Browse all ranked stocksLPRO deep dive reportAI ChampionsHow we score stocksSense-check another stock