Open Lending Corp (LPRO)vsPayPal Holdings Inc (PYPL)
LPRO
Open Lending Corp
$2.11
-5.80%
FINANCIAL SERVICES · Cap: $249.44M
PYPL
PayPal Holdings Inc
$41.29
+2.31%
FINANCIAL SERVICES · Cap: $36.63B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 37670% more annual revenue ($33.73B vs $89.31M). PYPL leads profitability with a 15.0% profit margin vs -6.0%. PYPL earns a higher WallStSmart Score of 72/100 (B).
LPRO
Avoid22
out of 100
Grade: F
PYPL
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
No standout strengths identified
Attractively priced relative to earnings
Every $100 of equity generates 25 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
ROE of -7.0% — below average capital efficiency
Revenue declined 16.0%
Distress zone — elevated risk
Earnings declined 6.2%
Comparative Analysis Report
WallStSmart ResearchBull Case : LPRO
LPRO has a balanced fundamental profile.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. PEG of 0.75 suggests the stock is reasonably priced for its growth.
Bear Case : LPRO
The primary concerns for LPRO are Market Cap, Debt/Equity, Return on Equity.
Bear Case : PYPL
The primary concerns for PYPL are Altman Z-Score, EPS Growth.
Key Dynamics to Monitor
LPRO profiles as a turnaround stock while PYPL is a value play — different risk/reward profiles.
LPRO carries more volatility with a beta of 2.27 — expect wider price swings.
PYPL is growing revenue faster at 7.2% — sustainability is the question.
PYPL generates stronger free cash flow (911M), providing more financial flexibility.
Bottom Line
PYPL scores higher overall (72/100 vs 22/100). Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Open Lending Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Open Lending Corporation provides loan enablement and risk analysis solutions to credit unions, regional banks, and captive OEM finance companies in the United States. The company is headquartered in Austin, Texas.
PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
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