Open Lending Corp (LPRO)vsRoyal Bank of Canada (RY)
LPRO
Open Lending Corp
$1.77
-1.12%
FINANCIAL SERVICES · Cap: $207.47M
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 67939% more annual revenue ($63.42B vs $93.22M). RY leads profitability with a 33.1% profit margin vs -4.5%. RY earns a higher WallStSmart Score of 68/100 (B-).
LPRO
Avoid28
out of 100
Grade: F
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
3.0% revenue growth
Smaller company, higher risk/reward
Operating margin of 3.9%
ROE of -5.5% — below average capital efficiency
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : LPRO
The strongest argument for LPRO centers on Price/Book.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.
Bear Case : LPRO
The primary concerns for LPRO are Revenue Growth, Market Cap, Operating Margin.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
LPRO profiles as a turnaround stock while RY is a mature play — different risk/reward profiles.
LPRO carries more volatility with a beta of 2.02 — expect wider price swings.
RY is growing revenue faster at 7.5% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 28/100), backed by strong 33.1% margins. 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.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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