Open Lending Corp (LPRO) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Open Lending Corp stock (LPRO) is currently trading at $1.26. Open Lending Corp PS ratio (Price-to-Sales) is 1.74. Analyst consensus price target for LPRO is $2.30. WallStSmart rates LPRO as Sell.
- LPRO PE ratio analysis and historical PE chart
- LPRO PS ratio (Price-to-Sales) history and trend
- LPRO intrinsic value — DCF, Graham Number, EPV models
- LPRO stock price prediction 2025 2026 2027 2028 2029 2030
- LPRO fair value vs current price
- LPRO insider transactions and insider buying
- Is LPRO undervalued or overvalued?
- Open Lending Corp financial analysis — revenue, earnings, cash flow
- LPRO Piotroski F-Score and Altman Z-Score
- LPRO analyst price target and Smart Rating
Open Lending Corp
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Smart Analysis
Open Lending Corp (LPRO) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, institutional own.. Concerns around market cap and return on equity. Significant fundamental concerns warrant caution or avoidance.
Open Lending Corp (LPRO) Key Strengths (2)
76.61% of shares held by major funds and institutions
Paying $1.74 for every $1 of annual revenue
Supporting Valuation Data
Open Lending Corp (LPRO) Areas to Watch (7)
Company is destroying shareholder value
Earnings declining -56.50%, profits shrinking
Company is losing money with a negative profit margin
Near-zero operating margins, business under pressure
Revenue growing slowly at 3.00% annually
Micro-cap company with very limited liquidity and high volatility
Fairly priced relative to book value
Open Lending Corp (LPRO) Detailed Analysis Report
Overall Assessment
This company scores 30/100 in our Smart Analysis, earning a F grade. Out of 9 metrics analyzed, 2 register as strengths (avg 9.0/10) while 7 fall into concern territory (avg 1.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Institutional Own., Price/Sales. Valuation metrics including Price/Sales (1.74) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Return on Equity, EPS Growth, Profit Margin. Some valuation metrics including Price/Book (2.09) suggest expensive pricing. Growth concerns include Revenue Growth at 3.00%, EPS Growth at -56.50%, which may limit upside. Profitability pressure is visible in Return on Equity at -5.54%, Operating Margin at 3.91%, Profit Margin at -4.54%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -5.54% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 3.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and EPS Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
LPRO Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
LPRO's Price-to-Sales ratio of 1.74x trades at a deep discount to its historical average of 6.08x (0th percentile). The current valuation is 81% below its historical high of 9.34x set in Mar 2026, and 0% above its historical low of 1.74x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~9.3x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Open Lending Corp (LPRO) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Open Lending Corp is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 93M with 300% growth year-over-year. The company is currently unprofitable, posting a -454.0% profit margin.
Key Findings
Revenue growing at 300% YoY, reaching 93M. This pace significantly outperforms most CREDIT SERVICES peers.
Generating 5M in free cash flow and 5M in operating cash flow. Earnings are translating into actual cash generation.
The company is unprofitable with a -454.0% profit margin. The path to breakeven will be the key catalyst.
Earnings fell 56% YoY while revenue grew 300%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Growth sustainability: can Open Lending Corp maintain 300%+ revenue growth, or will competition slow it down?
Volatility is elevated with a beta of 2.08, so expect amplified moves relative to the broader market.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Open Lending Corp.
Bottom Line
Open Lending Corp is a high-conviction growth story with revenue accelerating at 300% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin -454.0% margins and premium valuation suggest patience until the unit economics mature further.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Open Lending Corp(LPRO)
NASDAQ
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.