Open Lending Statistics
Total Valuation
Open Lending has a market cap or net worth of $240.77 million. The enterprise value is $145.53 million.
Important Dates
The last earnings date was Wednesday, May 7, 2025, after market close.
| Earnings Date | May 7, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
Open Lending has 119.79 million shares outstanding. The number of shares has decreased by -0.96% in one year.
| Current Share Class | 119.79M |
| Shares Outstanding | 119.79M |
| Shares Change (YoY) | -0.96% |
| Shares Change (QoQ) | +0.25% |
| Owned by Insiders (%) | 0.98% |
| Owned by Institutions (%) | 37.38% |
| Float | 87.42M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 24.13 |
| PS Ratio | 11.75 |
| Forward PS | 1.95 |
| PB Ratio | 2.61 |
| P/TBV Ratio | 3.23 |
| P/FCF Ratio | 94.64 |
| P/OCF Ratio | 87.43 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 8.24 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 57.21 |
Financial Position
The company has a current ratio of 6.21, with a Debt / Equity ratio of 1.77.
| Current Ratio | 6.21 |
| Quick Ratio | 5.91 |
| Debt / Equity | 1.77 |
| Debt / EBITDA | n/a |
| Debt / FCF | 55.42 |
| Interest Coverage | -6.46 |
Financial Efficiency
Return on equity (ROE) is -95.74% and return on invested capital (ROIC) is -15.54%.
| Return on Equity (ROE) | -95.74% |
| Return on Assets (ROA) | -13.13% |
| Return on Invested Capital (ROIC) | -15.54% |
| Return on Capital Employed (ROCE) | -27.72% |
| Revenue Per Employee | $86,205 |
| Profits Per Employee | -$680,390 |
| Employee Count | 205 |
| Asset Turnover | 0.05 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Open Lending has paid $68.02 million in taxes.
| Income Tax | 68.02M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has decreased by -65.93% in the last 52 weeks. The beta is 1.79, so Open Lending's price volatility has been higher than the market average.
| Beta (5Y) | 1.79 |
| 52-Week Price Change | -65.93% |
| 50-Day Moving Average | 2.30 |
| 200-Day Moving Average | 4.92 |
| Relative Strength Index (RSI) | 61.62 |
| Average Volume (20 Days) | 3,307,489 |
Short Selling Information
The latest short interest is 3.43 million, so 2.86% of the outstanding shares have been sold short.
| Short Interest | 3.43M |
| Short Previous Month | 2.33M |
| Short % of Shares Out | 2.86% |
| Short % of Float | 3.92% |
| Short Ratio (days to cover) | 0.54 |
Income Statement
In the last 12 months, Open Lending had revenue of $17.67 million and -$139.48 million in losses. Loss per share was -$1.17.
| Revenue | 17.67M |
| Gross Profit | -6.52M |
| Operating Income | -71.94M |
| Pretax Income | 8.44M |
| Net Income | -139.48M |
| EBITDA | -71.49M |
| EBIT | -71.94M |
| Loss Per Share | -$1.17 |
Full Income StatementBalance Sheet
The company has $236.23 million in cash and $140.99 million in debt, giving a net cash position of $95.24 million or $0.80 per share.
| Cash & Cash Equivalents | 236.23M |
| Total Debt | 140.99M |
| Net Cash | 95.24M |
| Net Cash Per Share | $0.80 |
| Equity (Book Value) | 79.83M |
| Book Value Per Share | 0.67 |
| Working Capital | 233.09M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $2.75 million and capital expenditures -$210,000, giving a free cash flow of $2.54 million.
| Operating Cash Flow | 2.75M |
| Capital Expenditures | -210,000 |
| Free Cash Flow | 2.54M |
| FCF Per Share | $0.02 |
Full Cash Flow StatementMargins
| Gross Margin | -36.88% |
| Operating Margin | -407.08% |
| Pretax Margin | -404.35% |
| Profit Margin | n/a |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 14.40% |
Dividends & Yields
Open Lending does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | 0.96% |
| Shareholder Yield | 0.96% |
| Earnings Yield | -57.93% |
| FCF Yield | 1.06% |
Analyst Forecast
The average price target for Open Lending is $3.44, which is 71.14% higher than the current price. The consensus rating is "Buy".
| Price Target | $3.44 |
| Price Target Difference | 71.14% |
| Analyst Consensus | Buy |
| Analyst Count | 7 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsStock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
Open Lending has an Altman Z-Score of 0.48 and a Piotroski F-Score of 3. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 0.48 |
| Piotroski F-Score | 3 |