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ISIN
US68373J1043
CUSIP
68373J104
IPO Date
Mar 6, 2018

Highlights

Market Cap
$292.09M
Enterprise Value
$135.91M
EPS (TTM)
-$0.04
Total Revenue (TTM)
$89.32M
Gross Profit (TTM)
$67.73M
EBITDA (TTM)
-$1.99M
Year Range
$1.18 - $2.70
Target Price
$4.00
ROA (TTM)
-2.30%
ROE (TTM)
-7.05%

Share Price Chart


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Open Lending Corporation

Performance

LPRO Performance Chart

Open Lending Corporation (LPRO) is up 60.0% since the beginning of the year. At $2 per share, LPRO is trading 8.1% below its 52-week high of $3. Investors who bought $1,000 worth of LPRO shares 5 years ago would now be looking at an investment worth $63.


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S&P 500 Index

Returns By Period

Open Lending Corporation (LPRO) has returned 60.00% so far this year and 37.02% over the past 12 months.


Open Lending Corporation

1D
12.22%
1M
40.11%
YTD
60.00%
6M
34.05%
1Y
37.02%
3Y*
-38.32%
5Y*
-42.43%
10Y*

Benchmark (S&P 500 Index)

1D
0.13%
1M
5.25%
YTD
11.16%
6M
11.43%
1Y
28.20%
3Y*
21.12%
5Y*
12.66%
10Y*
13.75%
*Multi-year figures are annualized to reflect compound growth (CAGR)

LPRO Monthly Returns History

Based on dividend-adjusted daily data since Mar 6, 2018, LPRO's average daily return is +0.01%, while the average monthly return is +0.06%. At this rate, an investment would double in approximately 96.3 years.

Historically, 51% of months were positive and 49% were negative. The best month was Jun 2020 with a return of +46.9%, while the worst month was Apr 2025 at -55.1%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 7 months.

On a daily basis, LPRO closed higher 40% of trading days. The best single day was May 10, 2023 with a return of +24.6%, while the worst single day was Apr 1, 2025 at -57.6%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
202615.48%-25.70%-6.02%40.80%29.55%8.77%60.00%
20251.34%-19.34%-43.44%-55.07%44.35%8.38%12.89%-3.65%-0.00%-9.95%0.53%-18.85%-74.04%
2024-13.75%-1.09%-13.77%-18.53%26.86%-13.76%12.90%-8.57%6.25%-8.50%13.93%-6.43%-29.85%
202329.93%-19.27%-0.56%-0.14%44.24%3.65%7.42%-26.93%-11.27%-18.17%6.68%33.18%26.07%
2022-15.52%9.69%-9.22%-27.87%-3.52%-22.26%1.27%-6.27%-17.20%-10.82%-1.39%-4.53%-69.97%
20213.80%5.37%-7.37%10.25%-1.20%11.69%-11.81%-2.71%-2.43%-12.61%-26.27%-3.27%-35.70%

Benchmark Metrics

Open Lending Corporation has an annualized alpha of -11.26%, beta of 0.91, and R2 of 0.09 versus S&P 500 Index. Calculated based on daily prices since March 26, 2018.

  • This stock participated in 199.93% of S&P 500 Index downside but only 132.86% of its upside - more exposed to losses than it benefited from rallies.
  • R2 of 0.09 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
-11.26%
Beta
0.91
0.09
Upside Capture
132.86%
Downside Capture
199.93%

Return for Risk

Risk / Return Rank

LPRO ranks 56 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.


LPRO Risk / Return Rank: 5656
Overall Rank
LPRO Sharpe Ratio Rank: 5858
Sharpe Ratio Rank
LPRO Sortino Ratio Rank: 6060
Sortino Ratio Rank
LPRO Omega Ratio Rank: 5555
Omega Ratio Rank
LPRO Calmar Ratio Rank: 5555
Calmar Ratio Rank
LPRO Martin Ratio Rank: 5353
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for Open Lending Corporation (LPRO) and compare them to S&P 500 Index.


LPROBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

0.52

2.39

-1.87

Sortino ratio

Return per unit of downside risk

1.29

3.25

-1.96

Omega ratio

Gain probability vs. loss probability

1.14

1.43

-0.29

Calmar ratio

Return relative to maximum drawdown

0.68

3.11

-2.43

Martin ratio

Return relative to average drawdown

1.19

14.38

-13.19

Dividends

Dividend History


Open Lending Corporation doesn't pay dividends

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the Open Lending Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Open Lending Corporation was 98.06%, occurring on Apr 17, 2025. The portfolio has not yet recovered.

The current Open Lending Corporation drawdown is 94.24%.


Related event

Drawdown

Fall

Recovery

Underwater

2025 selloff2025
-98.06%Apr 2025
3y 9mo
4y 11moJul 2021 - now
2021 bear market2021
-22.04%Mar 2021
20d3mo 19d
4mo 9dFeb 2021 - Jun 2021
2021 correction2021
-18.31%Jan 2021
7d6d
13dJan 2021 - Feb 2021
2018 correction2018
-12.28%Aug 2018
0s1y 5mo
1y 5moAug 2018 - Feb 2020
2020 correction2020
-11.41%Dec 2020
9d8d
17dNov 2020 - Dec 2020

Drawdown Indicators


LPROBenchmarkDifference

Max Drawdown

Largest peak-to-trough decline

-98.06%

-56.78%

-41.28%

Max Drawdown (1Y)

Largest decline over 1 year

-54.55%

-9.10%

-45.45%

Max Drawdown (3Y)

Largest decline over 3 years

-92.77%

-18.90%

-73.87%

Max Drawdown (5Y)

Largest decline over 5 years

-98.06%

-25.43%

-72.63%

Max Drawdown (10Y)

Largest decline over 10 years

-33.92%

Current Drawdown

Current decline from peak

-94.24%

0.00%

-94.24%

Average Drawdown

Average peak-to-trough decline

-49.56%

-10.72%

-38.84%

Ulcer Index

Depth and duration of drawdowns from previous peaks

31.09%

1.97%

+29.12%

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of Open Lending Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how Open Lending Corporation is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for LPRO relative to other companies in the Credit Services industry. Currently, LPRO has a P/S ratio of 3.3. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for LPRO in comparison with other companies in the Credit Services industry. Currently, LPRO has a P/B value of 3.9. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
Portfolio Analyzer

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