- ISIN
- US68373J1043
- CUSIP
- 68373J104
- Sector
- Financial Services
- Industry
- Credit Services
- 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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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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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%
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%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 15.48% | -25.70% | -6.02% | 40.80% | 29.55% | 8.77% | 60.00% | ||||||
| 2025 | 1.34% | -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% |
| 2023 | 29.93% | -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% |
| 2021 | 3.80% | 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
- R²
- 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.
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.
| LPRO | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.52 | 2.39 | -1.87 |
Sortino ratioReturn per unit of downside risk | 1.29 | 3.25 | -1.96 |
Omega ratioGain probability vs. loss probability | 1.14 | 1.43 | -0.29 |
Calmar ratioReturn relative to maximum drawdown | 0.68 | 3.11 | -2.43 |
Martin ratioReturn relative to average drawdown | 1.19 | 14.38 | -13.19 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Dividends
Dividend History
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 | 20d | 3mo 19d | 4mo 9dFeb 2021 - Jun 2021 |
2021 correction2021 | -18.31%Jan 2021 | 7d | 6d | 13dJan 2021 - Feb 2021 |
2018 correction2018 | -12.28%Aug 2018 | 0s | 1y 5mo | 1y 5moAug 2018 - Feb 2020 |
2020 correction2020 | -11.41%Dec 2020 | 9d | 8d | 17dNov 2020 - Dec 2020 |
Drawdown Indicators
| LPRO | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest 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 DrawdownCurrent decline from peak | -94.24% | 0.00% | -94.24% |
Average DrawdownAverage peak-to-trough decline | -49.56% | -10.72% | -38.84% |
Ulcer IndexDepth 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.
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 | — |
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