Open Lending Statistics

Total Valuation

Open Lending has a market cap or net worth of $211.61 million. The enterprise value is $123.04 million.

Market Cap	211.61M
Enterprise Value	123.04M

Important Dates

The next confirmed earnings date is Thursday, May 7, 2026, after market close.

Earnings Date	May 7, 2026
Ex-Dividend Date	n/a

Share Statistics

Open Lending has 118.22 million shares outstanding. The number of shares has decreased by -0.48% in one year.

Current Share Class	118.22M
Shares Outstanding	118.22M
Shares Change (YoY)	-0.48%
Shares Change (QoQ)	-0.06%
Owned by Insiders (%)	0.67%
Owned by Institutions (%)	52.98%
Float	89.29M

Valuation Ratios

PE Ratio	n/a
Forward PE	16.49
PS Ratio	2.27
Forward PS	2.05
PB Ratio	2.81
P/TBV Ratio	2.98
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	1.32
EV / EBITDA	19.52
EV / EBIT	20.53
EV / FCF	n/a

Financial Position

The company has a current ratio of 4.52, with a Debt / Equity ratio of 1.17.

Current Ratio	4.52
Quick Ratio	4.18
Debt / Equity	1.17
Debt / EBITDA	11.31
Debt / FCF	n/a
Interest Coverage	0.62

Financial Efficiency

Return on equity (ROE) is -5.54% and return on invested capital (ROIC) is 1.95%.

Return on Equity (ROE)	-5.54%
Return on Assets (ROA)	1.41%
Return on Invested Capital (ROIC)	1.95%
Return on Capital Employed (ROCE)	3.20%
Weighted Average Cost of Capital (WACC)	13.41%
Revenue Per Employee	$568,396
Profits Per Employee	-$25,829
Employee Count	164
Asset Turnover	0.35
Inventory Turnover	n/a

Taxes

Income Tax	-1.13M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +39.84% in the last 52 weeks. The beta is 2.02, so Open Lending's price volatility has been higher than the market average.

Beta (5Y)	2.02
52-Week Price Change	+39.84%
50-Day Moving Average	1.44
200-Day Moving Average	1.83
Relative Strength Index (RSI)	66.73
Average Volume (20 Days)	573,361

Short Selling Information

The latest short interest is 2.84 million, so 2.40% of the outstanding shares have been sold short.

Short Interest	2.84M
Short Previous Month	2.71M
Short % of Shares Out	2.40%
Short % of Float	3.18%
Short Ratio (days to cover)	4.47

Income Statement

In the last 12 months, Open Lending had revenue of $93.22 million and -$4.24 million in losses. Loss per share was -$0.04.

Revenue	93.22M
Gross Profit	71.66M
Operating Income	5.99M
Pretax Income	-5.37M
Net Income	-4.24M
EBITDA	6.30M
EBIT	5.99M
Loss Per Share	-$0.04

Full Income Statement

Balance Sheet

The company has $176.61 million in cash and $88.05 million in debt, giving a net cash position of $88.57 million or $0.75 per share.

Cash & Cash Equivalents	176.61M
Total Debt	88.05M
Net Cash	88.57M
Net Cash Per Share	$0.75
Equity (Book Value)	74.96M
Book Value Per Share	0.64
Working Capital	173.43M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -$3.19 million and capital expenditures -$56,000, giving a free cash flow of -$3.25 million.

Operating Cash Flow	-3.19M
Capital Expenditures	-56,000
Depreciation & Amortization	310,000
Net Borrowing	-55.50M
Free Cash Flow	-3.25M
FCF Per Share	-$0.03

Full Cash Flow Statement

Margins

Gross margin is 76.88%, with operating and profit margins of 6.43% and -4.54%.

Gross Margin	76.88%
Operating Margin	6.43%
Pretax Margin	-5.76%
Profit Margin	-4.54%
EBITDA Margin	6.76%
EBIT Margin	6.43%
FCF Margin	n/a

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	0.48%
Shareholder Yield	0.48%
Earnings Yield	-2.00%
FCF Yield	-1.54%

Analyst Forecast

The average price target for Open Lending is $2.58, which is 44.13% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$2.58
Price Target Difference	44.13%
Analyst Consensus	Strong Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock 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 0.55 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	0.55
Piotroski F-Score	5