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Open Lending Corp (NASDAQ:LPRO)
1.265 USD
+0.095 8.120%Sponsored Reports
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| Previous Close (in USD) | 1.17 |
|---|---|
| Change | +0.095 8.120% |
| 52 W H/L (in USD) | 11.730/4.570 |
| EBITDA (in USD) | 20.589M |
| PE Ratio | 52.17 |
| Volume | 5595118 |
| Diluted Eps TTM | 0.12 |
| Total Assets (in USD) | 374.037M |
|---|---|
| Total Liabilities (in USD) | 168.457M |
| Revenue TTM (in USD) | 109.844M |
| Cash (in USD) | 246.669M |
| Market Cap (in USD) | 745.973 M |
| Revenue Per Share TTM | 0.917 |
| Gross Profit TTM (in USD) | 159.626M |
Summary
Income Statement
Balance Sheet
Change in Cash
Operating Cash
Dividend Paid
Open Lending Corp
Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, finance companies, and captive finance companies of automakers in the United States. The company offers Lenders Protection Program (LPP), which is a cloud-based automotive lending platform that provides loan analytics solutions and automated issuance of credit default insurance with third-party insurance providers. Its LPP products include loan analytics, risk-based loan pricing, risk modeling, and automated decision technology for automotive lenders. Open Lending Corporation was founded in 2000 and is based in Austin, Texas.
1501 South Mopac Expressway, Austin, TX, United States, 78746
512 892 0400
Employees: 210
Key Executives
| Sr. No. | Name | Title | Year Born |
|---|---|---|---|
| 1. | Mr. Charles D. Jehl | Exec. VP, CFO & Treasurer | 1968 |
| 2. | Mr. Keith A. Jezek | CEO & Director | 1964 |
| 3. | Mr. Richard F. Watkins | Founder | NA |
| 4. | Ms. Jill Tyson | Sr. VP of Operations | NA |
| 5. | Ms. Cecilia Camarillo | Chief Accounting Officer | 1968 |
| 6. | Ms. Sarah Lackey | Chief Technology Officer | 1983 |
| 7. | Mr. Thinh Nguyen | Chief Information Officer | NA |
| 8. | Mr. Matthew S. Stark | Exec. VP, Gen. Counsel & Corp. Sec. | 1973 |
| 9. | Ms. Simona Fillarini | Chief HR Officer | NA |
| 10. | Mr. Matthew R. Roe | Chief Revenue Officer | 1983 |
Peers
Sector: Financial Services
Industry: Credit Services
| Company | Change (USD) | Price (USD) | Trailing PE(x) | Forward PE(x) | Price Sales TTM(x) | Price to Book Value(x) | Enterprise Value to Revenue(x) | Enterprise Value to EBITDA(x) |
|
V
Visa Inc. Class A |
+0.620 0.179% | 343.44 | 31.250 | 25.974 | 16.183 | 13.642 | 16.193 | 23.371 |
|
MA
Mastercard Inc |
-1.640 0.299% | 542.86 | 37.040 | 29.499 | 16.143 | 62.352 | 16.474 | 27.236 |
|
AXP
American Express Company |
+4.835 1.788% | 266.89 | 21.830 | 20.040 | 3.529 | 7.208 | 4.178 | 0.000 |
|
PYPL
PayPal Holdings Inc |
+1.290 1.952% | 65.25 | 21.960 | 18.692 | 2.926 | 4.563 | 2.864 | 12.637 |
Income Statement
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Income Before Tax | 93.54M | 191.168M | -90.991M | 62.514M | 28.316M |
| Minority Interest | - | - | - | - | - |
| Net Income | 66.62M | 146.082M | -97.564M | 62.544M | 28.279M |
| Selling General Administrative | 35.95M | 30.393M | 32.584M | 13.774M | 12.125M |
| Gross Profit | 159.626M | 197.034M | 99.106M | 85.041M | 47.589M |
| Reconciled Depreciation | 1.339M | 1.122M | 1.768M | 0.105M | 0.08M |
| Ebit | 97.615M | 205.805M | 56.717M | 62.615M | 28.657M |
| Ebitda | 100.711M | 206.927M | 54.31M | 62.941M | 28.737M |
| Depreciation And Amortization | 3.096M | 1.122M | -2.407M | 0.326M | 0.08M |
| Operating Income | 97.615M | 205.805M | 56.717M | 62.615M | 28.474M |
| Other Operating Expenses | 81.979M | 65.366M | 52.175M | 30.232M | 23.718M |
| Interest Expense | 5.832M | 5.859M | 11.601M | 0.322M | 0.341M |
| Tax Provision | 26.92M | 45.086M | 6.573M | 1.002M | 0.816M |
| Interest Income | 1.995M | 0.213M | 0.202M | 5.845M | 4.084M |
| Net Interest Income | -3.837M | -5.646M | -11.399M | -0.298M | -0.328M |
| Income Tax Expense | 26.92M | 45.086M | 6.573M | -0.03M | 0.037M |
| Total Revenue | 179.594M | 215.655M | 108.892M | 92.847M | 52.192M |
| Total Operating Expenses | 62.011M | 46.745M | 42.389M | 22.426M | 19.115M |
| Cost Of Revenue | 19.968M | 18.621M | 9.786M | 7.806M | 4.603M |
| Total Other Income Expense Net | -4.075M | -14.637M | -147.708M | -0.101M | 0.17M |
| Net Income From Continuing Ops | 66.62M | 146.082M | -97.564M | 62.544M | 28.279M |
| Net Income Applicable To Common Shares | 66.62M | 146.082M | -90.716M | -111.939M | -44.098M |
Balance Sheet
(Currency in USD)| Breakdown | 31-12-2023 | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 |
|---|---|---|---|---|---|
| Total Assets | 374.037M | 379.631M | 318.825M | 294.009M | 79.186M |
| Intangible Assets | - | - | - | - | - |
| Other Current Assets | 2.852M | 2.361M | 2.394M | 2.018M | 0.205M |
| Total Liab | 168.457M | 166.807M | 159.843M | 267.387M | 313.965M |
| Total Stockholder Equity | 205.58M | 212.824M | 158.982M | 26.622M | -234.779M |
| Other Current Liab | 15.527M | 11.069M | 3.671M | 2.779M | 2.366M |
| Common Stock | 1.282M | 1.282M | 1.282M | 1.282M | 0.376M |
| Capital Stock | 1.282M | 1.282M | 1.282M | 1.282M | 0.376M |
| Retained Earnings | -193.749M | -215.819M | -282.439M | -428.406M | -242.781M |
| Good Will | - | - | - | - | - |
| Other Assets | - | 91.704M | 108.179M | 124.298M | 33.675M |
| Cash | 246.669M | 204.45M | 116.454M | 101.513M | 7.676M |
| Cash And Equivalents | - | - | - | - | - |
| Total Current Liabilities | 20.59M | 15.107M | 12.065M | 17.008M | 8.193M |
| Current Deferred Revenue | - | - | 3.984M | 5.535M | 2.006M |
| Net Debt | -99.174M | -52.935M | 34.449M | 61.736M | -4.363M |
| Short Term Debt | 4.688M | 3.75M | 3.125M | 5.252M | 2.484M |
| Short Long Term Debt | 4.688M | 3.75M | 3.125M | 4.888M | 2.484M |
| Short Long Term Debt Total | 147.495M | 151.515M | 150.903M | 163.249M | 3.313M |
| Other Stockholder Equity | 398.047M | 427.361M | 440.139M | 453.746M | 7.626M |
| Property Plant Equipment | - | 7.183M | 7.852M | 6.934M | 0.299M |
| Total Current Assets | 289.876M | 280.744M | 202.794M | 162.777M | 45.212M |
| Long Term Investments | - | - | - | - | - |
| Short Term Investments | - | - | - | - | - |
| Net Receivables | 40.355M | 69.864M | 78.412M | 54.738M | 33.549M |
| Long Term Debt | 139.357M | 143.683M | 143.135M | 152.859M | 0.829M |
| Inventory | 0M | 4.069M | 5.534M | 4.508M | 3.782M |
| Accounts Payable | 0.375M | 0.288M | 1.285M | 3.442M | 1.337M |
| Accumulated Other Comprehensive Income | 0M | - | - | - | -0.339M |
| Non Currrent Assets Other | 5.535M | 26.576M | 42.676M | 39.08M | 33.675M |
| Non Current Assets Total | 84.161M | 98.887M | 116.031M | 131.232M | 33.974M |
| Capital Lease Obligations | 4.082M | 4.082M | 4.643M | 5.502M | 0M |
| Long Term Debt Total | - | - | 143.135M | 152.859M | - |
Cash Flow
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Investments | -0.624M | -1.987M | -1.196M | -0.099M | -0.106M |
| Total Cashflows From Investing Activities | -0.624M | -1.987M | -1.196M | -0.099M | -0.106M |
| Total Cash From Financing Activities | -17.797M | -77.808M | 70.806M | -44.901M | -21.376M |
| Net Income | 66.62M | 146.082M | -97.564M | 62.544M | 28.279M |
| Change In Cash | 89.01M | 15.361M | 94.25M | -3.238M | 7.119M |
| Begin Period Cash Flow | 119.509M | 104.148M | 9.898M | 13.136M | 6.017M |
| End Period Cash Flow | 208.519M | 119.509M | 104.148M | 9.898M | 13.136M |
| Total Cash From Operating Activities | 107.431M | 95.156M | 24.64M | 41.762M | 28.601M |
| Depreciation | 1.339M | 1.122M | 1.768M | 0.105M | 0.08M |
| Other Cashflows From Investing Activities | - | - | - | 2.94M | -274.24M |
| Dividends Paid | 0M | 0M | -135.598M | -42.401M | 18.876M |
| Change To Inventory | - | -25.03M | -20.03M | - | 0.36M |
| Sale Purchase Of Stock | -18.018M | -20M | -37.5M | 0M | 269.19M |
| Other Cashflows From Financing Activities | 148.815M | 136.383M | -24.924M | -0.099M | -0.106M |
| Capital Expenditures | 0.624M | 1.987M | 1.196M | 0.099M | 0.106M |
| Change In Working Capital | 33.069M | -29.818M | -19.058M | -22.963M | -2.317M |
| Other Non Cash Items | 0.579M | -46.1M | 131.932M | 0.092M | 0.03M |
| Free Cash Flow | 106.807M | 93.169M | 23.444M | 41.663M | 28.495M |
Funds
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | T. Rowe Price US Mid-Cap Value Equity | 1 year ago | 6122008 |
| 2. | T. Rowe Price Mid-Cap Value | 1 year ago | 6122008 |
| 3. | Wasatch Core Growth | 1 year ago | 4041002 |
| 4. | T. Rowe Price U.S. Mid-Cap Val Eq Tr-Z | 1 year ago | 3051239 |
| 5. | Vanguard Total Stock Mkt Idx Inv | 11 months ago | 2975078 |
| 6. | Vanguard Small Cap Index | 11 months ago | 2436312 |
| 7. | iShares Russell 2000 ETF | 11 months ago | 2309158 |
| 8. | Wasatch Ultra Growth | 1 year ago | 1904300 |
| 9. | Wasatch Small Cap Value | 1 year ago | 1755786 |
| 10. | Vanguard Institutional Extnd Mkt Idx Tr | 11 months ago | 1500537 |
| 11. | Vanguard Small Cap Growth Index Inv | 11 months ago | 1376932 |
| 12. | Wasatch Micro Cap | 1 year ago | 1039885 |
| 13. | Fidelity Small Cap Index | 1 year ago | 1015572 |
| 14. | Buffalo Small Cap | 1 year ago | 967905 |
| 15. | Kornitzer Small Cap Equity | 1 year ago | 967905 |
| 16. | Invesco Global Opportunities A | 1 year ago | 803148 |
| 17. | Invesco Global Multi Cap Growth | 1 year ago | 803148 |
| 18. | iShares Russell 2000 Growth ETF | 11 months ago | 784974 |
| 19. | JHFunds2 Mid Value NAV | 1 year ago | 666800 |
| 20. | State St Russell Sm/Mid Cp® Indx NL Cl C | 11 months ago | 614308 |
Institutions
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | Wasatch Advisors LP | 1 year ago | 16094115 |
| 2. | T. Rowe Price Associates, Inc. | 1 year ago | 10756601 |
| 3. | Vanguard Group Inc | 1 year ago | 9444711 |
| 4. | True Wind Capital Management, L.P. | 1 year ago | 7545144 |
| 5. | Working Capital Advisors (UK) Ltd. | 1 year ago | 7463991 |
| 6. | BlackRock Inc | 1 year ago | 7333212 |
| 7. | Cannell Capital LLC | 1 year ago | 2498809 |
| 8. | State Street Corporation | 1 year ago | 2403617 |
| 9. | Geode Capital Management, LLC | 1 year ago | 2147975 |
| 10. | Dimensional Fund Advisors, Inc. | 1 year ago | 1973562 |
| 11. | Kornitzer Capital Management Inc | 1 year ago | 1482850 |
| 12. | Northern Trust Corp | 1 year ago | 908239 |
| 13. | Raymond James & Associates | 1 year ago | 839990 |
| 14. | Goldman Sachs Group Inc | 1 year ago | 832340 |
| 15. | Charles Schwab Investment Management Inc | 1 year ago | 787519 |
| 16. | JPMorgan Chase & Co | 1 year ago | 729533 |
| 17. | NORGES BANK | 1 year ago | 666394 |
| 18. | Renaissance Technologies Corp | 1 year ago | 642425 |
| 19. | Two Sigma Advisers, LLC | 1 year ago | 601000 |
| 20. | Morgan Stanley - Brokerage Accounts | 1 year ago | 481315 |
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