Open Lending Corp Stock Buy Hold or Sell Recommendation
| LPRO Stock | USD 6.13 0.01 0.16% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Open Lending Corp is 'Cautious Hold'. The recommendation algorithm takes into account all of Open Lending's available fundamental, technical, and predictive indicators you will find on this site.
Check out Open Lending Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. In addition, we conduct extensive research on individual companies such as Open and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards Open Lending Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.
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The Open recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Open Lending Corp. Macroaxis does not own or have any residual interests in Open Lending Corp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Open Lending's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Cautious Hold
Market Performance | Insignificant | Details | |
Volatility | Slightly risky | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Open Lending Trading Alerts and Improvement Suggestions
| Open Lending Corp had very high historical volatility over the last 90 days | |
| Over 84.0% of the company shares are owned by institutional investors | |
| Latest headline from businesswire.com: Open Lending Achieves Milestone of One Million Certified Loans |
Open Lending Returns Distribution Density
The distribution of Open Lending's historical returns is an attempt to chart the uncertainty of Open Lending's future price movements. The chart of the probability distribution of Open Lending daily returns describes the distribution of returns around its average expected value. We use Open Lending Corp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Open Lending returns is essential to provide solid investment advice for Open Lending.
| Mean Return | 0.21 | Value At Risk | -4.82 | Potential Upside | 5.97 | Standard Deviation | 3.26 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Open Lending historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Open Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument, such as Open Lending, soars without any apparent reason. This usually happens because many institutional investors are aggressively trading Open Lending Corp back and forth among themselves. Companies that invest excess capital in these types of assets may also be included in this term and can influence corporate governance by exercising voting rights in their investments.
| Shares | Jpmorgan Chase & Co | 2024-09-30 | 1 M | Kornitzer Capital Management Inc | 2024-09-30 | 918 K | Northern Trust Corp | 2024-09-30 | 874.9 K | Charles Schwab Investment Management Inc | 2024-09-30 | 841.9 K | Goldman Sachs Group Inc | 2024-09-30 | 813.8 K | Palogic Value Management Lp | 2024-09-30 | 725 K | Raymond James & Associates | 2024-09-30 | 715.4 K | Renaissance Technologies Corp | 2024-09-30 | 620.9 K | Cresset Asset Management, Llc | 2024-09-30 | 550.6 K | Wasatch Advisors Lp | 2024-09-30 | 16.6 M | T. Rowe Price Associates, Inc. | 2024-09-30 | 11.7 M |
Open Lending Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | (3.2M) | 94.3M | 15.4M | 89.0M | 38.2M | 37.7M | |
| Free Cash Flow | 41.7M | 23.4M | 93.2M | 106.8M | 80.5M | 60.8M | |
| Depreciation | 105K | 1.8M | 1.1M | 1.3M | 1.2M | 878.9K | |
| Other Non Cash Items | 92K | 131.9M | (46.1M) | 579K | 1.1M | 1.0M | |
| Capital Expenditures | 99K | 1.2M | 2.0M | 624K | 2.2M | 2.3M | |
| Net Income | 62.5M | (97.6M) | 146.1M | 66.6M | 22.1M | 38.3M | |
| End Period Cash Flow | 9.9M | 104.1M | 119.5M | 208.5M | 246.7M | 259.0M | |
| Change To Netincome | 2.1M | 139.5M | (22.8M) | 6.4M | 7.4M | 7.0M | |
| Investments | (99K) | (1.2M) | (2.0M) | (624K) | (1.6M) | (1.5M) |
Open Lending Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Open Lending or Capital Markets sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Open Lending's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Open stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.05 | |
β | Beta against Dow Jones | 1.34 | |
σ | Overall volatility | 3.31 | |
Ir | Information ratio | 0.03 |
Open Lending Volatility Alert
Open Lending Corp shows above-average downside volatility for the selected time horizon. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Open Lending's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Open Lending's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Open Lending Fundamentals Vs Peers
Comparing Open Lending's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Open Lending's direct or indirect competition across all of the common fundamentals between Open Lending and the related equities. This way, we can detect undervalued stocks with similar characteristics as Open Lending or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Open Lending's fundamental indicators could also be used in its relative valuation, which is a method of valuing Open Lending by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Open Lending to competition |
| Fundamentals | Open Lending | Peer Average |
| Return On Equity | 0.0211 | -0.31 |
| Return On Asset | 0.0079 | -0.14 |
| Profit Margin | 0.05 % | (1.27) % |
| Operating Margin | 0.08 % | (5.51) % |
| Current Valuation | 637.09 M | 16.62 B |
| Shares Outstanding | 119.35 M | 571.82 M |
| Shares Owned By Insiders | 2.69 % | 10.09 % |
| Shares Owned By Institutions | 84.50 % | 39.21 % |
| Number Of Shares Shorted | 3.24 M | 4.71 M |
| Price To Earning | 6.62 X | 28.72 X |
| Price To Book | 3.37 X | 9.51 X |
| Price To Sales | 7.74 X | 11.42 X |
| Revenue | 117.46 M | 9.43 B |
| Gross Profit | 159.63 M | 27.38 B |
| EBITDA | 41.3 M | 3.9 B |
| Net Income | 22.07 M | 570.98 M |
| Cash And Equivalents | 167.7 M | 2.7 B |
| Cash Per Share | 1.33 X | 5.01 X |
| Total Debt | 148.13 M | 5.32 B |
| Debt To Equity | 0.72 % | 48.70 % |
| Current Ratio | 18.48 X | 2.16 X |
| Book Value Per Share | 1.85 X | 1.93 K |
| Cash Flow From Operations | 82.66 M | 971.22 M |
| Short Ratio | 8.09 X | 4.00 X |
| Earnings Per Share | 0.04 X | 3.12 X |
| Price To Earnings To Growth | 0.21 X | 4.89 X |
| Target Price | 7.25 | |
| Number Of Employees | 210 | 18.84 K |
| Beta | 1.13 | -0.15 |
| Market Capitalization | 742.36 M | 19.03 B |
| Total Asset | 374.04 M | 29.47 B |
| Retained Earnings | (193.75 M) | 9.33 B |
| Working Capital | 269.29 M | 1.48 B |
Note: Disposition of 43210 shares by Charles Jehl of Open Lending at 5.71 subject to Rule 16b-3 [view details]
Open Lending Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Open . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 7328.39 | |||
| Daily Balance Of Power | 0.05 | |||
| Rate Of Daily Change | 1.0 | |||
| Day Median Price | 6.12 | |||
| Day Typical Price | 6.12 | |||
| Price Action Indicator | 0.015 | |||
| Period Momentum Indicator | 0.01 |
About Open Lending Buy or Sell Advice
When is the right time to buy or sell Open Lending Corp? Buying financial instruments such as Open Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Check out Open Lending Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. You can also try the Equity Valuation module to check real value of public entities based on technical and fundamental data.
Is Diversified Capital Markets space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Open Lending. If investors know Open will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Open Lending listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.50) | Earnings Share 0.04 | Revenue Per Share 0.805 | Quarterly Revenue Growth (0.1) | Return On Assets 0.0079 |
The market value of Open Lending Corp is measured differently than its book value, which is the value of Open that is recorded on the company's balance sheet. Investors also form their own opinion of Open Lending's value that differs from its market value or its book value, called intrinsic value, which is Open Lending's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Open Lending's market value can be influenced by many factors that don't directly affect Open Lending's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Open Lending's value and its price as these two are different measures arrived at by different means. Investors typically determine if Open Lending is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Open Lending's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.