Open Lending Valuation
| LPRO Stock | USD 6.13 0.01 0.16% |
At this time, the company appears to be undervalued. Open Lending Corp holds a recent Real Value of $7.12 per share. The prevailing price of the company is $6.13. Our model determines the value of Open Lending Corp from analyzing the company fundamentals such as Operating Margin of 0.08 %, return on equity of 0.0211, and Shares Outstanding of 119.35 M as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Open Lending's valuation include:
Price Book 3.3673 | Enterprise Value 637.1 M | Enterprise Value Ebitda 33.6514 | Price Sales 7.742 | Forward PE 47.8469 |
Undervalued
Today
Please note that Open Lending's price fluctuation is slightly risky at this time. Calculation of the real value of Open Lending Corp is based on 3 months time horizon. Increasing Open Lending's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Open Lending is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Open Stock. However, Open Lending's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 6.13 | Real 7.12 | Target 11.1 | Hype 6.13 | Naive 6.14 |
The intrinsic value of Open Lending's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Open Lending's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Open Lending Corp helps investors to forecast how Open stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Open Lending more accurately as focusing exclusively on Open Lending's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Open Lending's intrinsic value based on its ongoing forecasts of Open Lending's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Open Lending's closest peers.
Open Lending Cash |
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Open Valuation Trend
Knowing Open Lending's actual value is paramount for traders when making sound investment determinations. Using both Open Lending's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
Open Revenue by Product
Open Lending Total Value Analysis
Open Lending Corp is now projected to have valuation of 637.09 M with market capitalization of 742.36 M, debt of 148.13 M, and cash on hands of 167.7 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Open Lending fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
637.09 M | 742.36 M | 148.13 M | 167.7 M |
Open Lending Investor Information
About 84.0% of the company shares are owned by institutional investors. The book value of Open Lending was now reported as 1.85. The company has Price/Earnings To Growth (PEG) ratio of 0.21. Open Lending Corp had not issued any dividends in recent years. Open Lending Corp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in January.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Total Cash From Operating Activities | 61.8 M | 82.7 M |
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Open Lending Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The recent return on assets of Open suggests not a very effective usage of assets in December.Open Lending Ownership Allocation
Open Lending owns a total of 119.35 Million outstanding shares. The majority of Open Lending Corp outstanding shares are owned by third-party entities. These institutional holders are usually referred to as non-private investors looking to secure positions in Open Lending Corp to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Open Lending. Please pay attention to any change in the institutional holdings of Open Lending Corp as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company maintains, if the real value of the company is less than the current market value, you may not be able to make money on it.Open Lending Profitability Analysis
The company reported the previous year's revenue of 117.46 M. Net Income was 22.07 M with profit before overhead, payroll, taxes, and interest of 159.63 M.About Open Lending Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Open Lending Corp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Open Lending Corp based exclusively on its fundamental and basic technical indicators. By analyzing Open Lending's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Open Lending's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Open Lending. We calculate exposure to Open Lending's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Open Lending's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 95.2 M | 125.3 M | |
| Pretax Profit Margin | 0.25 | 0.23 | |
| Operating Profit Margin | 0.25 | 0.40 | |
| Net Profit Margin | 0.19 | 0.18 | |
| Gross Profit Margin | 0.81 | 0.98 |
Open Lending Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 121.5 M | |
| Quarterly Earnings Growth Y O Y | -0.5 | |
| Forward Price Earnings | 47.8469 |
Open Lending Current Valuation Indicators
Open Lending's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Open Lending's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Open Lending, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Open Lending's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Open Lending's worth.When determining whether Open Lending Corp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Open Lending's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Open Lending Corp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Open Lending Corp Stock: Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in 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. You can also try the Alpha Finder module to use alpha and beta coefficients to find investment opportunities after accounting for the risk.
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.