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Upturn AI SWOT - About
LPRO 
Open Lending Corp (LPRO)
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Upturn Advisory Summary
04/01/2025: LPRO (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -69.1% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 139.64M USD | Price to earnings Ratio 29.25 | 1Y Target Price 5.21 |
Price to earnings Ratio 29.25 | 1Y Target Price 5.21 | ||
Volume (30-day avg) 1660723 | Beta 1.25 | 52 Weeks Range 1.11 - 6.97 | Updated Date 04/2/2025 |
52 Weeks Range 1.11 - 6.97 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.04 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) 138% |
Management Effectiveness
Return on Assets (TTM) -12.19% | Return on Equity (TTM) -95.19% |
Valuation
Trailing PE 29.25 | Forward PE 36.36 | Enterprise Value 224138002 | Price to Sales(TTM) 5.81 |
Enterprise Value 224138002 | Price to Sales(TTM) 5.81 | ||
Enterprise Value to Revenue 2.34 | Enterprise Value to EBITDA 11.84 | Shares Outstanding 119350000 | Shares Floating 91613220 |
Shares Outstanding 119350000 | Shares Floating 91613220 | ||
Percent Insiders 2.77 | Percent Institutions 83.55 |
Analyst Ratings
Rating 4 | Target Price 7.38 | Buy 3 | Strong Buy 3 |
Buy 3 | Strong Buy 3 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Open Lending Corp
Company Overview
History and Background
Open Lending Corp. was founded in 2000. It developed a risk-based pricing model and technology platform for automotive lenders to facilitate near-prime auto lending.
Core Business Areas
- Lender Enablement Platform: Provides a technology platform that helps lenders originate and manage near-prime auto loans.
- Loan Analytics and Risk Modeling: Offers data analytics and risk assessment tools to help lenders make informed lending decisions.
Leadership and Structure
John Flynn serves as the Chairman and CEO. The company has a typical corporate structure with departments such as sales, marketing, technology, and finance.
Top Products and Market Share
Key Offerings
- Lender Enablement Platform: This platform uses proprietary data and analytics to help lenders originate and price near-prime auto loans. Market share data is difficult to obtain precisely, but Open Lending facilitates a significant portion of near-prime auto lending volume. Competitors include other fintech companies providing lending solutions and internal lending departments within larger financial institutions. It contributed to about 95% of total revenues in 2023.
Market Dynamics
Industry Overview
The automotive lending industry is large and competitive, with a growing focus on technology and data analytics. The near-prime segment represents a significant opportunity, but also carries higher risk.
Positioning
Open Lending is positioned as a leading provider of technology and analytics solutions for near-prime auto lending, helping lenders to increase loan volume and profitability while managing risk.
Total Addressable Market (TAM)
The TAM for near-prime auto lending is estimated to be substantial, potentially exceeding $200 billion annually. Open Lending aims to capture a larger share of this market by expanding its lender network and product offerings.
Upturn SWOT Analysis
Strengths
- Proprietary risk-based pricing model
- Established relationships with lenders
- Strong data analytics capabilities
- Experienced management team
Weaknesses
- Dependence on the automotive lending market
- Sensitivity to economic conditions
- Competition from other fintech companies
Opportunities
- Expansion into new markets and geographies
- Development of new products and services
- Partnerships with other financial institutions
- Increased adoption of technology in auto lending
Threats
- Economic downturn
- Increased competition
- Changes in regulatory environment
- Technological disruption
Competitors and Market Share
Key Competitors
- FICO (FICO)
- TransUnion (TRU)
- Equifax (EFX)
Competitive Landscape
Open Lending's advantage lies in its niche focus on near-prime auto lending and its proprietary risk-based pricing model. Disadvantages include its smaller size and limited brand recognition compared to larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Open Lending has experienced strong growth in the past, driven by increasing demand for its solutions. However, recent growth has slowed due to macroeconomic headwinds.
Future Projections: Analysts project moderate growth for Open Lending in the coming years, driven by continued adoption of its platform and expansion into new markets.
Recent Initiatives: Recent initiatives include expanding partnerships with lenders, enhancing its technology platform, and exploring new product offerings.
Summary
Open Lending Corp. provides a valuable service to lenders in the near-prime auto loan market. Its risk-based pricing model is a key strength, but dependence on the automotive lending market creates vulnerability. Recent financial performance has been weak, and competition is increasing. The company needs to focus on innovation and market expansion to maintain its competitive edge.
Similar Companies
ALLY
Ally Financial Inc
ALLY
Ally Financial Inc
EFX
Equifax Inc
EFX
Equifax Inc
FICO
Fair Isaac Corporation
FICO
Fair Isaac Corporation
TRU
TransUnion
TRU
TransUnion
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Investor presentations
- Analyst reports
- Company Website
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Open Lending Corp
Exchange NASDAQ | Headquaters Austin, TX, United States | ||
IPO Launch date 2018-03-06 | CEO - | ||
Sector Financial Services | Industry Credit Services | Full time employees 205 | Website https://www.openlending.com |
Full time employees 205 | Website https://www.openlending.com | ||
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 platform (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 headquartered in Austin, Texas.
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