LPRO Relative Valuation
LPRO's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, LPRO is overvalued; if below, it's undervalued.
Historical Valuation
Open Lending Corp (LPRO) is now in the Fair zone, suggesting that its current forward PE ratio of 18.79 is considered Fairly compared with the five-year average of 28.75. The fair price of Open Lending Corp (LPRO) is between 1.78 to 3.31 according to relative valuation methord.
Relative Value
Fair Zone
1.78-3.31
Current Price：1.86
Fair
18.69
PE
1Y
3Y
5Y
Trailing
Forward
5.92
EV/EBITDA
Open Lending Corp. (LPRO) has a current EV/EBITDA of 5.92. The 5-year average EV/EBITDA is 15.52. The thresholds are as follows: Strongly Undervalued below -1.52, Undervalued between -1.52 and 7.00, Fairly Valued between 24.04 and 7.00, Overvalued between 24.04 and 32.57, and Strongly Overvalued above 32.57. The current Forward EV/EBITDA of 5.92 falls within the Undervalued range.
9.65
EV/EBIT
Open Lending Corp. (LPRO) has a current EV/EBIT of 9.65. The 5-year average EV/EBIT is 19.68. The thresholds are as follows: Strongly Undervalued below 3.92, Undervalued between 3.92 and 11.80, Fairly Valued between 27.56 and 11.80, Overvalued between 27.56 and 35.44, and Strongly Overvalued above 35.44. The current Forward EV/EBIT of 9.65 falls within the Undervalued range.
2.21
PS
Open Lending Corp. (LPRO) has a current PS of 2.21. The 5-year average PS is 9.19. The thresholds are as follows: Strongly Undervalued below -3.51, Undervalued between -3.51 and 2.84, Fairly Valued between 15.53 and 2.84, Overvalued between 15.53 and 21.88, and Strongly Overvalued above 21.88. The current Forward PS of 2.21 falls within the Undervalued range.
0.00
P/OCF
Open Lending Corp. (LPRO) has a current P/OCF of 0.00. The 5-year average P/OCF is 19.46. The thresholds are as follows: Strongly Undervalued below -8.73, Undervalued between -8.73 and 5.36, Fairly Valued between 33.55 and 5.36, Overvalued between 33.55 and 47.64, and Strongly Overvalued above 47.64. The current Forward P/OCF of 0.00 falls within the Undervalued range.
19.76
P/FCF
Open Lending Corp. (LPRO) has a current P/FCF of 19.76. The 5-year average P/FCF is 18.47. The thresholds are as follows: Strongly Undervalued below -24.90, Undervalued between -24.90 and -3.21, Fairly Valued between 40.15 and -3.21, Overvalued between 40.15 and 61.84, and Strongly Overvalued above 61.84. The current Forward P/FCF of 19.76 falls within the Historic Trend Line -Fairly Valued range.
Open Lending Corp (LPRO) has a current Price-to-Book (P/B) ratio of 3.02. Compared to its 3-year average P/B ratio of 3.70 , the current P/B ratio is approximately -18.37% higher. Relative to its 5-year average P/B ratio of 24.37, the current P/B ratio is about -87.61% higher. Open Lending Corp (LPRO) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 7.13%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 5.92% , the current FCF yield is about -100.00% lower.
3.00
P/B
Median3y
3.70
Median5y
24.37
-5.50
FCF Yield
Median3y
7.13
Median5y
5.92
Competitors Valuation Multiple
The average P/S ratio for LPRO's competitors is , providing a benchmark for relative valuation. Open Lending Corp Corp (LPRO) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 2.95%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of LPRO decreased by 69.01% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from -0.23 to -1.46.
The secondary factor is the Revenue Growth, contributed 2.95%to the performance.
Overall, the performance of LPRO in the past 1 year is driven by P/E Change. Which is more unsustainable.
People Also Watch
FAQ
Is Open Lending Corp (LPRO) currently overvalued or undervalued?
What is Open Lending Corp (LPRO) fair value?
How does LPRO's valuation metrics compare to the industry average?
What is the current P/B ratio for Open Lending Corp (LPRO) as of Dec 05 2025?
What is the current FCF Yield for Open Lending Corp (LPRO) as of Dec 05 2025?
What is the current Forward P/E ratio for Open Lending Corp (LPRO) as of Dec 05 2025?