LPRO Valuation

Open Lending Corp

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2.110

+0.07(3.431%)1D

Overview
Forecast
Valuation
Earnings

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 33.33 is considered Fairly compared with the five-year average of 29.79. The fair price of Open Lending Corp (LPRO) is between 1.31 to 2.31 according to relative valuation methord.

Relative Value

Fair Zone

1.31-2.31

Current Price：2.11

Fair

33.33

Trailing

Forward

8.14

EV/EBITDA

Open Lending Corp. (LPRO) has a current EV/EBITDA of 8.14. The 5-year average EV/EBITDA is 16.66. The thresholds are as follows: Strongly Undervalued below -0.71, Undervalued between -0.71 and 7.97, Fairly Valued between 25.34 and 7.97, Overvalued between 25.34 and 34.03, and Strongly Overvalued above 34.03. The current Forward EV/EBITDA of 8.14 falls within the Historic Trend Line -Fairly Valued range.

17.82

EV/EBIT

Open Lending Corp. (LPRO) has a current EV/EBIT of 17.82. The 5-year average EV/EBIT is 20.56. The thresholds are as follows: Strongly Undervalued below 4.83, Undervalued between 4.83 and 12.69, Fairly Valued between 28.42 and 12.69, Overvalued between 28.42 and 36.29, and Strongly Overvalued above 36.29. The current Forward EV/EBIT of 17.82 falls within the Historic Trend Line -Fairly Valued range.

2.50

Open Lending Corp. (LPRO) has a current PS of 2.50. The 5-year average PS is 10.01. The thresholds are as follows: Strongly Undervalued below -2.85, Undervalued between -2.85 and 3.58, Fairly Valued between 16.45 and 3.58, Overvalued between 16.45 and 22.88, and Strongly Overvalued above 22.88. The current Forward PS of 2.50 falls within the Undervalued range.

-1.45

P/OCF

Open Lending Corp. (LPRO) has a current P/OCF of -1.45. The 5-year average P/OCF is 21.49. The thresholds are as follows: Strongly Undervalued below -6.19, Undervalued between -6.19 and 7.65, Fairly Valued between 35.33 and 7.65, Overvalued between 35.33 and 49.17, and Strongly Overvalued above 49.17. The current Forward P/OCF of -1.45 falls within the Undervalued range.

92.35

P/FCF

Open Lending Corp. (LPRO) has a current P/FCF of 92.35. The 5-year average P/FCF is 18.02. The thresholds are as follows: Strongly Undervalued below -21.15, Undervalued between -21.15 and -1.56, Fairly Valued between 37.61 and -1.56, Overvalued between 37.61 and 57.20, and Strongly Overvalued above 57.20. The current Forward P/FCF of 92.35 falls within the Strongly Overvalued range.

Open Lending Corp (LPRO) has a current Price-to-Book (P/B) ratio of 3.16. Compared to its 3-year average P/B ratio of 3.82 , the current P/B ratio is approximately -17.22% higher. Relative to its 5-year average P/B ratio of 27.99, the current P/B ratio is about -88.72% higher. Open Lending Corp (LPRO) has a Forward Free Cash Flow (FCF) yield of approximately 1.94%. Compared to its 3-year average FCF yield of 8.45%, the current FCF yield is approximately -77.04% lower. Relative to its 5-year average FCF yield of 6.15% , the current FCF yield is about -68.42% lower.

3.16

P/B

Median3y

3.82

Median5y

27.99

1.94

FCF Yield

Median3y

8.45

Median5y

6.15

Competitors Valuation Multiple

The average P/S ratio for LPRO's competitors is 1.26, providing a benchmark for relative valuation. Open Lending Corp Corp (LPRO) exhibits a P/S ratio of 2.50, which is 97.99% above the industry average. Given its robust revenue growth of -5.30%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Inspired Entertainment Inc

Performance Decomposition

Market capitalization of LPRO decreased by 65.52% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from -1.74 to -1.77.

The secondary factor is the Revenue Growth, contributed -5.30%to the performance.

Overall, the performance of LPRO in the past 1 year is driven by P/E Change. Which is more unsustainable.

-5.30%

26.73M → 25.31M

Revenue Growth

-62.34%

10.86 → 4.09

Margin Expansion

2.12%

-1.74 → -1.77

P/E Change

-65.52%