Open Lending (LPRO) and The Competition Head-To-Head Survey

Open Lending (NASDAQ: LPRO) is one of 16 publicly-traded companies in the “Personal credit institutions” industry, but how does it compare to its competitors? We will compare Open Lending to related companies based on the strength of its profitability, institutional ownership, risk, analyst recommendations, dividends, valuation and earnings.

Analyst Recommendations

This is a breakdown of current ratings and target prices for Open Lending and its competitors, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Open Lending 0 2 10 1 2.92
Open Lending Competitors 191 844 1064 62 2.46

Open Lending currently has a consensus target price of $41.33, indicating a potential upside of 1.03%. As a group, “Personal credit institutions” companies have a potential downside of 16.79%. Given Open Lending’s stronger consensus rating and higher probable upside, equities research analysts clearly believe Open Lending is more favorable than its competitors.

Risk & Volatility

Open Lending has a beta of 0.37, meaning that its stock price is 63% less volatile than the S&P 500. Comparatively, Open Lending’s competitors have a beta of 1.38, meaning that their average stock price is 38% more volatile than the S&P 500.

Institutional and Insider Ownership

81.9% of Open Lending shares are held by institutional investors. Comparatively, 60.5% of shares of all “Personal credit institutions” companies are held by institutional investors. 26.0% of Open Lending shares are held by insiders. Comparatively, 18.7% of shares of all “Personal credit institutions” companies are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares Open Lending and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Open Lending -68.56% -50.19% 16.54%
Open Lending Competitors 15.91% 26.68% 2.55%

Earnings & Valuation

This table compares Open Lending and its competitors gross revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Open Lending $108.89 million -$97.56 million 81.82
Open Lending Competitors $2.41 billion $325.50 million 17.02

Open Lending’s competitors have higher revenue and earnings than Open Lending. Open Lending is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.

Summary

Open Lending beats its competitors on 7 of the 13 factors compared.

Open Lending Company Profile

Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, and captive finance companies of original equipment manufacturers in the United States. It offers Lenders Protection Program (LPP), which is a Software as a Service platform that facilitates loan decision making and automated underwriting by third-party lenders and the issuance of credit default insurance through third-party insurance providers. The company's 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 based in Austin, Texas.

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