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About the company
Open Lending Corporation is a provider of lending enablement and risk analytics to credit unions, regional banks, finance companies and the captive finance companies of automakers. The Company provides loan analytics, risk-based pricing, risk modeling and default insurance to auto lenders throughout the United States. It targets the financing needs of near-prime and non-prime borrowers, or borrowers with a credit bureau score generally between 560 and 699. Lenders Protection platform (LPP), the Company's flagship product, is a cloud-based automotive lending platform. LPP supports the full transaction lifecycle, including credit application, underwriting, real-time insurance approval, settlement, servicing, invoicing of insurance premiums and fees and advanced data analytics of the automotive lender's portfolio under the program. Its risk models project loan performance, including expected losses and prepayments, in arriving at the optimal rate. It serves around 454 active lenders.
- Revenue in USD (TTM)109.84m
- Net income in USD14.62m
- Incorporated2019
- Employees210.00
- LocationOpen Lending Corp1501 S. Mopac Expressway, Suite #450AUSTIN 78746United StatesUSA
- Phone+1 (512) 892-0400
- Fax+1 (302) 636-5454
- Websitehttps://www.openlending.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| DigiAsia Corp | 0.00 | -63.56k | 489.78m | -- | -- | 15.40 | 1,296.10 | -- | -0.0059 | -0.0059 | 0.00 | 0.5242 | 0.00 | -- | -- | -- | -0.0544 | -- | -0.056 | -- | -- | -- | -- | -- | -- | -- | 0.1845 | -- | -- | -- | -100.64 | -- | -- | -- |
| CompoSecure Inc | 399.32m | 20.90m | 527.87m | 922.00 | 6.75 | -- | 4.14 | 1.32 | 0.9704 | 0.9704 | 8.54 | -9.86 | 2.00 | 3.54 | 10.75 | 433,105.20 | 59.53 | -- | -- | -- | 52.82 | -- | 29.76 | -- | 2.25 | 5.22 | 2.46 | -- | 3.21 | -- | 3.12 | -- | -- | -- |
| Green Dot Corporation | 1.54bn | -24.54m | 543.81m | 1.20k | -- | 0.6246 | 8.89 | 0.3538 | -0.468 | -0.468 | 29.18 | 16.38 | 0.3072 | -- | 47.81 | 1,280,780.00 | -0.4904 | 1.23 | -2.81 | 4.96 | -- | -- | -1.60 | 3.58 | -- | 1.83 | 0.8131 | 0.00 | 3.57 | 7.10 | -89.50 | -43.71 | 4.47 | -- |
| EZCORP Inc | 1.11bn | 78.42m | 568.10m | 7.50k | 9.98 | 0.7109 | 5.10 | 0.5109 | 1.04 | 1.04 | 13.03 | 14.55 | 0.7593 | 2.96 | 16.71 | 148,256.10 | 5.36 | 0.4886 | 6.01 | 0.5558 | 58.31 | 58.39 | 7.05 | 0.7045 | 3.23 | -- | 0.3121 | 0.00 | 18.37 | 5.25 | -23.32 | -2.13 | -0.0138 | -- |
| Velocity Financial Inc | 338.81m | 58.07m | 594.07m | 253.00 | 10.67 | 1.31 | 9.98 | 1.75 | 1.69 | 1.69 | 9.73 | 13.73 | 0.08 | -- | 13.47 | 1,339,158.00 | 1.39 | 1.07 | 1.55 | 1.14 | 90.60 | 93.93 | 17.38 | 13.64 | -- | 1.41 | 0.8987 | 0.00 | 28.92 | 20.43 | 62.42 | 46.51 | -36.19 | -- |
| Lendingtree Inc | 639.76m | -134.85m | 617.72m | 860.00 | -- | 4.70 | -- | 0.9655 | -10.38 | -10.38 | 49.03 | 9.95 | 0.6498 | -- | 7.29 | 743,909.30 | -13.70 | -4.13 | -15.07 | -4.90 | 94.76 | 94.20 | -21.08 | -4.74 | -- | 2.51 | 0.8309 | -- | -31.73 | -2.54 | 34.87 | -- | -3.42 | -- |
| Cass Information Systems Inc | 215.93m | 30.09m | 618.88m | 1.06k | 20.79 | 2.69 | 17.55 | 2.87 | 2.18 | 2.18 | 15.65 | 16.84 | 0.0915 | -- | 6.16 | 203,514.60 | 1.27 | 1.33 | 11.75 | 10.70 | 91.57 | 96.71 | 13.94 | 17.21 | -- | -- | 0.7438 | 52.08 | 13.84 | 7.00 | -13.88 | -0.0896 | 26.63 | 6.60 |
| International Money Express Inc | 663.78m | 59.86m | 681.63m | 1.11k | 12.41 | 4.97 | 9.33 | 1.03 | 1.68 | 1.68 | 18.62 | 4.18 | 1.36 | -- | 5.28 | 598,001.80 | 12.22 | 12.47 | 20.48 | 19.28 | -- | -- | 9.02 | 9.27 | -- | 9.11 | 0.5337 | 0.00 | 20.47 | 19.19 | 3.81 | -- | 18.62 | -- |
| Loandepot Inc | 1.30bn | -101.49m | 741.02m | 4.25k | -- | 2.30 | -- | 0.5697 | -0.5699 | -0.5699 | 7.33 | 0.9949 | 0.2101 | -- | -- | 306,079.30 | -3.48 | 4.67 | -6.32 | -- | 82.00 | 87.76 | -16.55 | 13.42 | -- | 0.325 | 0.8731 | -- | -19.52 | 0.2811 | 59.66 | -- | -12.75 | -- |
| Open Lending Corp | 109.84m | 14.62m | 748.27m | 210.00 | 52.18 | 3.54 | 47.04 | 6.81 | 0.1204 | 0.1204 | 0.9123 | 1.78 | 0.2916 | -- | 2.91 | 523,066.70 | 3.88 | 15.71 | 4.09 | 16.62 | 79.42 | 89.02 | 13.31 | 27.96 | -- | -- | 0.4037 | 422.19 | -34.60 | 17.61 | -66.87 | -- | 3.02 | -- |
| Alpha Investment Inc | 0.00 | -536.66k | 805.81m | -- | -- | -- | -- | -- | -0.0515 | -0.0515 | 0.00 | -0.3932 | 0.00 | -- | -- | -- | -10,259,600.00 | -117.28 | -- | -- | -- | -134.06 | -- | -2,038.17 | -- | -8.01 | -- | -- | -- | -- | 82.82 | -- | -- | -- |
| World Acceptance Corp. | 575.18m | 67.93m | 838.65m | 3.08k | 12.32 | 2.06 | 10.65 | 1.46 | 11.20 | 11.20 | 95.64 | 67.02 | 0.4923 | -- | -- | 187,049.30 | 5.81 | 5.25 | 6.55 | 5.97 | 91.33 | 94.63 | 11.81 | 9.26 | -- | -- | 0.5897 | 0.00 | 5.87 | 4.17 | -60.62 | -19.92 | -12.18 | -- |
| Guild Holdings Co | 852.88m | -39.01m | 887.21m | 4.20k | -- | 0.7501 | -- | 1.04 | -0.6603 | -0.6603 | 13.89 | 19.36 | 0.2466 | -- | 11.87 | 203,066.20 | -1.13 | 5.30 | -1.18 | 5.56 | -- | -- | -4.59 | 14.41 | -- | 0.3049 | 0.6265 | 15.96 | -14.41 | 1.70 | -111.87 | -- | -3.79 | -- |
| Federal Home Loan Mortgage Corp | 110.10bn | -87.00m | 936.09m | 8.00k | -- | -- | -- | 0.0085 | -0.1646 | -0.1646 | 84.95 | 77.63 | 0.0338 | -- | -- | 13,755,370.00 | 0.3473 | 0.3389 | 0.3509 | 0.3496 | 101.49 | -- | 10.27 | 11.65 | -- | 1.15 | 0.9845 | 0.00 | 22.32 | 10.36 | -148.54 | -- | -- | -- |
| Global Blue Group Holding Ltd | 436.87m | 23.11m | 994.73m | 1.78k | 41.93 | 14.38 | 13.34 | 2.28 | 0.1193 | 0.1193 | 2.28 | 0.3477 | 0.3585 | -- | 1.79 | 245,021.90 | 2.44 | -- | 3.65 | -- | -- | -- | 6.80 | -- | -- | 2.24 | 0.8915 | -- | 147.32 | -- | 73.63 | -- | -- | -- |
| Ellington Financial Inc | 384.52m | 48.90m | 1.01bn | 400.00 | 18.98 | 0.8607 | 18.25 | 2.64 | 0.628 | 0.628 | 5.25 | 18.03 | 0.0263 | -- | 18.58 | 961,295.00 | 0.5421 | 0.5657 | 0.6614 | 0.8477 | 22.60 | 39.98 | 20.61 | 17.86 | -- | -0.1798 | 0.8944 | 244.22 | 31.17 | 22.35 | 171.36 | 5.46 | -- | 1.88 |
Data as of May 15 2024. Currency figures normalised to Open Lending Corp's reporting currency: US Dollar USD
50.29%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Wasatch Advisors, Inc.as of 31 Mar 2024 | 16.09m | 13.54% |
| T. Rowe Price Associates, Inc. (Investment Management)as of 31 Dec 2023 | 10.42m | 8.77% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 9.18m | 7.73% |
| Working Capital Advisors (UK) Ltd.as of 31 Dec 2023 | 7.09m | 5.96% |
| BlackRock Fund Advisorsas of 31 Mar 2024 | 6.33m | 5.33% |
| Cannell Capital LLCas of 31 Dec 2023 | 2.65m | 2.23% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 2.40m | 2.02% |
| Geode Capital Management LLCas of 31 Dec 2023 | 2.15m | 1.81% |
| Dimensional Fund Advisors LPas of 31 Mar 2024 | 1.97m | 1.66% |
| Kornitzer Capital Management, Inc.as of 31 Mar 2024 | 1.48m | 1.25% |
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Data from 31 Dec 2023 - 31 Mar 2024Source: FactSet Research Systems Inc.
