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About the company
Open Lending Corporation is a provider of loan analytics, risk-based loan pricing, risk modeling, and automated decision technology for automotive lenders throughout the United States. The Company provides lending enablement and risk analytics to credit unions, regional banks, and the captive finance companies of original equipment manufacturer (OEM). It also operates as a third-party administrator that adjudicates insurance claims and premium adjustments on those automotive loans. Its Lenders Protection Program (LPP) is an automotive lending program designed to underwrite default insurance on loans made to near-prime and non-prime borrowers. LPP uses risk-based pricing models combined with loan default insurance provided by third-party insurers. LPP enables automotive lenders to assess the credit risk of a potential borrower using data driven analysis, enabling the lender to generate an all-inclusive, insured, interest rate for a loan for the borrower. It caters to 396 lenders.
- Revenue in USD (TTM)204.40m
- Net income in USD98.65m
- Incorporated2019
- Employees132.00
- LocationOpen Lending Corp1501 S. Mopac Expressway, Suite #450AUSTIN 78746United StatesUSA
- Phone+1 (512) 892-0400
- Fax+1 (302) 655-5049
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Loandepot Inc | 2.22bn | -187.14m | 874.11m | 11.31k | -- | 1.75 | -- | 0.3929 | -1.21 | -1.21 | 15.05 | 1.59 | 0.2211 | -- | 25.24 | 196,758.80 | -4.35 | -- | -5.20 | -- | 82.17 | 88.52 | -19.68 | 19.36 | -- | -0.2292 | 0.8169 | -- | -7.17 | 26.75 | -- | -7.63 | -- | -- |
| International Money Express Inc | 519.54m | 57.40m | 880.97m | 674.00 | 16.13 | 6.07 | 13.24 | 1.70 | 1.47 | 1.47 | 13.33 | 3.91 | 1.45 | -- | 5.26 | 770,835.30 | 16.01 | 7.50 | 23.95 | 10.40 | -- | -- | 11.05 | 4.89 | -- | 17.83 | 0.4593 | 0.00 | 28.55 | -- | 38.65 | -- | -- | -- |
| Ellington Financial Inc | 241.78m | -73.80m | 925.69m | 170.00 | -- | 0.906 | -- | 3.83 | -1.19 | -1.19 | 4.09 | 19.12 | 0.0449 | -- | 2.73 | 1,422,224.00 | -0.6479 | 1.14 | -1.28 | 2.35 | 49.09 | 52.02 | -14.42 | 28.69 | -- | 0.5741 | 0.8014 | 107.56 | 1.14 | 16.96 | 626.85 | -- | -- | -4.00 |
| i3 Verticals Inc | 317.86m | -17.10m | 967.35m | 1.64k | -- | 4.41 | 155.27 | 3.04 | -0.7697 | -0.7697 | 14.29 | 6.60 | 0.447 | -- | 6.92 | 194,173.50 | -3.27 | -1.79 | -4.46 | -2.56 | 76.92 | 48.25 | -7.30 | -2.62 | 0.7163 | -0.1131 | 0.4826 | -- | 41.82 | 3.90 | -283.71 | -- | 42.80 | -- |
| Repay Holdings Corp | 268.75m | 3.75m | 996.49m | 552.00 | 240.60 | 0.9939 | 9.20 | 3.71 | -0.0041 | -0.0041 | 2.53 | 10.17 | 0.1636 | -- | 8.27 | 486,873.60 | -0.0299 | -- | -0.032 | -- | 75.84 | -- | -0.183 | -- | -- | -3.41 | 0.3252 | -- | 41.42 | -- | 52.57 | -- | -- | -- |
| Green Dot Corporation | 1.44bn | 47.74m | 1.02bn | 1.20k | 21.82 | 1.30 | 7.83 | 0.7085 | 0.8882 | 0.8882 | 26.59 | 14.86 | 0.3166 | -- | 20.28 | 1,198,311.00 | 1.05 | 2.59 | 5.06 | 7.72 | -- | -- | 3.32 | 6.43 | -- | 7.85 | 0.8168 | 0.00 | 14.31 | 14.80 | 106.57 | 2.90 | 5.82 | -- |
| Moneygram International Inc | 1.29bn | 16.60m | 1.04bn | 3.07k | 64.33 | -- | 15.33 | 0.8074 | 0.168 | 0.168 | 13.07 | -1.93 | 0.2914 | -- | -- | 420,768.20 | 0.3742 | -0.8142 | 0.3907 | -0.8598 | 47.45 | 48.42 | 1.28 | -2.68 | -- | 2.04 | 1.31 | -- | 5.46 | -4.67 | -379.75 | -- | -12.94 | -- |
| LendingClub Corp | 1.23bn | 289.69m | 1.08bn | 1.38k | 3.67 | 0.9234 | 3.22 | 0.8769 | 2.75 | 2.75 | 11.62 | 10.93 | 0.1904 | -- | -- | -- | 4.50 | -0.1918 | 19.01 | -0.317 | 21.43 | -- | 23.63 | -0.8232 | -- | -- | 0.8485 | -- | 55.10 | 2.07 | 1,459.12 | -- | -- | -- |
| Zuora Inc | 383.74m | -125.29m | 1.15bn | 1.39k | -- | 6.26 | -- | 3.00 | -0.966 | -0.966 | 2.96 | 1.38 | 0.7006 | -- | 5.07 | 275,475.90 | -22.88 | -21.32 | -37.30 | -39.87 | 60.69 | 54.92 | -32.65 | -25.34 | -- | -15.26 | 0.5312 | -- | 13.53 | 25.13 | -35.87 | -- | 21.81 | -- |
| Athena Bitcoin Global | 75.93m | -3.92m | 1.18bn | 41.00 | -- | -- | -- | 15.59 | -0.0012 | -0.0012 | 0.0187 | -0.0013 | 6.24 | -- | -- | 2,449,194.00 | -32.24 | -- | -183.66 | -- | 6.88 | -- | -5.17 | -- | -- | -2.37 | 3.23 | -- | 18.58 | -- | -2,377.50 | -- | -- | -- |
| Open Lending Corp | 204.40m | 98.65m | 1.25bn | 132.00 | 12.63 | 5.34 | 12.51 | 6.10 | 0.7816 | 0.7816 | 1.62 | 1.85 | 0.5906 | -- | 2.92 | 1,548,508.00 | 28.50 | -- | 29.98 | -- | 90.31 | -- | 48.26 | -- | -- | 35.38 | 0.3885 | -- | 98.04 | -- | 261.03 | -- | -- | -- |
| Paya Holdings Inc | 276.91m | 9.47m | 1.29bn | 300.00 | 134.00 | 5.09 | 31.30 | 4.65 | 0.0726 | 0.0726 | 2.14 | 1.91 | 0.4294 | -- | 10.65 | 923,033.30 | 1.47 | -- | 1.82 | -- | 51.29 | -- | 3.42 | -- | -- | 2.65 | 0.4904 | -- | 21.02 | -- | -54.77 | -- | -- | -- |
| Global Blue Group Holding Ltd | 233.17m | -82.57m | 1.37bn | 1.41k | -- | -- | -- | 5.86 | -0.4554 | -0.4554 | 1.28 | -0.0068 | 0.2104 | -- | 1.27 | 165,253.90 | -7.35 | -- | -10.42 | -- | -- | -- | -34.94 | -- | -- | -1.06 | 0.9946 | -- | 181.79 | -- | 78.00 | -- | -- | -- |
| Federal Agricultural Mortgage Corp | 561.47m | 144.24m | 1.42bn | 153.00 | 10.16 | 1.95 | -- | 2.53 | 13.26 | 13.26 | 51.61 | 114.07 | 0.0219 | -- | 2.83 | 3,669,706.00 | 0.6698 | 0.5288 | 0.9739 | 0.9376 | 48.85 | 39.22 | 30.53 | 21.56 | -- | -- | 0.9523 | 31.03 | -14.34 | 6.70 | 20.64 | 10.89 | -- | 27.62 |
| Ready Capital Corp | 665.83m | 218.42m | 1.49bn | 0.00 | 5.92 | 0.8741 | 6.29 | 2.23 | 2.27 | 2.27 | 6.33 | 16.45 | 0.063 | -- | 21.36 | -- | 2.30 | 1.76 | 2.37 | 1.84 | 45.64 | 42.57 | 36.51 | 21.40 | -- | -- | 0.8283 | 99.25 | -0.5553 | 30.34 | 224.64 | 22.42 | -- | -6.07 |
Data as of Feb 03 2023. Currency figures normalised to Open Lending Corp's reporting currency: US Dollar USD
43.25%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Wasatch Advisors, Inc.as of 30 Sep 2022 | 17.15m | 13.58% |
| T. Rowe Price Associates, Inc. (Investment Management)as of 30 Sep 2022 | 10.92m | 8.65% |
| The Vanguard Group, Inc.as of 30 Sep 2022 | 8.89m | 7.04% |
| BlackRock Fund Advisorsas of 30 Sep 2022 | 6.17m | 4.88% |
| SSgA Funds Management, Inc.as of 30 Sep 2022 | 2.42m | 1.92% |
| Massachusetts Financial Services Co.as of 30 Sep 2022 | 2.31m | 1.83% |
| Geode Capital Management LLCas of 30 Sep 2022 | 1.92m | 1.52% |
| Hound Partners LLCas of 30 Sep 2022 | 1.78m | 1.41% |
| St. Denis J. Villere & Co. LLCas of 31 Dec 2022 | 1.67m | 1.32% |
| Federated MDTA LLCas of 30 Sep 2022 | 1.39m | 1.10% |
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Data from 30 Sep 2022 - 31 Dec 2022Source: FactSet Research Systems Inc.
