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Upturn AI SWOT - About
LPRO 
Open Lending Corp (LPRO)
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Upturn Advisory Summary
10/15/2025: LPRO (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $3.06
1 Year Target Price $3.06
| 2 | Strong Buy |
| 2 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -67.81% | Avg. Invested days 23 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 219.80M USD | Price to earnings Ratio - | 1Y Target Price 3.06 |
Price to earnings Ratio - | 1Y Target Price 3.06 | ||
Volume (30-day avg) 8 | Beta 1.94 | 52 Weeks Range 0.70 - 6.92 | Updated Date 10/17/2025 |
52 Weeks Range 0.70 - 6.92 | Updated Date 10/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.19 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) 4.65% |
Management Effectiveness
Return on Assets (TTM) -13.75% | Return on Equity (TTM) -95.59% |
Valuation
Trailing PE - | Forward PE 36.36 | Enterprise Value 202131302 | Price to Sales(TTM) 13.52 |
Enterprise Value 202131302 | Price to Sales(TTM) 13.52 | ||
Enterprise Value to Revenue 12.44 | Enterprise Value to EBITDA 30.24 | Shares Outstanding 118172477 | Shares Floating 101584606 |
Shares Outstanding 118172477 | Shares Floating 101584606 | ||
Percent Insiders 3.21 | Percent Institutions 75.8 |
Upturn AI SWOT
Open Lending Corp
Company Overview
History and Background
Open Lending Corp. was founded in 2000. The company developed a proprietary risk-based pricing model designed to enable automotive lenders to make near-prime auto loans safely and profitably. They went public via SPAC merger in 2020.
Core Business Areas
- Lender Enablement Platform: Provides an automated lending platform utilizing proprietary risk-based pricing models, data analytics, and decision technology to facilitate and enable automotive lenders to make near-prime auto loans.
- Insurance Services: Offers insurance policies associated with the loans facilitated through their platform, providing protection to lenders against potential losses. Risk mitigation program that benefits all parties.
Leadership and Structure
John Flynn serves as the CEO. The organizational structure comprises various departments focusing on technology, sales, marketing, finance, and operations. The board of directors includes representatives from investment firms and industry veterans.
Top Products and Market Share
Key Offerings
- Lender Enablement Platform (LPP): Open Lending's LPP uses proprietary data analytics and risk-based pricing models to help credit unions and banks increase near-prime auto loan originations. Market share data is hard to find because many companies compete and provide similar services. Competitors include CUDL, MeridianLink, and other credit decisioning software vendors.
- Insurance Policy: Insurance policy that offers protection for lenders that make loans facilitated through the company's LPP. Market share data is hard to find because many companies compete and provide similar services. Competitors include Assurant and other specialty insurers in auto lending.
Market Dynamics
Industry Overview
The automotive lending industry is influenced by interest rates, unemployment rates, and consumer confidence. The near-prime lending segment caters to borrowers with credit scores slightly below prime, presenting opportunities for lenders to capture underserved markets while managing risk.
Positioning
Open Lending Corp. is positioned as a technology provider and risk manager within the near-prime auto lending space. Its competitive advantages lie in its proprietary risk-based pricing models, data analytics capabilities, and relationships with lenders and insurers.
Total Addressable Market (TAM)
Estimates vary but the total US auto loan origination market is in the hundreds of billions annually. The near-prime segment is a significant portion, and Open Lending aims to increase penetration in this area. The TAM is estimated to be about $160 billion annually.
Upturn SWOT Analysis
Strengths
- Proprietary risk-based pricing models
- Strong relationships with lenders
- Data analytics capabilities
- Scalable technology platform
- Experienced management team
Weaknesses
- Dependence on the health of the auto lending market
- Concentration of revenue among a few key clients
- Exposure to regulatory changes in the lending industry
- Smaller size compared to competitors
Opportunities
- Expansion into new markets and lending segments
- Increased adoption of technology in auto lending
- Partnerships with automotive manufacturers and dealerships
- Further development of data analytics capabilities
Threats
- Economic downturn and rising unemployment rates
- Increased competition from other technology providers
- Changes in regulatory environment
- Potential data breaches or cybersecurity incidents
Competitors and Market Share
Key Competitors
- ALLM
- FAF
Competitive Landscape
Open Lending has a strong market position but faces competition from larger companies and new entrants. Advantages include its proprietary technology and lender relationships. Disadvantages include smaller size and concentration of revenue. Competitive landscape is based on information provided and is an estimate and can change at any time.
Growth Trajectory and Initiatives
Historical Growth: Open Lending has experienced considerable growth since its founding, particularly after its SPAC merger, driven by increased adoption of its platform in the near-prime auto lending market.
Future Projections: Analyst projections are not available but would be based on factors such as market growth, competitive landscape, and Open Lending's ability to acquire new clients and expand its product offerings.
Recent Initiatives: Recent initiatives include new product development, partnerships with lenders and automotive companies, and investments in technology infrastructure.
Summary
Open Lending Corp is a solid company within the near-prime auto lending market, driven by its proprietary technology. It has a risk with its market, which is heavily dependent on economic forces such as interest rates. The company has a good market position, and its growth trajectory relies on expansion into new market segments and partnerships. Open Lending must be careful to maintain and update its edge in technology.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available - this is estimated)
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary. Investment decisions should be based on thorough research and consultation with a financial professional.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Open Lending Corp
Exchange NASDAQ | Headquaters Austin, TX, United States | ||
IPO Launch date 2018-03-06 | Chairman & CEO Ms. Jessica Elizabeth Buss CPA | ||
Sector Financial Services | Industry Credit Services | Full time employees 205 | Website https://www.openlending.com |
Full time employees 205 | Website https://www.openlending.com | ||
Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, finance companies, and captive finance companies of automakers in the United States. The company offers lenders protection platform (LPP), which is a cloud-based automotive lending enablement platform that provides loan analytics solutions and automated issuance of credit default insurance with third-party insurance providers. Its LPP products include loan analytics, risk-based loan pricing, risk modeling, and automated decision technology for automotive lenders. The company was founded in 2000 and is headquartered in Austin, Texas.
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