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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)98.42m
- Net income in USD6.15m
- 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/
Peer analysis
- 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) |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Metropolitan Bank Holding Corp | 431.26m | 69.44m | 586.73m | 275.00 | 8.42 | 0.8474 | 15.41 | 2.27 | 6.23 | 6.23 | 23.13 | 61.86 | -- | -- | -- | -- | 1.01 | 1.04 | -- | -- | -- | -- | 26.99 | 28.47 | -- | -- | -- | 0.00 | 43.98 | 34.93 | 29.72 | 24.82 | 23.96 | -- |
Heritage Commerce Corp. | 236.31m | 48.52m | 620.91m | 353.00 | 12.82 | 0.9142 | 11.93 | 3.53 | 0.7899 | 0.7899 | 2.86 | 11.08 | -- | -- | -- | -- | 0.9177 | 1.08 | -- | -- | -- | -- | 27.62 | 30.59 | -- | -- | -- | 58.28 | 24.08 | 12.53 | -3.17 | 12.77 | 54.96 | 3.40 |
Business First Bancshares Inc | 383.87m | 61.65m | 655.41m | 751.00 | 10.57 | 1.11 | 9.88 | 2.60 | 2.43 | 2.43 | 9.95 | 26.06 | -- | -- | -- | -- | 1.02 | 1.08 | -- | -- | -- | -- | 26.56 | 25.39 | -- | -- | -- | 20.27 | 49.64 | 35.91 | 24.08 | 36.03 | 66.18 | 10.20 |
Orrstown Financial Services Inc | 164.65m | 32.94m | 688.64m | 410.00 | 11.29 | 1.37 | 18.46 | 5.24 | 3.15 | 3.15 | 12.56 | 25.97 | -- | -- | -- | -- | 1.06 | 1.00 | -- | -- | -- | -- | 25.06 | 22.98 | -- | -- | -- | 28.95 | 37.96 | 17.95 | 61.83 | 22.73 | -13.70 | 9.42 |
Eagle Bancorp Inc | 673.90m | -36.53m | 691.36m | 452.00 | -- | 0.5912 | -- | 2.25 | -1.20 | -1.20 | 10.25 | 38.75 | -- | -- | -- | -- | -0.3271 | 1.30 | -- | -- | -- | -- | -11.86 | 39.61 | -- | -- | -- | 29.63 | 47.27 | 9.72 | -28.66 | -7.97 | -45.69 | -- |
Mercantile Bank Corp | 300.56m | 81.23m | 710.06m | 670.00 | 8.71 | 1.29 | 7.69 | 3.09 | 5.05 | 5.05 | 14.32 | 34.15 | -- | -- | -- | -- | 1.51 | 1.31 | -- | -- | -- | -- | 35.30 | 32.33 | -- | -- | -- | 31.26 | 49.23 | 13.83 | 34.64 | 14.36 | 1.14 | 7.58 |
Farmers & Merchants Bancorp | 269.58m | 87.95m | 714.26m | 378.00 | 8.21 | 1.24 | 7.88 | 3.17 | 117.72 | 117.72 | 301.93 | 779.40 | -- | -- | -- | -- | 1.67 | 1.49 | -- | -- | -- | -- | 38.99 | 36.86 | -- | -- | -- | 17.52 | 27.89 | 13.71 | 17.61 | 14.17 | 1.67 | 4.23 |
Open Lending Corp | 98.42m | 6.15m | 721.48m | 210.00 | 118.37 | 3.33 | 94.93 | 7.33 | 0.0511 | 0.0511 | 0.8212 | 1.82 | 0.2558 | -- | 2.94 | 468,652.40 | 1.60 | 15.71 | 1.69 | 16.62 | 77.45 | 89.02 | 6.25 | 27.96 | -- | -- | 0.3979 | 422.19 | -34.60 | 17.61 | -66.87 | -- | 3.02 | -- |
Amerant Bancorp Inc | 575.99m | 20.53m | 725.46m | 682.00 | 35.88 | 0.99 | 28.19 | 1.85 | 0.6036 | 0.6036 | 11.67 | 21.88 | -- | -- | -- | -- | 0.2007 | 0.6097 | -- | -- | -- | -- | 4.92 | 15.72 | -- | -- | -- | 10.24 | 61.93 | 12.14 | -48.68 | -6.65 | 1.71 | -- |
Old Second Bancorp Inc | 294.48m | 85.76m | 728.81m | 834.00 | 8.62 | 1.18 | 7.82 | 2.57 | 1.88 | 1.88 | 6.24 | 13.81 | -- | -- | -- | -- | 1.49 | 1.12 | -- | -- | -- | -- | 30.20 | 26.41 | -- | -- | -- | 10.06 | 34.88 | 22.09 | 36.09 | 21.95 | 45.54 | -- |
Central Pacific Financial Corp. | 296.77m | 56.77m | 766.44m | 696.00 | 13.52 | 1.48 | 11.88 | 3.02 | 2.10 | 2.10 | 9.37 | 19.16 | -- | -- | -- | -- | 0.7592 | 0.9013 | -- | -- | -- | -- | 22.37 | 24.79 | -- | -- | -- | 43.89 | 21.49 | 7.35 | -20.64 | 0.249 | 31.44 | 4.87 |
NB Bancorp Inc | 264.25m | 13.00m | 784.08m | 330.00 | 50.40 | 1.05 | 49.78 | 2.97 | 0.3643 | 0.3643 | 6.40 | 17.43 | 0.0598 | -- | 16.64 | -- | 0.2944 | -- | 1.72 | -- | -- | -- | 4.92 | -- | -- | 1.17 | 0.8424 | -- | 82.84 | -- | -67.32 | -- | -- | -- |
Federal Home Loan Mortgage Corp | 113.55bn | -136.00m | 786.57m | 8.00k | -- | -- | -- | 0.0069 | -0.2461 | -0.2461 | 58.47 | 81.87 | 0.0346 | -- | -- | 14,186,030.00 | 0.3394 | 0.3389 | 0.344 | 0.3496 | 101.51 | -- | 9.80 | 11.65 | -- | 1.15 | 0.9838 | 0.00 | 22.32 | 10.36 | -148.54 | -- | -- | -- |
First Community Bankshares Inc | 144.93m | 51.96m | 809.02m | 591.00 | 15.42 | 1.59 | 13.86 | 4.83 | 2.87 | 2.87 | 9.02 | 27.85 | -- | -- | -- | -- | 1.57 | 1.48 | -- | -- | -- | -- | 30.99 | 31.23 | -- | -- | -- | 41.07 | 19.98 | 6.89 | 2.91 | 6.73 | 1.66 | 8.26 |
Univest Financial Corp | 396.78m | 71.68m | 830.50m | 979.00 | 11.72 | 0.973 | 10.65 | 2.84 | 2.43 | 2.43 | 9.92 | 29.26 | -- | -- | -- | -- | 0.9276 | 1.12 | -- | -- | -- | -- | 24.49 | 26.79 | -- | -- | -- | 31.39 | 47.40 | 14.31 | -8.98 | 7.33 | 16.61 | 0.9806 |
Holder | Shares | % Held |
---|---|---|
Wasatch Advisors LPas of 30 Jun 2024 | 16.41m | 13.76% |
T. Rowe Price Associates, Inc. (IM)as of 30 Jun 2024 | 10.46m | 8.77% |
The Vanguard Group, Inc.as of 30 Jun 2024 | 9.49m | 7.96% |
Working Capital Advisors (UK) Ltd.as of 30 Jun 2024 | 9.10m | 7.63% |
BlackRock Fund Advisorsas of 30 Jun 2024 | 6.67m | 5.59% |
Cannell Capital LLCas of 30 Jun 2024 | 2.63m | 2.20% |
SSgA Funds Management, Inc.as of 30 Jun 2024 | 2.48m | 2.08% |
Geode Capital Management LLCas of 30 Jun 2024 | 2.30m | 1.93% |
Dimensional Fund Advisors LPas of 30 Jun 2024 | 1.63m | 1.37% |
Kornitzer Capital Management, Inc.as of 30 Jun 2024 | 1.47m | 1.23% |