Open Lending Corporation Common Stock (LPRO)

FairStock Score: 60/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for durable competitive advantages, honest financials, and a margin of safety. Open Lending provides lending enablement and risk analytics to credit unions, regional banks, finance companies, and automaker captive finance companies. That is a specialized niche, but the data do not give enough history to judge a durable moat. In fiscal Q1 2026, the latest reported quarter, revenue was $20.5 million and net income was -$460,000, a -2.24% margin. Trailing free cash flow is -$833,000, a -0.4% FCF yield. A business that consumes cash is not compounding for owners.

In plain English: Open Lending helps banks and credit unions make car loans by providing risk analysis and insurance-related technology. The business is currently losing money, using more cash than it brings in, and carries more debt than equity. At $3.14 per share, the price is near its 52-week high, but weak profits and cash flow make it look expensive compared with what it earns today.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-08-07 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer