Open LendingLPRO +0.32%71 Current Ratio is 4.44 as of Mar. 2026, which is 56% below its 10-year median of 10.05. GuruFocus rates LPRO with a GF Score™ of 71/100 and a GF Value™ of $5.73 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 394 Credit Services companies, Open Lending ranks worse than 52.28% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Open Lending's current ratio for the quarter that ended in Mar. 2026 was 4.44.
Open Lending has a current ratio of 4.44. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for Open Lending's Current Ratio or its related term are showing as below:
LPRO'
s Current Ratio Range Over the Past 10 Years
Min: 4.44 Med: 10.05 Max: 18.58
Current: 4.44
During the past 8 years, Open Lending's highest Current Ratio was 18.58. The lowest was 4.44. And the median was 10.05.
LPRO's Current Ratio is ranked worse than 52.28% of 394
companies
in the Credit Services industry
Industry Median: 5.055
vs LPRO: 4.44
Open Lending (NAS:LPRO) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Open Lending Current Ratio Related Terms
Open Lending Current Ratio Historical Data
* Premium members only.
The historical data trend for Open Lending's Current Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LPRO vs OPRT, MFIN, JFIN: Current Ratio Comparison
For the Credit Services subindustry, Open Lending's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Open Lending Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Open Lending's Current Ratio distribution charts can be found below:
* The bar in red indicates where Open Lending's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Open Lending (LPRO) has a Current Ratio of 4.44 as of Mar. 2026. This is 56% below median its historical median of 10.05. Over the past decade, Open Lending's Current Ratio has ranged from 4.44 to 18.58. According to the industry distribution chart, Open Lending ranks #206 out of 394 companies in the Credit Services industry, placing it in the top 52.3%.
Is Open Lending's Current Ratio too high?
Open Lending's current Current Ratio of 4.44 is 56% below median its 10-year median of 10.05. Over the past 10 years, this metric has ranged from a low of 4.44 to a high of 18.58. The Credit Services industry median Current Ratio is 5.06. Open Lending's value of 4.44 is 12.2% below this industry median. Based on the distribution chart, Open Lending ranks #206 out of 394 companies in the Credit Services industry, which is below the industry midpoint. Overall, Open Lending has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Open Lending's Current Ratio compare to OPRT and MFIN?
According to the Credit Services industry distribution chart, Open Lending ranks #206 out of 394 companies for Current Ratio. This places Open Lending in the lower half of its industry. The industry median Current Ratio is 5.06. Open Lending's value of 4.44 is 12.2% below this benchmark. Historically, Open Lending's own Current Ratio has ranged from 4.44 to 18.58 over the past decade. While the company's 10-year median is 10.05 vs. the industry median of 5.06, Open Lending has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 5.06, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Open Lending's current Current Ratio of 4.44 is 12.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 5.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Open Lending's current Current Ratio is 4.44, which is 56% below median its own 10-year median of 10.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Open Lending stock overvalued right now?
Based on GuruFocus' analysis, Open Lending (LPRO) is currently considered Possible Value Trap. The stock's GF Value™ is $5.73, compared to a current price of $3.13 — trading 45.5% below its estimated fair value. The current Current Ratio is 4.44, which is 56% below median its 10-year median of 10.05 and 12.2% below the Credit Services industry median of 5.06. Open Lending's overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Open Lending (LPRO), the current Current Ratio is 4.44 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Open Lending (LPRO) Overvalued in 2026?
Based on GuruFocus' analysis, Open Lending stock appears to be undervalued.
The current stock price of $3.13 is trading 45.5% below its estimated GF Value™ of $5.73.
GuruFocus considers Open Lending to be Possible Value Trap.
Key valuation signals for LPRO:
Current Ratio: 4.44 (56% below median its 10-year median of 10.05)
GF Value™: $5.73 vs. price of $3.13 (45.5% below fair value)
Industry Position: 12.2% below the Credit Services median (#206 of 394)
No single metric tells the full story. See the LPRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Open Lending Corp is a provider of lending enablement and risk analytics to credit unions, regional banks, finance companies and the captive finance companies of automakers (OEM captive finance companies). Through its flagship product, LPP, its customers, collectively referred to herein as automotive lenders or lenders, make automotive consumer loans to underserved near-prime and non-prime borrowers by harnessing its risk-based interest rate pricing models, powered by its proprietary data and real-time underwriting of automotive loan default insurance coverage from insurers.
71GF Score
Get the complete analysis for LPRO
Current Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LPRO has been successfully added to your 
