Open LendingLPRO +0.32%71 Days Payable is 9.30 as of Mar. 2026, which is 35% below its 10-year median of 14.38. 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 302 Credit Services companies, Open Lending ranks worse than 73.18% on this metric.
The historical rank and industry rank for Open Lending's Days Payable or its related term are showing as below:
LPRO'
s Days Payable Range Over the Past 10 Years
Min: 5.43 Med: 14.38 Max: 89.12
Current: 10.27
During the past 8 years, Open Lending's highest Days Payable was 89.12. The lowest was 5.43. And the median was 14.38.
LPRO's Days Payable is ranked worse than 73.18% of 302
companies
in the Credit Services industry
Industry Median: 33.405
vs LPRO: 10.27
Open Lending's Days Payable
declined
from Mar. 2025 (9.79) to Mar. 2026 (9.30).
It may suggest that Open Lendingaccelerated paying its suppliers.
Open Lending Days Payable Related Terms
Open Lending Days Payable Historical Data
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The historical data trend for Open Lending's Days Payable 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.
For the Credit Services subindustry, Open Lending's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Open Lending's Days Payable distribution charts can be found below:
* The bar in red indicates where Open Lending's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Open Lending's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Days Payable of 9.30 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Open Lending and its competitors. This is 35% below median its historical median of 14.38. Over the past decade, Open Lending's Days Payable has ranged from 5.43 to 89.12. According to the industry distribution chart, Open Lending ranks #221 out of 302 companies in the Credit Services industry, placing it in the top 73.2%.
Is Open Lending's Days Payable too high?
Open Lending's current Days Payable of 9.30 is 35% below median its 10-year median of 14.38. Over the past 10 years, this metric has ranged from a low of 5.43 to a high of 89.12. The Credit Services industry median Days Payable is 33.41. Open Lending's value of 9.30 is 72.2% below this industry median. Based on the distribution chart, Open Lending ranks #221 out of 302 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 Days Payable compare to OPRT and MFIN?
According to the Credit Services industry distribution chart, Open Lending ranks #221 out of 302 companies for Days Payable. This places Open Lending in the lower half of its industry. The industry median Days Payable is 33.41. Open Lending's value of 9.30 is 72.2% below this benchmark. Historically, Open Lending's own Days Payable has ranged from 5.43 to 89.12 over the past decade. While the company's 10-year median is 14.38 vs. the industry median of 33.41, 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 Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.41, based on 302 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Open Lending's current Days Payable of 9.30 is 72.2% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Open Lending and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Open Lending's current Days Payable is 9.30, which is 35% below median its own 10-year median of 14.38. 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 Days Payable is 9.30, which is 35% below median its 10-year median of 14.38 and 72.2% below the Credit Services industry median of 33.41. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Open Lending (LPRO), the current Days Payable is 9.30 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:
Days Payable: 9.30 (35% below median its 10-year median of 14.38)
GF Value™: $5.73 vs. price of $3.13 (45.5% below fair value)
Industry Position: 72.2% below the Credit Services median (#221 of 302)
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
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