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Open LendingLPRO -0.16%71 3-Year EBITDA Growth Rate is -58.40% as of Mar. 2026. GuruFocus rates LPRO with a GF Score™ of 71/100 and a GF Value™ of $5.82 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 319 Credit Services companies, Open Lending ranks worse than 94.36% on this metric.
During the past 3 years, the average EBITDA Per Share Growth Rate was -58.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 8 years, the highest 3-Year average EBITDA Per Share Growth Rate of Open Lending was 70.90% per year. The lowest was -58.40% per year. And the median was 5.00% per year.
Open Lending (NAS:LPRO) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Open Lending 3-Year EBITDA Growth Rate Related Terms
LPRO vs HTT, RM, OPRT: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Open Lending's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Open Lending's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Open Lending's 3-Year EBITDA Growth Rate falls into.
Open Lending 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of -58.40% mean?
Open Lending (LPRO) has a 3-Year EBITDA Growth Rate of -58.40% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Open Lending and its competitors. According to the industry distribution chart, Open Lending ranks #301 out of 319 companies in the Credit Services industry, placing it in the top 94.4%.
Is Open Lending's 3-Year EBITDA Growth Rate too high?
Open Lending's current 3-Year EBITDA Growth Rate is -58.40%. Based on the distribution chart, Open Lending ranks #301 out of 319 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 3-Year EBITDA Growth Rate compare to HTT and RM?
According to the Credit Services industry distribution chart, Open Lending ranks #301 out of 319 companies for 3-Year EBITDA Growth Rate. This places Open Lending in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.00. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.00, based on 319 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Open Lending and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Open Lending's current 3-Year EBITDA Growth Rate is -58.40%. 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 $5.82, compared to a current price of $3.14 — trading 46% below its estimated fair value. The current 3-Year EBITDA Growth Rate is -58.40%. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Open Lending (LPRO), the current 3-Year EBITDA Growth Rate is -58.40% 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 $3.14 is trading 46% below its estimated GF Value™ of $5.82.
GuruFocus considers Open Lending to be Possible Value Trap.
Key valuation signals for LPRO:
3-Year EBITDA Growth Rate: -58.40%
GF Value™: $5.82 vs. price of $3.14 (46% below fair value)
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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