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Open LendingLPRO -0.32%70 EV-to-EBIT is 173.22 as of Jul. 15, 2026, which is 1498% above its 10-year median of 10.84. GuruFocus rates LPRO with a GF Score™ of 70/100 and a GF Value™ of $5.79 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 311 Credit Services companies, Open Lending ranks worse than 94.86% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Open Lending's Enterprise Value for the quarter that ended in Mar. 2026 was $104.81 Mil.
Open Lending's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.89 Mil.
* 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 EV-to-EBIT Related Terms
Open Lending EV-to-EBIT Historical Data
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The historical data trend for Open Lending's EV-to-EBIT 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 EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Open Lending's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Open Lending's EV-to-EBIT falls into.
Open Lending's current Enterprise Value is $327.39 Mil.
Open Lending's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.89 Mil.
* 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 EV-to-EBIT of 173.22 as of Jul. 15, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Open Lending and its competitors. This is 1498% above median its historical median of 10.84. According to the industry distribution chart, Open Lending ranks #295 out of 311 companies in the Credit Services industry, placing it in the top 94.9%.
Is Open Lending's EV-to-EBIT too high?
Open Lending's current EV-to-EBIT of 173.22 is 1498% above median its 10-year median of 10.84. The Credit Services industry median EV-to-EBIT is 24.20. Open Lending's value of 173.22 is 615.8% above this industry median. Based on the distribution chart, Open Lending ranks #295 out of 311 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Open Lending has a GF Score™ of 70/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Open Lending's EV-to-EBIT compare to RM and HTT?
According to the Credit Services industry distribution chart, Open Lending ranks #295 out of 311 companies for EV-to-EBIT. This places Open Lending in the lower half of its industry. The industry median EV-to-EBIT is 24.20. Open Lending's value of 173.22 is 615.8% above this benchmark. While the company's 10-year median is 10.84 vs. the industry median of 24.20, Open Lending has consistently been above 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 24.20, based on 311 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Open Lending's current EV-to-EBIT of 173.22 is 615.8% above 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Open Lending and its competitors. For the Credit Services industry, the median EV-to-EBIT is 24.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Open Lending's current EV-to-EBIT is 173.22, which is 1498% above median its own 10-year median of 10.84. 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 $5.79, compared to a current price of $3.13 — trading 45.9% below its estimated fair value. The current EV-to-EBIT is 173.22, which is 1498% above median its 10-year median of 10.84 and 615.8% above the Credit Services industry median of 24.20. Open Lending's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Open Lending (LPRO), the current EV-to-EBIT is 173.22 as of Jul. 15, 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 45.9% below its estimated GF Value™ of $5.79.
GuruFocus considers Open Lending to be Possible Value Trap.
Key valuation signals for LPRO:
EV-to-EBIT: 173.22 (1498% above median its 10-year median of 10.84)
GF Value™: $5.79 vs. price of $3.13 (45.9% below fair value)
Industry Position: 615.8% above the Credit Services median (#295 of 311)
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.
70GF Score
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