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Open LendingLPRO +0.32%70 EV-to-FCF is -394.45 as of Jul. 15, 2026. 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 264 Credit Services companies, Open Lending ranks worse than 378787.5% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Open Lending's Enterprise Value is $328.58 Mil.
Open Lending's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $-0.83 Mil. Therefore, Open Lending's EV-to-FCF for today is -394.45.
The historical rank and industry rank for Open Lending's EV-to-FCF or its related term are showing as below:
LPRO'
s EV-to-FCF Range Over the Past 10 Years
Min: -394.45 Med: 12.63 Max: 230.87
Current: -394.45
During the past 8 years, the highest EV-to-FCF of Open Lending was 230.87. The lowest was -394.45. And the median was 12.63.
LPRO's EV-to-FCF is ranked worse than 100% of 264
companies
in the Credit Services industry
Industry Median: 13.705
vs LPRO: -394.45
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Open Lending's PE Ratio (TTM) for today is calculated as:
Open Lending's share price for today is $3.14.
Open Lending's Earnings per Share (Diluted) 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 $-0.040.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Open Lending EV-to-FCF Related Terms
Open Lending EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Open Lending's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Open Lending's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Open Lending's EV-to-FCF falls into.
Open Lending's current Enterprise Value is $328.58 Mil.
Open Lending's Free Cash Flow 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 $-0.83 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-FCF of -394.45 as of Jul. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Open Lending and its competitors. According to the industry distribution chart, Open Lending ranks #999999 out of 264 companies in the Credit Services industry.
Is Open Lending's EV-to-FCF too high?
Open Lending's current EV-to-FCF is -394.45. Based on the distribution chart, Open Lending ranks #999999 out of 264 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-FCF compare to RM and HTT?
According to the Credit Services industry distribution chart, Open Lending ranks #999999 out of 264 companies for EV-to-FCF. This places Open Lending in the lower half of its industry. The industry median EV-to-FCF is 13.71. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.71, based on 264 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Open Lending and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Open Lending's current EV-to-FCF is -394.45. 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 $3.14 — trading 45.8% below its estimated fair value. The current EV-to-FCF is -394.45. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Open Lending (LPRO), the current EV-to-FCF is -394.45 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 $3.14 is trading 45.8% below its estimated GF Value™ of $5.79.
GuruFocus considers Open Lending to be Possible Value Trap.
Key valuation signals for LPRO:
EV-to-FCF: -394.45
GF Value™: $5.79 vs. price of $3.14 (45.8% 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.
70GF Score
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