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Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2024-04-27), Open Lending's Intrinsic Value: Projected FCF is $0.00. The stock price of Open Lending is $4.96. Therefore, Open Lending's Price-to-Intrinsic-Value-Projected-FCF of today is 0.0.
The historical rank and industry rank for Open Lending's Intrinsic Value: Projected FCF or its related term are showing as below:
The historical data trend for Open Lending's Intrinsic Value: Projected 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.
Open Lending Annual Data | |||||||||||||||
Trend | Dec18 | Dec19 | Dec20 | Dec21 | Dec22 | Dec23 | |||||||||
Intrinsic Value: Projected FCF | Get a 7-Day Free Trial | - | - | - | - | - |
Open Lending Quarterly Data | ||||||||||||||||||||
Dec18 | Jun19 | Sep19 | Dec19 | Mar20 | Jun20 | Sep20 | Dec20 | Mar21 | Jun21 | Sep21 | Dec21 | Mar22 | Jun22 | Sep22 | Dec22 | Mar23 | Jun23 | Sep23 | Dec23 | |
Intrinsic Value: Projected FCF | Get a 7-Day Free Trial | - | - | - | - | - |
For the Credit Services subindustry, Open Lending's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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.
For the Credit Services industry and Financial Services sector, Open Lending's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Open Lending's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)
In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):
Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)
Open Lending (NAS:LPRO) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Open Lending's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF | = | Share Price | / | Intrinsic Value: Projected FCF |
= | 4.96 | / | ||
= |
* 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.
Thank you for viewing the detailed overview of Open Lending's Intrinsic Value: Projected FCF provided by GuruFocus.com. Please click on the following links to see related term pages.
John Joseph Flynn | director, officer: See Remarks | C/O OPEN LENDING CORPORATION, 1501 S. MOPAC EXPRESSWAY, SUITE 450, AUSTIN TX 78746 |
Shawna Kelley Shelor | officer: Chief People Officer | C/O OPEN LENDING CORPORATION, 1501 S. MOPAC EXPRESSWAY, SUITE 450, AUSTIN TX 78746 |
Thomas K Hegge | director | C/O OPEN LENDING CORPORATION, 1501 S. MOPAC EXPRESSWAY, SUITE 450, AUSTIN TX 78746 |
Shubhi Suryaji Rao | director | OPEN LENDING CORPORATION, BARTON OAKS ONE 901 S MOPAC EXPRESSWAY, AUSTIN TX 78746 |
Matthew Stark | officer: EVP and General Counsel | C/O OPEN LENDING CORPORATION, 1501 S. MOPAC EXPRESSWAY, SUITE 450, AUSTIN TX 78746 |
Matthew Roe | officer: Chief Revenue Officer | C/O OPEN LENDING CORPORATION, 1501 S. MOPAC EXPRESSWAY, SUITE 450, AUSTIN TX 78746 |
Thinh Nguyen | officer: Chief Information Officer | C/O OPEN LENDING CORPORATION, 1501 S. MOPAC EXPRESSWAY, SUITE 450, AUSTIN TX 78746 |
Simona Fillarini | officer: Chief Human Resources Officer | C/O OPEN LENDING CORPORATION, 1501 S. MOPAC EXPRESSWAY, SUITE 450, AUSTIN TX 78746 |
Cecilia Camarillo | officer: Chief Accounting Officer | C/O OPEN LENDING CORPORATION, 1501 S. MOPAC EXPRESSWAY, SUITE 450, AUSTIN TX 78746 |
Sarah Lackey | officer: Chief Technology Officer | C/O OPEN LENDING CORPORATION, 1501 S. MOPAC EXPRESSWAY, SUITE 450, AUSTIN TX 78746 |
Keith Jezek | director, officer: Chief Executive Officer | C/O OPEN LENDING CORPORATION, 1501 S. MOPAC EXPRESSWAY, SUITE 450, AUSTIN TX 78746 |
Charles D Jehl | officer: Chief Financial Officer | C/O OPEN LENDING CORPORATION, 1501 S. MOPAC EXPRESSWAY, SUITE 450, AUSTIN TX 78746 |
Ross M. Jessup | director, officer: See Remarks | BARTON OAKS ONE, 901 S. MOPAC EXPRESSWAY, BLDG 1 STE 510, AUSTIN TX 78746 |
Bregal Sagemount I, L.p. | 10 percent owner | SECOND FLOOR, WINDWARD HOUSE, LA ROUTE DE LA LIBERATION, ST. HELIER Y9 JE2 3BQ |
Blair J. Greenberg | director | C/O BREGAL INVESTEMENTS, INC., SECOND FLOOR, WINDWARD HOUSE, LA ROUTE D, ST. HELIER CHANNEL ISLANDS Y9 JE2 3BQ |
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