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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Open LendingLPRO 70 3-1 Month Momentum % is 81.58% as of Jul. 19, 2026. GuruFocus rates LPRO with a GF Score™ of 70/100 and a GF Value™ of $5.80 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 560 Credit Services companies, Open Lending ranks better than 98.39% on this metric.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-19), Open Lending's 3-1 Month Momentum % is 81.58%.
The industry rank for Open Lending's 3-1 Month Momentum % or its related term are showing as below:
LPRO's 3-1 Month Momentum % is ranked better than 98.39% of 560
companies
in the Credit Services industry
Industry Median: -2.515
vs LPRO: 81.58
Open Lending (NAS:LPRO) 3-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Open Lending 3-1 Month Momentum % Related Terms
LPRO vs RM, HTT, LX: 3-1 Month Momentum % Comparison
For the Credit Services subindustry, Open Lending's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Open Lending's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Open Lending's 3-1 Month Momentum % falls into.
Open Lending (NAS:LPRO) 3-1 Month Momentum % Calculation
3-1 Month Momentum % is calculated as following:
3-1 Month Momentum %
=
( Price 1-month ago
/
Price 3-month ago
- 1 )
*
100 %
* 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 3-1 Month Momentum % of 81.58% as of Jul. 19, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Open Lending and its competitors. According to the industry distribution chart, Open Lending ranks #9 out of 560 companies in the Credit Services industry, placing it in the top 1.6%.
Is Open Lending's 3-1 Month Momentum % too high?
Open Lending's current 3-1 Month Momentum % is 81.58%. Based on the distribution chart, Open Lending ranks #9 out of 560 companies in the Credit Services industry, which is in the top quartile — a strong position 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 3-1 Month Momentum % compare to RM and HTT?
According to the Credit Services industry distribution chart, Open Lending ranks #9 out of 560 companies for 3-1 Month Momentum %. This places Open Lending in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Credit Services company?
A good 3-1 Month Momentum % depends on the Credit Services industry context. However, 3-1 Month Momentum % 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Open Lending and its competitors. Open Lending's current 3-1 Month Momentum % is 81.58%. 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 $5.80, compared to a current price of $3.14 — trading 45.9% below its estimated fair value. The current 3-1 Month Momentum % is 81.58%. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Open Lending (LPRO), the current 3-1 Month Momentum % is 81.58% as of Jul. 19, 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 45.9% below its estimated GF Value™ of $5.80.
GuruFocus considers Open Lending to be Possible Value Trap.
Key valuation signals for LPRO:
3-1 Month Momentum %: 81.58%
GF Value™: $5.80 vs. price of $3.14 (45.9% 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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3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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