Open LendingLPRO +0.32%71 Quick Ratio is 4.44 as of Mar. 2026, which is 56% below its 10-year median of 10.05. GuruFocus rates LPRO with a GF Score™ of 71/100 and a GF Value™ of $5.73 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 394 Credit Services companies, Open Lending ranks worse than 51.02% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. Open Lending's quick ratio for the quarter that ended in Mar. 2026 was 4.44.
Open Lending has a quick ratio of 4.44. It generally indicates good short-term financial strength.
The historical rank and industry rank for Open Lending's Quick Ratio or its related term are showing as below:
LPRO'
s Quick Ratio Range Over the Past 10 Years
Min: 4.44 Med: 10.05 Max: 18.58
Current: 4.44
During the past 8 years, Open Lending's highest Quick Ratio was 18.58. The lowest was 4.44. And the median was 10.05.
LPRO's Quick Ratio is ranked worse than 51.02% of 394
companies
in the Credit Services industry
Industry Median: 4.93
vs LPRO: 4.44
Open Lending (NAS:LPRO) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Open Lending Quick Ratio Related Terms
Open Lending Quick Ratio Historical Data
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The historical data trend for Open Lending's Quick Ratio 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 Quick Ratio, along with its competitors' market caps and Quick Ratio 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Open Lending's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Open Lending's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Open Lending's Quick Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Quick Ratio of 4.44 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Open Lending and its competitors. This is 56% below median its historical median of 10.05. Over the past decade, Open Lending's Quick Ratio has ranged from 4.44 to 18.58. According to the industry distribution chart, Open Lending ranks #201 out of 394 companies in the Credit Services industry, placing it in the top 51%.
Is Open Lending's Quick Ratio too high?
Open Lending's current Quick Ratio of 4.44 is 56% below median its 10-year median of 10.05. Over the past 10 years, this metric has ranged from a low of 4.44 to a high of 18.58. The Credit Services industry median Quick Ratio is 4.93. Open Lending's value of 4.44 is 9.9% below this industry median. Based on the distribution chart, Open Lending ranks #201 out of 394 companies in the Credit Services industry, which is below the industry midpoint. 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 Quick Ratio compare to OPRT and MFIN?
According to the Credit Services industry distribution chart, Open Lending ranks #201 out of 394 companies for Quick Ratio. This places Open Lending in the lower half of its industry. The industry median Quick Ratio is 4.93. Open Lending's value of 4.44 is 9.9% below this benchmark. Historically, Open Lending's own Quick Ratio has ranged from 4.44 to 18.58 over the past decade. While the company's 10-year median is 10.05 vs. the industry median of 4.93, Open Lending has consistently been below 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.93, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Open Lending's current Quick Ratio of 4.44 is 9.9% below 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Open Lending and its competitors. For the Credit Services industry, the median Quick Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Open Lending's current Quick Ratio is 4.44, which is 56% below median its own 10-year median of 10.05. 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 $5.73, compared to a current price of $3.13 — trading 45.5% below its estimated fair value. The current Quick Ratio is 4.44, which is 56% below median its 10-year median of 10.05 and 9.9% below the Credit Services industry median of 4.93. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Open Lending (LPRO), the current Quick Ratio is 4.44 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 $3.13 is trading 45.5% below its estimated GF Value™ of $5.73.
GuruFocus considers Open Lending to be Possible Value Trap.
Key valuation signals for LPRO:
Quick Ratio: 4.44 (56% below median its 10-year median of 10.05)
GF Value™: $5.73 vs. price of $3.13 (45.5% below fair value)
Industry Position: 9.9% below the Credit Services median (#201 of 394)
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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