LPRO (Open Lending) GF Value Rank: 4 (As of Jul. 06, 2026) — 43% Below Median


LPRO Open Lending Corp LPRO
71 GF Score
Price $3.12
GF Value $5.76
Valuation Possible Value Trap
! 6 Warning Signs
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What is Open Lending GF Value Rank?

Open Lending LPRO +0.16% 71 GF Value Rank is 4 as of Jul. 06, 2026, which is 43% below its 10-year median of 7.00. GuruFocus rates LPRO with a GF Score™ of 71/100 and a GF Value™ of $5.76 (Possible Value Trap). The stock has 6 warning signs investors should review.

Open Lending has the GF Value Rank of 4.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Open Lending GF Value Rank Related Terms

LPRO vs RM, HTT, LX: GF Value Rank Comparison

For the Credit Services subindustry, Open Lending's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Open Lending's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Open Lending's GF Value Rank falls into.


LPRO
71GF Score
Open Lending Corp LPRO
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 4 mean?
Open Lending (LPRO) has a GF Value Rank of 4 as of Jul. 06, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Open Lending and its competitors. This is 43% below median its historical median of 7.00. Over the past decade, Open Lending's GF Value Rank has ranged from 2.00 to 10.00.
Is Open Lending's GF Value Rank too high?
Open Lending's current GF Value Rank of 4 is 43% below median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 10.00. 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 GF Value Rank compare to RM and HTT?
Open Lending's GF Value Rank of 4 can be compared against companies in the Credit Services industry. Historically, Open Lending's own GF Value Rank has ranged from 2.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Credit Services company?
A good GF Value Rank depends on the Credit Services industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Open Lending and its competitors. Open Lending's current GF Value Rank is 4, which is 43% below median its own 10-year median of 7.00. 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 $5.76, compared to a current price of $3.12 — trading 45.9% below its estimated fair value. The current GF Value Rank is 4, which is 43% below median its 10-year median of 7.00. 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 GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Open Lending (LPRO), the current GF Value Rank is 4 as of Jul. 06, 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 $3.12 is trading 45.9% below its estimated GF Value™ of $5.76. GuruFocus considers Open Lending to be Possible Value Trap.

Key valuation signals for LPRO:

  • GF Value Rank: 4 (43% below median its 10-year median of 7.00)
  • GF Value™: $5.76 vs. price of $3.12 (45.9% below fair value)
  • GF Score™: 71/100 with 6 warning signs

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 Business Description

Address 1501 S. Mopac Expressway, Suite 450, Austin, TX, USA, 78746
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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GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$3.12
Price
$5.76
GF Value