LPRO (Open Lending) Risk Assessment


LPRO Open Lending Corp LPRO
71 GF Score
Price $3.12
GF Value $5.76
Valuation Possible Value Trap
! 6 Warning Signs
View Full Analysis

What is Open Lending Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Open Lending is: High Risk: High uncertainty.

Open Lending  (NAS:LPRO) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Open Lending Risk Assessment Related Terms

LPRO vs RM, HTT, LX: Risk Assessment Comparison

For the Credit Services subindustry, Open Lending's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Credit Services Industry

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

* The bar in red indicates where Open Lending's Risk Assessment falls into.


LPRO
71GF Score
Open Lending Corp LPRO
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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:

  • Risk Assessment:
  • 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

Get the complete analysis for LPRO

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$3.12
Price
$5.76
GF Value