LPRO (Open Lending) ROCE %: 1.86% (As of Mar. 2026)

What is Open Lending ROCE %?

Open Lending LPRO +0.32% 71 ROCE % is 1.86% as of Mar. 2026. 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Open Lending's annualized ROCE % for the quarter that ended in Mar. 2026 was 1.86%.

Open Lending (NAS:LPRO) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Open Lending ROCE % Related Terms

Open Lending ROCE % Historical Data

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The historical data trend for Open Lending's ROCE % 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 ROCE % Chart

Open Lending Annual Data

Trend

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROCE %

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67.50

29.61

11.01

-17.69

1.97

Open Lending Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROCE %	Get a 7-Day Free Trial															5.13	5.55	-8.44	4.97	1.86

71GF Score

Open Lending Corp LPRO

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Open Lending ROCE % Calculation

Open Lending's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %	=	EBIT	/	( (Capital Employed	+	Capital Employed)	/ count )
		(A: Dec. 2025 )		(A: Dec. 2024 )		(A: Dec. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(A: Dec. 2025 )		(A: Dec. 2024 )		(A: Dec. 2025 )
	=	4.293	/	( ( (296.368 - 47.252)	+	(236.679 - 49.258) )	/ 2 )
	=	4.293	/	( (249.116	+	187.421)	/ 2 )
	=	4.293	/	218.2685
	=	1.97 %

Open Lending's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %	=	EBIT ⁽¹⁾	/	( (Capital Employed	+	Capital Employed)	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	3.436	/	( ( (236.679 - 49.258)	+	(231.087 - 49.137) )	/ 2 )
	=	3.436	/	( ( 187.421	+	181.95 )	/ 2 )
	=	3.436	/	184.6855
	=	1.86 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

Frequently Asked Questions Learn more about ROCE % →

What does a ROCE % of 1.86% mean?

Open Lending (LPRO) has a ROCE % of 1.86% as of Mar. 2026.

Is Open Lending's ROCE % too high?

Open Lending's current ROCE % is 1.86%. The Credit Services industry median ROCE % is 3.39. Open Lending's value of 1.86% is 45.1% below this industry median. 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 ROCE % compare to OPRT and MFIN?

Open Lending's ROCE % of 1.86% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. Open Lending's value of 1.86% is 45.1% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROCE % for a Credit Services company?

The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Open Lending's current ROCE % of 1.86% is 45.1% 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 ROCE % mean?

A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Open Lending's current ROCE % is 1.86%. 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 ROCE % is 1.86% and 45.1% below the Credit Services industry median of 3.39. 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 ROCE % calculated?

ROCE % is calculated from a company's financial statements. For Open Lending (LPRO), the current ROCE % is 1.86% 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:

ROCE %: 1.86%
GF Value™: $5.73 vs. price of $3.13 (45.5% below fair value)
GF Score™: 71/100 with 6 warning signs
Industry Position: 45.1% below the Credit Services median

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

Industry Financial Services Credit Services

Comparable Companies OPRT MFIN JFIN CPSS RM PMTS XYF ANTA FOA LX V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Address 1501 S. Mopac Expressway, Suite 450, Austin, TX, USA, 78746

Website https://www.openlending.com

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

$3.13

Price

$5.73

GF Value

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