LPRO (Open Lending) ROE % Adjusted to Book Value: -1.25% (As of Mar. 2026)


LPRO Open Lending Corp LPRO
71 GF Score
Price $3.13
GF Value $5.73
Valuation Possible Value Trap
! 6 Warning Signs
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What is Open Lending ROE % Adjusted to Book Value?

Open Lending LPRO +0.32% 71 ROE % Adjusted to Book Value is -1.25% 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.

Open Lending's ROE % for the quarter that ended in Mar. 2026 was -2.45%. Open Lending's PB Ratio for the quarter that ended in Mar. 2026 was 1.96. Open Lending's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was -1.25%.

Open Lending ROE % Adjusted to Book Value Related Terms

Open Lending ROE % Adjusted to Book Value Historical Data

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The historical data trend for Open Lending's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Open Lending Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial 8.82 9.14 2.14 -10.43 -2.28

Open Lending Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.76 1.80 -11.63 3.75 -1.25

LPRO vs OPRT, MFIN, JFIN: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, Open Lending's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Open Lending's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Open Lending's ROE % Adjusted to Book Value falls into.


LPRO
71GF Score
Open Lending Corp LPRO
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Open Lending ROE % Adjusted to Book Value Calculation

Open Lending's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-5.54% / 2.43
=-2.28%

Open Lending's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-2.45% / 1.96
=-1.25%

* 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.

What does a ROE % Adjusted to Book Value of -1.25% mean?
Open Lending (LPRO) has a ROE % Adjusted to Book Value of -1.25% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Open Lending and its competitors.
Is Open Lending's ROE % Adjusted to Book Value too high?
Open Lending's current ROE % Adjusted to Book Value is -1.25%. 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 ROE % Adjusted to Book Value compare to OPRT and MFIN?
Open Lending's ROE % Adjusted to Book Value of -1.25% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Open Lending and its competitors. Open Lending's current ROE % Adjusted to Book Value is -1.25%. 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 ROE % Adjusted to Book Value is -1.25%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Open Lending (LPRO), the current ROE % Adjusted to Book Value is -1.25% 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:

  • ROE % Adjusted to Book Value: -1.25%
  • GF Value™: $5.73 vs. price of $3.13 (45.5% 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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$3.13
Price
$5.73
GF Value