LPRO (Open Lending) 1-Year Sharpe Ratio: 0.91 (As of Jul. 15, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LPRO Open Lending Corp LPRO
70 GF Score
Price $3.14
GF Value $5.79
Valuation Possible Value Trap
! 6 Warning Signs
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What is Open Lending 1-Year Sharpe Ratio?

Open Lending LPRO -0.16% 70 1-Year Sharpe Ratio is 0.91 as of Jul. 15, 2026. GuruFocus rates LPRO with a GF Score™ of 70/100 and a GF Value™ of $5.79 (Possible Value Trap). The stock has 6 warning signs investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-07-15), Open Lending's 1-Year Sharpe Ratio is 0.91.

Open Lending  (NAS:LPRO) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

Open Lending 1-Year Sharpe Ratio Related Terms

LPRO vs RM, HTT, LX: 1-Year Sharpe Ratio Comparison

For the Credit Services subindustry, Open Lending's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe 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 1-Year Sharpe Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Open Lending's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where Open Lending's 1-Year Sharpe Ratio falls into.


LPRO
70GF Score
Open Lending Corp LPRO
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Open Lending 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 0.91 mean?
Open Lending (LPRO) has a 1-Year Sharpe Ratio of 0.91 as of Jul. 15, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Open Lending and its competitors.
Is Open Lending's 1-Year Sharpe Ratio too high?
Open Lending's current 1-Year Sharpe Ratio is 0.91. Overall, Open Lending has a GF Score™ of 70/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Open Lending's 1-Year Sharpe Ratio compare to RM and HTT?
Open Lending's 1-Year Sharpe Ratio of 0.91 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 1-Year Sharpe Ratio for a Credit Services company?
A good 1-Year Sharpe Ratio depends on the Credit Services industry context. However, 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Open Lending and its competitors. Open Lending's current 1-Year Sharpe Ratio is 0.91. 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 $5.79, compared to a current price of $3.14 — trading 45.9% below its estimated fair value. The current 1-Year Sharpe Ratio is 0.91. Open Lending's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For Open Lending (LPRO), the current 1-Year Sharpe Ratio is 0.91 as of Jul. 15, 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 $3.14 is trading 45.9% below its estimated GF Value™ of $5.79. GuruFocus considers Open Lending to be Possible Value Trap.

Key valuation signals for LPRO:

  • 1-Year Sharpe Ratio: 0.91
  • GF Value™: $5.79 vs. price of $3.14 (45.9% below fair value)
  • GF Score™: 70/100 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.
70GF Score

Get the complete analysis for LPRO

1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$3.14
Price
$5.79
GF Value