LPRO (Open Lending) Total Payout Ratio: 0.00 (As of Jul. 15, 2026)

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Director of Data and Quant Analytics at GuruFocus
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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 $3.13
GF Value $5.79
Valuation Possible Value Trap
! 6 Warning Signs
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What is Open Lending Total Payout Ratio?

Open Lending LPRO -0.32% 70 Total Payout Ratio is 0.00 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.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

Open Lending's current Total Payout Ratio is 0.00.

Open Lending Total Payout Ratio Related Terms

Open Lending Total Payout Ratio Historical Data

* Premium members only.

The historical data trend for Open Lending's Total Payout Ratio 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 Total Payout Ratio Chart

Open Lending Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio
Get a 7-Day Free Trial 0.14 0.27 1.69 0.00 -1.15

Open Lending Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Payout Ratio 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 0.00 0.00 0.00 0.00 0.00

LPRO vs RM, HTT, LX: Total Payout Ratio Comparison

For the Credit Services subindustry, Open Lending's Total Payout Ratio, along with its competitors' market caps and Total Payout 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 Total Payout Ratio vs Credit Services Industry

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

* The bar in red indicates where Open Lending's Total Payout Ratio falls into.


LPRO
70GF Score
Open Lending Corp LPRO
Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Open Lending Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

Open Lending's Total Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-4.886 + 0 + 0) / -4.236
=-1.15

Open Lending's Total Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (0 + 0 + 0) / -0.46
=0.00

* 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.

Frequently Asked Questions Learn more about Total Payout Ratio →
What does a Total Payout Ratio of 0.00 mean?
Open Lending (LPRO) has a Total Payout Ratio of 0.00 as of Jul. 15, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Open Lending and its competitors.
Is Open Lending's Total Payout Ratio too high?
Open Lending's current Total Payout Ratio is 0.00. 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 Total Payout Ratio compare to RM and HTT?
Open Lending's Total Payout Ratio of 0.00 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 Total Payout Ratio for a Credit Services company?
A good Total Payout Ratio depends on the Credit Services industry context. However, Total Payout 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 Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Open Lending and its competitors. Open Lending's current Total Payout Ratio is 0.00. 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 $5.79, compared to a current price of $3.13 — trading 45.9% below its estimated fair value. The current Total Payout Ratio is 0.00. 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 Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For Open Lending (LPRO), the current Total Payout Ratio is 0.00 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 $3.13 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:

  • Total Payout Ratio: 0.00
  • GF Value™: $5.79 vs. price of $3.13 (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

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

$3.13
Price
$5.79
GF Value