Open Lending Corp. (LPRO)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$3.140.00%
Close 2026-08-07 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · LPRO
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 0 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $3.14, LPRO's earnings are too small for P/E to mean much; on sales it trades at 4.9× p/b (3.1× the 1.6× p/b peer median, and 1.0× even its own history). At a normal multiple the price implies ~91% near-term growth vs our ~19% forecast. That gap is an optionality premium a financial-multiple model can't price — our $1.64 fair value covers only the as-is business, low confidence. Analysts target $3.00–$3.15. Note: our $1.64 fair value sits below the entire analyst range ($3.00–$3.15). Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $3.15 | — | — | Analyst | medium |
| graham number | 12M | $0.88 | — | — | TTM | medium |
| Peer P/B | 12M | $1.02 | 1.6 | 0.64 | TTM | medium |
| Peer P/E | 12M | $0.51 | 9.4 | 0.05 | TTM | medium |
| Peer P/S | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Bottom 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
$3.00 – $3.15 (median $3.15) · 3 analysts · as of 2026-06-26
Only expensive valuation — not the full expensive x weak x turbulent stack. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Not enough peers to compare yet.
Self-history needs ~20 months of data.
Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $1.13 |
| 1.5 |
| 0.76 |
| TTM |
| medium |
| residual income | 12M | $0.59 | — | — | TTM | medium |
| triangulated | 12M | $0.49 | 9.4 | 0.05 | Triangulated | medium |
| Peer P/B | 3Y | $0.36 | 1.6 | 0.23 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $1.91 | 9.4 | 0.20 | Hist. CAGR(prov.) | medium |
| Peer P/S | 3Y | $1.81 | 1.5 | 1.22 | Analyst | medium |
| Peer P/E | 5Y | $2.52 | 9.4 | 0.27 | Hist. CAGR(prov.) | medium |
| Peer P/S | 5Y | $2.40 | 1.5 | 1.61 | Analyst | medium |