Open Lending Story

LPRO -- USA Stock

USD 37.75 0.35 0.92%

Macroaxis Story

As some conservative investors are getting more into financial services space, Open Lending Corp could be a your radar. Why are we still confident in hope for a quick recovery. This post is to show some fundamental factors affecting Open Lending's products and services. I will also disclose how it may impact the investing outlook for the company in May.

Published over a week ago

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Wild options for Open Lending institutional investors

Open Lending reported the previous year's revenue of 90.79 M. Net Loss for the year was (32.52 M) with profit before overhead, payroll, taxes, and interest of 85.04 M. The company has Profit Margin (PM) of 63.67 %, which can signify that it executes well on its competitive strategies and has good control over its expenditures. This is very large. Similarly, it shows Operating Margin (OM) of 64.63 %, which suggests for every 100 dollars of sales, it generated a net operating income of 0.65.

How important is Open Lending's Liquidity

Open Lending financial leverage refers to using borrowed capital as a funding source to finance Open Lending Corp ongoing operations. It is usually used to expand the firm's asset base and generate returns on borrowed capital. Open Lending financial leverage is typically calculated by taking the company's all interest-bearing debt and dividing it by total capital. So the higher the debt-to-capital ratio (i.e., financial leverage), the riskier the company. Please check the breakdown between Open Lending's total debt and its cash.

What do experts say?

Stock analysis is a method for investors and traders to make buying and selling decisions. By studying and evaluating past and current data, investors and traders attempt to gain an edge in the markets by making informed decisions.

It is good to see analyst projects for Open Lending, but it might be worth checking our own buy vs. sell analysis

What did Open Lending file with SEC?

The SEC filings are financial statements or other formal documents of Open Lending Corp that are regularly submitted to the U.S. Securities and Exchange Commission (SEC). Public companies, certain insiders, and broker-dealers are required to make SEC filings and fintech professionals rely on these filings for information about companies they are evaluating for investment purposes. Please note, most SEC filings are available online through the SEC's EDGAR database.

Please check here for more information.

Please note, although all public domestic companies are required to submit their filings via EDGAR, not all public companies are available through our service. Also, keep in mind that the actual annual reports to Open Lending shareholders may or may not be submitted as SEC does not always require it.

	12th of April 2021 Financial Statements and Exhibits. Termination of a Material Definitive Agreement. Entry into a Material Definitive Agreement	View
	8th of April 2021 Unclassified Corporate Event	View

Sale by Greenberg Blair J of 25481 shares of Open Lending

Legal trades by Open Lending insiders are very common, as founders, directors, or employees of any publicly traded firm often have stock or stock options. These trades are made public in the United States through the filing of Form 4 of the Securities and Exchange Commission. Below entry was recorded recently and is publicly available as an insider trade:

Open Lending insider trading alert for sale of common stock by Greenberg Blair J, the corporate stakeholder, on 8th of April 2021. This event was filed by Open Lending Corp with SEC on 2021-04-08. Statement of changes in beneficial ownership - SEC Form 4 [view details]

Note, although insider trading is legal, in the United States, Canada, Australia, and Germany, for mandatory reporting purposes, corporate insiders are defined as a company's officers, directors, and any beneficial owners of more than 10% of a class of the company's equity securities.

A Deeper Perspective

The market capitalization of Open Lending Corp is currently $1.37 Billion. Roughly 100.0 pct. of Open Lending outstanding shares are held by regular investors with 0.0 % owned by insiders and only 0.0 (%) by third-party entities. Be advised that no matter how volatile the entity is, if the real value of the company is more than the value suggested by the market, you should consider buying it.

Ownership Breakdown

Retail Investors

100.0%

	Retail Investors	100.0
	Insiders	0.0
	Institutions	0.0

A growth case for Open Lending

Latest downside deviation is at 3.95. Open Lending Corp shows above-average downside volatility for the selected time horizon. We advise investors to inspect Open Lending Corp further and ensure that all market timing and asset allocation strategies are consistent with the estimation of Open Lending future alpha. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Open Lending's stock risk against market volatility during both bullying and bearish trends. The higher level of volatility that comes with bear markets can directly impact Open Lending's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different stocks as prices fall.

Our Takeaway on Open Lending Investment

Whereas few other entities in the shell companies industry are either recovering or due for a correction, Open Lending may not be performing as strong as the other in terms of long-term growth potentials. With a less-than optimistic outlook for your 30 days horizon, it may be a good time to short some or all of your Open Lending holdings as it seems the potential growth was already fully factored into the current price. Please use our equity advice module to run different scenarios to ensure your current risk level and investment horizon are fully reflective of your current investing preferences in regards to Open Lending.

About Contributor

Achuva Shats is a Member of Macroaxs Editorial Board. Achuva writes about retail product and service companies from the perspective of a regular consumer and sophisticated investor at the same time. She is passionate about corporate ethics and equality in the workforce View Profile

This story should be regarded as informational only and should not be considered a solicitation to sell or buy any financial products. Macroaxis does not express any opinion as to the present or future value of any investments referred to in this post. This post may not be reproduced without the consent of Macroaxis LLC. Macroaxis LLC and Achuva Shats do not own shares of Open Lending Corp. Please refer to our Terms of Use for any information regarding our disclosure principles.

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