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LPRO vs MA

LPRO
Open Lending Corporation
NEUTRAL
Price
$1.54
Market Cap
$182.0M
Sector
Financial Services
AI Confidence
70%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
LPRO
--
MA
30.28
Forward P/E
LPRO
8.56
MA
22.05
P/B Ratio
LPRO
2.42
MA
57.74
P/S Ratio
LPRO
1.95
MA
13.6
EV/EBITDA
LPRO
14.7
MA
22.13

Profitability

Gross Margin
LPRO
76.88%
MA
100.0%
Operating Margin
LPRO
3.91%
MA
57.73%
Profit Margin
LPRO
-4.54%
MA
45.65%
ROE
LPRO
-5.54%
MA
209.91%
ROA
LPRO
1.41%
MA
23.72%

Growth

Revenue Growth
LPRO
--
MA
17.6%
Earnings Growth
LPRO
--
MA
24.2%

Financial Health

Debt/Equity
LPRO
1.17
MA
2.56
Current Ratio
LPRO
4.52
MA
1.03
Quick Ratio
LPRO
4.17
MA
0.68

Dividends

Dividend Yield
LPRO
--
MA
0.7%
Payout Ratio
LPRO
0.0%
MA
18.4%

AI Verdict

LPRO NEUTRAL

LPRO presents a complex profile with a Piotroski F-Score of 4/9, indicating stable but mediocre financial health. While the company maintains strong liquidity (Current Ratio 4.52) and high gross margins (76.88%), it is plagued by negative net profit margins and a catastrophic 5-year price decline of 96%. The low Forward P/E of 8.56 and bullish analyst targets suggest a potential recovery play, but extreme earnings volatility and negative ROE temper the outlook.

Strengths
Strong liquidity position with a Current Ratio of 4.52
High Gross Margin of 76.88% indicating strong core product value
Attractive Forward P/E of 8.56 relative to sector averages
Risks
Negative Profit Margin (-4.54%) and negative ROE (-5.54%)
Extreme earnings volatility, including a massive miss in March 2025
Severe long-term value destruction (-96% over 5 years)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

LPRO vs MA: Head-to-Head Comparison

This page compares Open Lending Corporation (LPRO) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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