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LPRO vs V

LPRO
Open Lending Corporation
NEUTRAL
Price
$1.54
Market Cap
$182.0M
Sector
Financial Services
AI Confidence
70%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
LPRO
--
V
28.35
Forward P/E
LPRO
8.56
V
20.79
P/B Ratio
LPRO
2.42
V
15.09
P/S Ratio
LPRO
1.95
V
14.08
EV/EBITDA
LPRO
14.7
V
20.06

Profitability

Gross Margin
LPRO
76.88%
V
97.78%
Operating Margin
LPRO
3.91%
V
68.3%
Profit Margin
LPRO
-4.54%
V
50.23%
ROE
LPRO
-5.54%
V
53.95%
ROA
LPRO
1.41%
V
18.36%

Growth

Revenue Growth
LPRO
--
V
14.6%
Earnings Growth
LPRO
--
V
17.4%

Financial Health

Debt/Equity
LPRO
1.17
V
0.55
Current Ratio
LPRO
4.52
V
1.11
Quick Ratio
LPRO
4.17
V
0.72

Dividends

Dividend Yield
LPRO
--
V
0.89%
Payout Ratio
LPRO
0.0%
V
22.91%

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)
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

LPRO vs V: Head-to-Head Comparison

This page compares Open Lending Corporation (LPRO) and Visa Inc. (V) 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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