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ZYBERNO

Stock Report

Updated Aug 31, 2026

OPEN LENDING CORPORATION (LPRO)

Financial Services • NASDAQ

$3.14

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

13.0/100

POOR BUSINESS

OPEN LENDING CORPORATION (LPRO) scores 13/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full LPRO quality analysis & detailed breakdown

VALUATION SIGNAL

N/A (Requires more data)

Requires fair value calculation and current price data

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full LPRO valuation analysis · → View full LPRO Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (-4.8%)

Debt-to-Equity (Solvency Risk):POOR (1.13x)

Operating Margin (Operational Efficiency):CRITICAL (-5.0%)

Return on Capital (Capital Efficiency):CRITICAL (-5.8%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

OPEN LENDING CORPORATION (LPRO) stock report — Zyberno Score 13/100 (POOR BUSINESS). Full financial analysis on Zyberno.

Over the trailing twelve months, LPRO generated -$131.00K in Owner Earnings. Capital was deployed as follows: $11.00K invested in capital expenditures. Reinvestment rate: 70.3%.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:3.14

Market Cap:$369.82M

Valuation Multiples (3)

P/B Ratio:4.91x

P/S Ratio:4.14x

Peg Ratio:-999.00x

Enterprise Metrics (1)

Enterprise Value:$279.46M

Price Action & Momentum (3)

12-1 Momentum:

+43.8% (85th pctile)

📈 Click to view full LPRO Momentum analysis →

Momentum Percentile:85 / 100

% of 52-Week High:99.7%

B. Profitability Assessment

Return Metrics (5)

ROE:

-4.8%

📊 Click to view full LPRO ROE analysis →

ROA:-1.4%

Roic:

-5.8%

📊 Click to view full LPRO ROIC analysis →

Reinvestment Rate:70.3%

Fundamental Growth Rate (g):-4.1%

Margin Analysis (3)

Operating Margin Ttm:-5.0%

Net Margin Ttm:-4.1%

Ebitda Margin:-2.2%

TTM Performance (3)

Gross Margin Ttm:77.2%

Operating Margin Ttm:-5.0%

Net Margin Ttm:-4.1%

Yield Metrics (2)

Earnings Yield:-$1.59

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

+0.14

📊 Click to view full LPRO Earnings Surprise analysis →

EPS Surprise vs Expected:100.0%

Latest Earnings Filed:2026-05-08

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):-26.7%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):-50.0%

Cash Flow Growth (Linear) (2)

Free Cash Flow Growth Rate (Linear):-50.0%

Operating Cash Flow Growth Rate (Linear):-50.0%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):-50.0%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:4.44x

Quick Ratio:4.44x

Cash Ratio:3.53x

Leverage Analysis (3)

Debt To Equity Ttm:1.13x

Debt-to-Equity Ratio:1.13x

Debt To Ebitda:-999.00x

Coverage Ratios (2)

Interest Coverage Ratio:-0.60x

Times Interest Earned:-0.60

Capital Structure (4)

Working Capital:168,991,000.00

Cash And Cash Equivalents:173,308,000.00

Long Term Debt:$75.44M

Net Debt:-$90.36M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $89.32M

Linear Growth: -26.7%

📊 Click to view full LPRO Revenue analysis & methodology →

Cost Of Revenue Ttm:$20.33M

Profitability Breakdown (2)

Gross profit TTM: $68.99M

Linear Growth: -21.1%

📊 Click to view full LPRO Gross Profit analysis & methodology →

Operating income TTM: -$4.46M

Linear Growth: -50.0%

📊 Click to view full LPRO Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: -$3.66M

Linear Growth: -50.0%

📊 Click to view full LPRO Net Income analysis & methodology →

Income Before Tax:-$4.73M

Ebitda Ttm:-1,941,000.00

Operating Expenses (5)

Operating Expenses:75,391,000.00

R And D Expense:8,277,000.00

Sga Expense:53,778,000.00

Income Tax Expense:-$1.20M

Interest Expense:8,402,000.00

Expense Ratios (3)

R And D To Revenue Percentage:40.4%

Sga To Revenue Percentage:262.4%

Ebitda Margin:-2.2%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$231.09M

Current Assets:$218.13M

Ppe Net:399,000.00

Goodwill:0.00

Intangible Assets:$0.00

Liability Structure (4)

Total Liabilities:155,772,000.00

Current Liabilities:49,137,000.00

Long Term Debt:$75.44M

Short Term Debt:$7.50M

Equity & Capital (3)

Equity:$75.32M

Retained Earnings:-$333.46M

Common Stock:550,000,000.00

Working Capital Items (3)

Accounts Receivable:4,754,000.00

Inventory:0.00

Accounts Payable:5,960,000.00

Special Items (2)

Contract Liabilities:0.00

Stock Based Compensation:1,131,000.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: -$120.00K

Linear Growth: -50.0%

Free cash flow TTM: -$131.00K

Linear Growth: -50.0%

📊 Click to view full LPRO Free Cash Flow analysis & methodology →

Investment Activities (2)

Investing Cash Flow:-$289.00K

Capital Expenditures Ttm:11,000.00

Financing Activities (3)

Financing Cash Flow:-$2.21M

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:2,522,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):-0.05

Eps diluted TTM: -$0.05

Linear Growth: -50.0%

📊 Click to view full LPRO EPS analysis & methodology →

Earnings Per Share Ttm:-$0.03

Revenue & Cash Per Share (2)

Sales Per Share Ttm:0.76

Operating Cash Flow Per Share:-$0.03

Book Value & Capital (2)

Book Value Per Share:$0.64

Cash Per Share:1.47

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.34x

Working Capital Turnover Ttm:0.53x

Receivables Management (2)

Receivables Turnover Ttm:18.79x

Days Sales Outstanding Ttm:19.43

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:107.03

Cash Conversion Cycle:-1,086.60

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:40.00

Quality Score:25.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (1)

-$131.00K

Damodaran Growth Analysis (2)

Reinvestment Rate:70.3%

Fundamental Growth Rate (g):-4.1%

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):-26.7%

Net Income Growth Rate (Linear):-50.0%

Operating Income Growth Rate (Linear):-50.0%

Cash Flow Growth Rates (2)

Free Cash Flow Growth Rate (Linear):-50.0%

Operating Cash Flow Growth Rate (Linear):-50.0%

Other Growth Rates (2)

Gross Profit Growth Rate (Linear):-21.1%

Book Value Growth Rate (Linear):-21.8%

C. Company Profile & Context

Corporate Information (6)

Symbol:LPRO

Company Name:OPEN LENDING CORPORATION

Sector:Financial Services

Industry:Consumer Finance

Exchange:NASDAQ

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:low

Volume Category:N/A

Share Structure (3)

Shares Outstanding:117.78M

Shares Outstanding Basic:117.78M

Shares Outstanding Diluted:117.78M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-31 04:41:45 UTC

Data Timestamp:2026-08-18T14:17:59.510416