What Is Open Lending Corporation (LPRO) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Open Lending Corporation's intrinsic value is estimated at $2.05, suggesting the stock is overvalued at its current price of $3.14. With 9 out of 12 models flagging downside (-34.6% average return), the market may be pricing in unsustainable growth. Model dispersion is worth noting: Bayesian DCF targets $5.54 (+76.5%), versus ML-RIV at $0.13 (-95.7%). This +172.2% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About LPRO?
12 of 13 models are currently active for LPRO. Of these, 3 models suggest upside while 9 models suggest overvaluation. The Bayesian DCF estimates LPRO's intrinsic value at $5.54, implying +76.5% upside from the current price. See which stocks rank higher →
How Does LPRO Rank in Personal Credit Institutions?
Among 15 Personal Credit Institutions stocks, LPRO ranks #11 by Quality of Company score. CirclFi's QOC score of 7.2/10 evaluates 32 fundamental signals. A score of 7.2 indicates above-average quality.
Within the Personal Credit Institutions space, Open Lending Corporation competes in an environment where loan loss provisions often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is LPRO a Value Trap?
CirclFi's Value Trap algorithm assigns LPRO a score of 28/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Open Lending Corporation. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Open Lending Corporation is rated at 7.2/10. This solid-tier score maintains reasonable quality metrics with some areas for improvement.
The gap between the most bullish and bearish model spans +172.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every LPRO valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across LPRO's 12 active models, average confidence is 35%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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