LPRO Stock Analysis: Buy, Sell, or Hold?

LPRO - Open Lending Corporation Common Stock

PERSONAL CREDIT INSTITUTIONS
$3.14
-0.01 (-0.32%) ▼
5d: +0.0%
30d: +0.64%
90d: +75.42%
BUY
MODERATE Confidence
Analysis Updated: Jul 29, 2026 12:00 AM ET
Earnings: Aug 05, 2026 1d

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Interactive Price Chart (1 Month)

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💡
Bottom Line:
💡 BUY OPPORTUNITY: LPRO shows positive signals but monitor for confirmation. Market pricing in 10.7% growth. Moderate conviction.
See Forward Earnings Fair Value & Price Prediction →

In-depth Analysis How we analyze

Valuation Analysis: LPRO is currently trading at $3.14, which is considered slightly high relative to its 30-day fair value range of $3.12 to $3.14. From a valuation perspective, the stock is trading at a premium (Forward PE: 16.6) compared to its historical average (12.2). At these levels, the market is pricing in 10.7% annual earnings growth.

Technical Outlook: Technically, LPRO is in a strong uptrend. The price is currently testing key support at $3.13. A bounce from this level would confirm strength, while a break below could signal further downside.

Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.

Quick Decision Summary

Current Position SLIGHTLY HIGH
Historical Trading Range $3.12 - $3.14
Company Quality Score 54/100 (HOLD)
Volume Confirmation HIGH
Confidence Score 61.4%

All Signals

  • NEUTRAL: Mixed technical signals (40/100)
  • BULLISH: High volume confirmation
  • BEARISH: Trading above Wall St target ($2.92)
  • BULLISH: Expecting earnings turnaround to 10.7% growth with -16.0% revenue growth

Trading Range Analysis

30-Day Trading Range $3.12 - $3.14
Current vs Trading Range SLIGHTLY HIGH

Support & Resistance Levels

Support Level $3.13
Resistance Level $3.15
Current Trend Strong Uptrend
Technical data as of Jul 29, 2026

Fundamental Context

Forward P/E (Next Year Est.) 16.58
Wall Street Target $2.92 (-7.3%)
Revenue Growth (YoY) -16.0%
Earnings Growth (YoY) -56.5%
Profit Margin -5.9%
Valuation Premium vs History +10.7% premium
PE vs Historical 16.6 vs 12.2 STRETCHED
Market-Implied Price Targets If current PE multiple persists
Implied Growth (YoY): +10.7% (market-implied from PE analysis)
1-Year Target $3.49 (+11%)
2-Year Target $3.86 (+23%)
3-Year Target $4.27 (+36%)
3-Yr Target (if PE normalizes) (PE: 17→12) PE COMPRESSION $3.14 (0%)
Earnings growth offset by PE compression
3-Year Scenarios Using analyst projected EPS growth
Bull: (PE: 20.8, Growth: 46.2%) $12.34 (+292%)
Base: (SPY PE: 16.6, Growth: 46.2%) $9.83 (+212%)
Bear: (PE: 12.2, Growth: 46.2%) $7.24 (+130%)
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Last updated: August 03, 2026 3:44 PM ET
Data refreshes hourly during market hours. Next update: 4:44 PM
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Ticker Score Recommendation Change %
Technical Signals Check
Insider Activity (6 Months)
0
Buys
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Sells
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Net
NEUTRAL

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