Open Lending Corporation cash flow to debt ratio of -3.63% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Open Lending Corporation's free cash flow has decreased -118.64% from $17.43M last year to $-3.25M, signaling decreasing performance

Open Lending Corporation's debt to equity ratio is 1.13, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy

Open Lending Corporation's debt has decreased relative to shareholder equity from 1.84 last year to 1.13 today, signaling strengthened financials

Open Lending Corporation has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Open Lending Corporation's interest coverage ratio is -0.76, which means that the company struggles to meet interest obligations, signaling financial risk.

Open Lending Corporation's profit margin has increased (-98.94%) in the last year from -561.98% to -5.95%, signaling increasing performance

Open Lending Corporation's short-term assets of $222.69M exceed its short-term liabilities of $49.26M

Open Lending Corporation's return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

Open Lending Corporation's return on equity of -7.04%, is lower than 15.00%, indicating bad performance

Open Lending Corporation's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Open Lending Corporation had positive net income in 3.00 out of 5 years, indicating stable and consistent earnings

Open Lending Corporation has negative free cash flow, indicating the company is burning cash rather than generating it

Open Lending Corporation has negative free cash flow, indicating cash burn

Open Lending Corporation's yearly earnings has increased -96.86% since last year from $-135.01M to $-4.24M, signaling increasing performance

Open Lending Corporation's yearly revenue has increased 288.02% since last year from $24.02M to $93.22M, signaling increasing performance

ROIC -2.76% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Open Lending Corporation's 3-year revenue CAGR of -19.63% is negative, indicating declining revenue over the past 3 years

Open Lending Corporation had revenue growth in only 2.00 out of 5 years, indicating inconsistent revenue performance

Open Lending Corporation had positive ROE in 3.00 out of 5 years, indicating consistent and reliable returns on equity

Open Lending Corporation has insufficient data to evaluate this check.

Open Lending Corporation has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Open Lending Corporation is overvalued relative to its fair value price of 1.25 based on EBITDA multiple model

Open Lending Corporation has an EV/EBITDA ratio of 61.04x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Open Lending Corporation is overvalued relative to its fair value price of 1.23 based on Earnings Fair Value model

Open Lending Corporation has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Open Lending Corporation has a price-to-book ratio of 4.88x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Open Lending Corporation has a price-to-sales ratio of 4.13x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue