LPRO vs OPFI
LPRO: Open Lending provides an automated risk management and insurance-backed lending platform that helps financial institutions profitably originate loans to near-prime and non-prime auto borrowers. OPFI: A fintech-powered lending platform partnering with community banks to provide fair, transparent installment credit and financial education to everyday Americans underserved by mainstream finance.
Side-by-side fundamentals
| Metric | LPRO | OPFI | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $3.14 | $9.42 | |
| Market cap as of 2026-07-31 | $372M | $1.4B | |
| P/E as of 2026-07-31 | n/a | 20.53 | |
| Net margin as of 2026-07-31 | -6.0% | +10.9% | OPFI higher |
| Gross margin as of 2026-07-31 | +77.2% | +98.9% | OPFI higher |
| Operating margin as of 2026-07-31 | -7.4% | +26.2% | OPFI higher |
| ROE as of 2026-07-31 | -7.0% | +134.3% | OPFI higher |
| ROA as of 2026-07-31 | -2.0% | +9.2% | OPFI higher |
| Debt / equity as of 2026-07-31 | 1.10 | 3.76 | LPRO lower |
| Revenue growth (YoY) as of 2026-07-31 | +405.4% | +12.9% | LPRO higher |
| Revenue CAGR (3y) SEC XBRL | -19.6% | n/a | |
| Dividend yield as of 2026-07-31 | n/a | +0.5% | |
| Dividend streak (yrs) SEC XBRL | n/a | 2 | |
| Beta as of 2026-07-31 | 2.21 | 1.84 | |
| 1-year return as of 2026-07-27 close | +18.9% | -16.4% | LPRO higher |
Fundamentals: market data, as of 2026-07-31. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.