Open Lending [LPRO] vs Mastercard [MA] Detailed Stock Comparison

Open Lending Corporation

NASDAQ
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Mastercard Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Open Lending Corporation wins in 7 metrics, Mastercard Inc. wins in 13 metrics, with 0 ties. Mastercard Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Open Lending Corporation Mastercard Inc. Better
P/E Ratio (TTM) 29.25 30.95 Open Lending Corporation
Price-to-Book Ratio 2.68 59.09 Open Lending Corporation
Debt-to-Equity Ratio 117.46 256.04 Open Lending Corporation
PEG Ratio -0.29 1.27 Mastercard Inc.
EV/EBITDA 17.87 22.63 Open Lending Corporation
Profit Margin (TTM) -4.54% 45.65% Mastercard Inc.
Operating Margin (TTM) 3.91% 57.73% Mastercard Inc.
EBITDA Margin (TTM) 3.91% 57.73% Mastercard Inc.
Return on Equity -5.54% 209.92% Mastercard Inc.
Return on Assets (TTM) 1.41% 23.72% Mastercard Inc.
Free Cash Flow (TTM) $-4.22M $16.43B Mastercard Inc.
Dividend Yield N/A 0.55% N/A
1-Year Return 27.37% -15.65% Open Lending Corporation
Price-to-Sales Ratio (TTM) 2.17 13.92 Open Lending Corporation
Enterprise Value $112.66M $464.97B Mastercard Inc.
EV/Revenue Ratio 1.21 14.18 Open Lending Corporation
Gross Profit Margin (TTM) 75.99% 79.35% Mastercard Inc.
Revenue per Share (TTM) $1 $36 Mastercard Inc.
Earnings per Share (Diluted) $-0.04 $16.52 Mastercard Inc.
Beta (Stock Volatility) 2.03 0.83 Mastercard Inc.
Short % of Float 2.31% 0.70% Mastercard Inc.

Open Lending Corporation vs Mastercard Inc. Stock Performance Analysis

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LPRO
MA

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Open Lending Corporation2.75%-10.29%23.16%62.69%17.20%39.74%
Mastercard Inc.2.17%-4.75%-6.58%-10.06%-14.84%-16.26%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Open Lending Corporation27.37%-78.43%-94.18%-76.37%-76.37%-76.37%
Mastercard Inc.-15.65%32.18%34.96%414.40%1,682.68%10,410.21%

Performance & Financial Health Analysis: Open Lending Corporation vs Mastercard Inc.

MetricLPROMA
Market Information
Market Cap i$197.42M$448.34B
Market Cap CategoryMicro capMega cap
10 Day Avg. Volume i653,0543,152,477
90 Day Avg. Volume i660,6753,291,506
Last Close$2.24$481.76
52 Week Range$1.17 - $2.70$464.52 - $601.77
% from 52W High-17.04%-19.94%
All-Time High$44.00 (Jun 28, 2021)$601.77 (Aug 22, 2025)
% from All-Time High-94.91%-19.94%
Growth Metrics
Quarterly Revenue Growth-0.20%0.18%
Quarterly Earnings Growth-1.34%0.22%
Financial Health
Profit Margin (TTM) i-0.05%0.46%
Operating Margin (TTM) i0.04%0.58%
Return on Equity (TTM) i-0.06%2.10%
Debt to Equity (MRQ) i117.46256.04
Cash & Liquidity
Book Value per Share (MRQ)$0.64$8.65
Cash per Share (MRQ)$1.50$12.22
Operating Cash Flow (TTM) i$-3,194,000$17.65B
Levered Free Cash Flow (TTM) i$-5,080,500$16.27B
Dividends
Last 12-Month Dividend Yield iN/A0.55%
Last 12-Month Dividend iN/A$3.15

Valuation & Enterprise Metrics Analysis: Open Lending Corporation vs Mastercard Inc.

MetricLPRO (Apr 24, 2026)MA (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i29.2530.95
Forward P/E i9.5022.56
PEG Ratio i-0.291.27
Price to Sales (TTM) i2.1713.92
Price to Book (MRQ) i2.6859.09
Market Capitalization
Market Capitalization i$197.42M$448.34B
Enterprise Value i$112.66M$464.97B
Enterprise Value Metrics
Enterprise to Revenue i1.2114.18
Enterprise to EBITDA i17.8722.63
Risk & Other Metrics
Beta i2.030.83
Book Value per Share (MRQ) i$0.64$8.65

Financial Statements Comparison: Open Lending Corporation vs Mastercard Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricLPRO (2025)MA (2025)
Revenue/Sales i93.22M32.79B
Cost of Goods Sold i21.56M7.25B
COGS % of Revenue i23.1%22.1%
Gross Profit i71.66M25.54B
Gross Margin i76.9%77.9%
Research & Development i8.78MN/A
Operating Income (EBIT) i-5.01M19.51B
Operating Margin i-5.4%59.5%
EBITDA i6.70M20.82B
EBITDA Margin i7.2%63.5%
Pre-Tax Income i-5.37M18.58B
Pre-Tax Income % of Revenue i-5.8%56.7%
Income Tax i-1.13M3.61B
Income Tax % of Revenue i-1.2%11.0%
Net Income (Profit) i-4.24M14.97B
Profit Margin i-4.5%45.6%

Balance Sheet & Liquidity Metrics

MetricLPRO (2025)MA (2025)
Cash & Equivalents i176.61M10.57B
Total Current Assets i222.69M23.56B
Total Current Assets % of Revenue i238.9%71.8%
Total Current Liabilities i49.26M22.76B
Total Current Liabilities % of Revenue i52.8%69.4%
Long-Term Debt i107.22M18.25B
Long-Term Debt % of Revenue i115.0%55.7%
Total Shareholders Equity i74.96M7.75B
Retained Earnings i-333.00M85.04B
Retained Earnings % of Revenue i-357.2%259.3%
Property, Plant & Equipment i3.52M3.71B

Cash Flow Statement Comparison

MetricLPRO (2025)MA (2025)
Operating Cash Flow i-6.92M19.44B
Operating Cash Flow % of Revenue i-7.4%59.3%
Capital Expenditures i-56,000-489.00M
Free Cash Flow i-4.22M16.43B
FCF Margin i-4.5%50.1%
Debt Repayment i-55.50M-750.00M
Common Stock Repurchase i-4.89M-11.73B

Short Interest & Institutional Ownership Analysis

MetricLPROMA
Shares Short i2.71M6.24M
Short Ratio i4.451.83
Short % of Float i2.31%0.70%
Shares Outstanding i117.66M894.04M
Float Shares i88.75M883.99M
% Held by Insiders i1.34%0.55%
% Held by Institutions i77.00%90.43%
% Held by Public i21.66%9.02%

Dividend Analysis & Yield Comparison: Open Lending Corporation vs Mastercard Inc.

MetricLPROMA
Last 12-Month Dividend iN/A$3.15
Last 12-Month Dividend Yield iN/A0.55%
3-Year Avg Annual Dividend iN/A$2.75
3-Year Avg Dividend Yield iN/A0.14%
3-Year Total Dividends iN/A$8.26
Ex-Dividend DateN/AJan 09, 2026