Open Lending [LPRO] vs Visa [V] Detailed Stock Comparison

Open Lending Corporation

NASDAQ
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Visa Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Open Lending Corporation wins in 5 metrics, Visa Inc. wins in 15 metrics, with 0 ties. Visa Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Open Lending Corporation Visa Inc. Better
P/E Ratio (TTM) 29.25 28.98 Visa Inc.
Price-to-Book Ratio 2.68 15.42 Open Lending Corporation
Debt-to-Equity Ratio 117.46 54.61 Visa Inc.
PEG Ratio -0.29 1.66 Visa Inc.
EV/EBITDA 17.87 20.50 Open Lending Corporation
Profit Margin (TTM) -4.54% 50.23% Visa Inc.
Operating Margin (TTM) 3.91% 68.30% Visa Inc.
EBITDA Margin (TTM) 3.91% 68.30% Visa Inc.
Return on Equity -5.54% 53.95% Visa Inc.
Return on Assets (TTM) 1.41% 18.36% Visa Inc.
Free Cash Flow (TTM) $-4.22M $21.58B Visa Inc.
Dividend Yield N/A 0.78% N/A
1-Year Return 27.37% -10.63% Open Lending Corporation
Price-to-Sales Ratio (TTM) 2.17 14.39 Open Lending Corporation
Enterprise Value $112.66M $594.14B Visa Inc.
EV/Revenue Ratio 1.21 14.35 Open Lending Corporation
Gross Profit Margin (TTM) 75.99% 81.68% Visa Inc.
Revenue per Share (TTM) $1 $21 Visa Inc.
Earnings per Share (Diluted) $-0.04 $10.66 Visa Inc.
Beta (Stock Volatility) 2.03 0.80 Visa Inc.
Short % of Float 2.31% 1.40% Visa Inc.

Open Lending Corporation vs Visa Inc. Stock Performance Analysis

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LPRO
V

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Open Lending Corporation2.75%-10.29%23.16%62.69%17.20%39.74%
Visa Inc.-1.55%-4.64%-4.42%-2.63%-5.22%-9.84%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Open Lending Corporation27.37%-78.43%-94.18%-76.37%-76.37%-76.37%
Visa Inc.-10.63%42.65%41.81%308.26%1,549.95%1,928.34%

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

MetricLPROV
Market Information
Market Cap i$197.42M$596.57B
Market Cap CategoryMicro capMega cap
10 Day Avg. Volume i653,0546,138,912
90 Day Avg. Volume i660,6756,859,421
Last Close$2.24$312.40
52 Week Range$1.17 - $2.70$293.89 - $375.51
% from 52W High-17.04%-16.81%
All-Time High$44.00 (Jun 28, 2021)$375.51 (Jun 11, 2025)
% from All-Time High-94.91%-16.81%
Growth Metrics
Quarterly Revenue Growth-0.20%0.15%
Quarterly Earnings Growth-1.34%0.14%
Financial Health
Profit Margin (TTM) i-0.05%0.50%
Operating Margin (TTM) i0.04%0.68%
Return on Equity (TTM) i-0.06%0.54%
Debt to Equity (MRQ) i117.4654.61
Cash & Liquidity
Book Value per Share (MRQ)$0.64$20.03
Cash per Share (MRQ)$1.50$8.60
Operating Cash Flow (TTM) i$-3,194,000$24.44B
Levered Free Cash Flow (TTM) i$-5,080,500$22.03B
Dividends
Last 12-Month Dividend Yield iN/A0.78%
Last 12-Month Dividend iN/A$2.52

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

MetricLPRO (Apr 24, 2026)V (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i29.2528.98
Forward P/E i9.5021.23
PEG Ratio i-0.291.66
Price to Sales (TTM) i2.1714.39
Price to Book (MRQ) i2.6815.42
Market Capitalization
Market Capitalization i$197.42M$596.57B
Enterprise Value i$112.66M$594.14B
Enterprise Value Metrics
Enterprise to Revenue i1.2114.35
Enterprise to EBITDA i17.8720.50
Risk & Other Metrics
Beta i2.030.80
Book Value per Share (MRQ) i$0.64$20.03

Financial Statements Comparison: Open Lending Corporation vs Visa 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)V (2025)
Revenue/Sales i93.22M40.00B
Cost of Goods Sold i21.56M7.86B
COGS % of Revenue i23.1%19.6%
Gross Profit i71.66M32.15B
Gross Margin i76.9%80.4%
Research & Development i8.78MN/A
Operating Income (EBIT) i-5.01M26.56B
Operating Margin i-5.4%66.4%
EBITDA i6.70M27.78B
EBITDA Margin i7.2%69.4%
Pre-Tax Income i-5.37M24.19B
Pre-Tax Income % of Revenue i-5.8%60.5%
Income Tax i-1.13M4.14B
Income Tax % of Revenue i-1.2%10.3%
Net Income (Profit) i-4.24M20.06B
Profit Margin i-4.5%50.1%

Balance Sheet & Liquidity Metrics

MetricLPRO (2025)V (2025)
Cash & Equivalents i176.61M17.16B
Total Current Assets i222.69M37.77B
Total Current Assets % of Revenue i238.9%94.4%
Total Current Liabilities i49.26M35.05B
Total Current Liabilities % of Revenue i52.8%87.6%
Long-Term Debt i107.22M19.60B
Long-Term Debt % of Revenue i115.0%49.0%
Total Shareholders Equity i74.96M37.91B
Retained Earnings i-333.00M15.11B
Retained Earnings % of Revenue i-357.2%37.8%
Property, Plant & Equipment i3.52M0

Cash Flow Statement Comparison

MetricLPRO (2025)V (2025)
Operating Cash Flow i-6.92M22.89B
Operating Cash Flow % of Revenue i-7.4%57.2%
Capital Expenditures i-56,000-1.48B
Free Cash Flow i-4.22M21.58B
FCF Margin i-4.5%53.9%
Debt Repayment i-55.50M0
Common Stock Repurchase i-4.89M-18.32B

Short Interest & Institutional Ownership Analysis

MetricLPROV
Shares Short i2.71M23.46M
Short Ratio i4.453.17
Short % of Float i2.31%1.40%
Shares Outstanding i117.66M1.93B
Float Shares i88.75M1.74B
% Held by Insiders i1.34%0.59%
% Held by Institutions i77.00%90.99%
% Held by Public i21.66%8.42%

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

MetricLPROV
Last 12-Month Dividend iN/A$2.52
Last 12-Month Dividend Yield iN/A0.78%
3-Year Avg Annual Dividend iN/A$2.23
3-Year Avg Dividend Yield iN/A0.19%
3-Year Total Dividends iN/A$6.68
Ex-Dividend DateN/AFeb 10, 2026