Open Lending Corp (LPRO)vsMastercard Inc (MA)
LPRO
Open Lending Corp
$2.11
-5.80%
FINANCIAL SERVICES · Cap: $249.44M
MA
Mastercard Inc
$491.08
+0.71%
FINANCIAL SERVICES · Cap: $422.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 37899% more annual revenue ($33.94B vs $89.31M). MA leads profitability with a 45.9% profit margin vs -6.0%. MA earns a higher WallStSmart Score of 70/100 (B).
LPRO
Avoid22
out of 100
Grade: F
MA
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
No standout strengths identified
Mega-cap, among the largest globally
Every $100 of equity generates 232 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 60.8%
Safe zone — low bankruptcy risk
15.8% revenue growth
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
ROE of -7.0% — below average capital efficiency
Revenue declined 16.0%
Expensive relative to growth rate
Moderate valuation
Trading at 64.8x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : LPRO
LPRO has a balanced fundamental profile.
Bull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 45.9% and operating margin at 60.8%. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : LPRO
The primary concerns for LPRO are Market Cap, Debt/Equity, Return on Equity.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.82 is elevated, increasing financial risk.
Key Dynamics to Monitor
LPRO profiles as a turnaround stock while MA is a growth play — different risk/reward profiles.
LPRO carries more volatility with a beta of 2.27 — expect wider price swings.
MA is growing revenue faster at 15.8% — sustainability is the question.
MA generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
MA scores higher overall (70/100 vs 22/100), backed by strong 45.9% margins and 15.8% revenue growth. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Open Lending Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Open Lending Corporation provides loan enablement and risk analysis solutions to credit unions, regional banks, and captive OEM finance companies in the United States. The company is headquartered in Austin, Texas.
Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
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