Open Lending Corp (LPRO)vsPayPal Holdings Inc (PYPL)
LPRO
Open Lending Corp
$1.26
-8.03%
FINANCIAL SERVICES · Cap: $161.92M
PYPL
PayPal Holdings Inc
$44.85
+1.45%
FINANCIAL SERVICES · Cap: $41.37B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 35486% more annual revenue ($33.17B vs $93.22M). PYPL leads profitability with a 15.8% profit margin vs -4.5%. PYPL earns a higher WallStSmart Score of 78/100 (B+).
LPRO
Avoid30
out of 100
Grade: F
PYPL
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for LPRO.
Margin of Safety
+82.3%
Fair Value
$253.19
Current Price
$44.85
$208.34 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Every $100 of equity generates 26 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 39.4% YoY
Generating 2.2B in free cash flow
Areas to Watch
3.0% revenue growth
Smaller company, higher risk/reward
Operating margin of 3.9%
ROE of -5.5% — below average capital efficiency
3.7% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : LPRO
The strongest argument for LPRO centers on Price/Book.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. Profitability is solid with margins at 15.8% and operating margin at 17.5%. PEG of 0.69 suggests the stock is reasonably priced for its growth.
Bear Case : LPRO
The primary concerns for LPRO are Revenue Growth, Market Cap, Operating Margin.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
LPRO profiles as a turnaround stock while PYPL is a value play — different risk/reward profiles.
LPRO carries more volatility with a beta of 2.08 — expect wider price swings.
PYPL is growing revenue faster at 3.7% — sustainability is the question.
PYPL generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
PYPL scores higher overall (78/100 vs 30/100), backed by strong 15.8% margins. 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.
PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
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