Open Lending Corp (LPRO)vsSynchrony Financial (SYF)
LPRO
Open Lending Corp
$3.14
0.00%
FINANCIAL SERVICES · Cap: $371.53M
SYF
Synchrony Financial
$75.99
+0.73%
FINANCIAL SERVICES · Cap: $25.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 10993% more annual revenue ($9.91B vs $89.31M). SYF leads profitability with a 35.5% profit margin vs -6.0%. SYF earns a higher WallStSmart Score of 75/100 (B).
LPRO
Avoid21
out of 100
Grade: F
SYF
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
No standout strengths identified
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 50.2%
Every $100 of equity generates 21 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
ROE of -7.0% — below average capital efficiency
Revenue declined 16.0%
0.6% revenue growth
3.6% earnings growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : LPRO
LPRO has a balanced fundamental profile.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 35.5% and operating margin at 50.2%. PEG of 0.99 suggests the stock is reasonably priced for its growth.
Bear Case : LPRO
The primary concerns for LPRO are Market Cap, Debt/Equity, Return on Equity.
Bear Case : SYF
The primary concerns for SYF are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
LPRO profiles as a turnaround stock while SYF is a value play — different risk/reward profiles.
LPRO carries more volatility with a beta of 2.20 — expect wider price swings.
SYF is growing revenue faster at 0.6% — sustainability is the question.
SYF generates stronger free cash flow (2.4B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (75/100 vs 21/100), backed by strong 35.5% 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.
Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
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