Open Lending Corp (LPRO)vsWells Fargo & Company (WFC)
LPRO
Open Lending Corp
$1.77
-1.12%
FINANCIAL SERVICES · Cap: $207.47M
WFC
Wells Fargo & Company
$81.51
+0.88%
FINANCIAL SERVICES · Cap: $249.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 86939% more annual revenue ($81.14B vs $93.22M). WFC leads profitability with a 26.7% profit margin vs -4.5%. WFC earns a higher WallStSmart Score of 74/100 (B).
LPRO
Avoid28
out of 100
Grade: F
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Mega-cap, among the largest globally
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.4%
Generating 4.1B 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
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : LPRO
The strongest argument for LPRO centers on Price/Book.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.45 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 : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
LPRO profiles as a turnaround stock while WFC is a mature play — different risk/reward profiles.
LPRO carries more volatility with a beta of 2.02 — expect wider price swings.
WFC is growing revenue faster at 5.7% — sustainability is the question.
WFC generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 28/100), backed by strong 26.7% 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.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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