Open Lending (LPRO) Competitors

Open Lending (NASDAQ:LPRO) and Bread Financial (NYSE:BFH) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their community ranking, valuation, profitability, earnings, risk, analyst recommendations, institutional ownership, media sentiment and dividends.

Is LPRO or BFH more profitable?

Bread Financial has a net margin of 6.37% compared to Open Lending's net margin of 4.78%. Bread Financial's return on equity of 13.33% beat Open Lending's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Open Lending	4.78%	2.15%	1.20%
Bread Financial	6.37%	13.33%	1.82%

Do analysts prefer LPRO or BFH?

Open Lending currently has a consensus price target of $6.83, suggesting a potential upside of 9.68%. Bread Financial has a consensus price target of $50.00, suggesting a potential downside of 12.57%. Given Open Lending's stronger consensus rating and higher probable upside, equities research analysts plainly believe Open Lending is more favorable than Bread Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Open Lending	0 Sell rating(s)	4 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.43
Bread Financial	3 Sell rating(s)	9 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.12

Which has stronger earnings & valuation, LPRO or BFH?

Bread Financial has higher revenue and earnings than Open Lending. Bread Financial is trading at a lower price-to-earnings ratio than Open Lending, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Open Lending	$117.46M	6.33	$22.07M	$0.03	207.67
Bread Financial	$3.93B	0.72	$718M	$6.28	9.11

Does the MarketBeat Community favor LPRO or BFH?

Open Lending received 63 more outperform votes than Bread Financial when rated by MarketBeat users. Likewise, 56.62% of users gave Open Lending an outperform vote while only 19.72% of users gave Bread Financial an outperform vote.

Company	Underperform	Outperform
Open Lending	Outperform Votes 77 56.62%	Underperform Votes 59 43.38%
Bread Financial	Outperform Votes 14 19.72%	Underperform Votes 57 80.28%

Do insiders & institutionals have more ownership in LPRO or BFH?

78.1% of Open Lending shares are held by institutional investors. Comparatively, 99.5% of Bread Financial shares are held by institutional investors. 15.0% of Open Lending shares are held by insiders. Comparatively, 0.6% of Bread Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Which has more risk & volatility, LPRO or BFH?

Open Lending has a beta of 1.13, suggesting that its stock price is 13% more volatile than the S&P 500. Comparatively, Bread Financial has a beta of 1.94, suggesting that its stock price is 94% more volatile than the S&P 500.

Does the media refer more to LPRO or BFH?

In the previous week, Bread Financial had 14 more articles in the media than Open Lending. MarketBeat recorded 16 mentions for Bread Financial and 2 mentions for Open Lending. Bread Financial's average media sentiment score of 0.83 beat Open Lending's score of 0.25 indicating that Bread Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Open Lending	1 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Bread Financial	6 Very Positive mention(s)	3 Positive mention(s)	6 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

Bread Financial beats Open Lending on 11 of the 18 factors compared between the two stocks.