Comprehensive Stock Comparison
Compare Open Lending Corporation (LPRO) vs Capital One Financial Corporation (COF) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | COF | 9.0% revenue growth vs LPRO's -79.5% |
| Value | COF | Lower P/E (9.7x vs 11.4x) |
| Quality / Margins | COF | 8.8% net margin vs LPRO's -5.6% |
| Stability / Safety | LPRO | Beta 1.42 vs COF's 1.53 |
| Dividends | COF | 1.2% yield; 2-year raise streak; LPRO pays no meaningful dividend |
| Momentum (1Y) | COF | -1.1% vs LPRO's -72.7% |
| Efficiency (ROA) | COF | 0.2% ROA vs LPRO's -52.3%, ROIC 4.1% vs -17.0% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Open Lending provides a SaaS platform that enables automotive lenders — primarily credit unions and regional banks — to make near-prime auto loans with reduced risk. It generates revenue through a combination of platform fees, loan facilitation fees, and a share of the insurance premiums from the default protection it helps arrange. The company's moat lies in its proprietary risk analytics and automated underwriting technology, which creates a data-driven ecosystem that traditional lenders struggle to replicate.
Capital One is a diversified financial services company that operates primarily as a credit card issuer and consumer bank. It generates revenue through three main segments: credit card interest and fees (its largest segment), consumer banking services, and commercial banking operations. The company's key advantage lies in its sophisticated data analytics and technology platform—which enables targeted marketing and risk assessment—coupled with its direct banking model that reduces physical branch costs.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
COF leads in 4 of 6 categories — strongest in Financial Metrics and Valuation Metrics. 1 category is tied.
Financial Metrics (TTM)
COF is the larger business by revenue, generating $53.9B annually — 2245.2x LPRO's $24M. COF is the more profitable business, keeping 8.8% of every revenue dollar as net income compared to LPRO's -5.6%.
| Metric | LPROOpen Lending Corp… | COFCapital One Finan… |
|---|---|---|
| RevenueTrailing 12 months | $24M | $53.9B |
| EBITDAEarnings before interest/tax | -$82M | $6.1B |
| Net IncomeAfter-tax profit | -$150M | $1.4B |
| Free Cash FlowCash after capex | -$13M | $20.8B |
| Gross MarginGross profit ÷ Revenue | +0.7% | +50.8% |
| Operating MarginEBIT ÷ Revenue | -2.7% | +11.0% |
| Net MarginNet income ÷ Revenue | -5.6% | +8.8% |
| FCF MarginFCF ÷ Revenue | +72.6% | +31.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -6.0% | +9.5% |
Valuation Metrics
| Metric | LPROOpen Lending Corp… | COFCapital One Finan… |
|---|---|---|
| Market CapShares × price | $157M | $124.4B |
| Enterprise ValueMkt cap + debt − cash | $58M | $126.7B |
| Trailing P/EPrice ÷ TTM EPS | -1.18x | 16.88x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.44x | 9.67x |
| PEG RatioP/E ÷ EPS growth rate | — | 10.08x |
| EV / EBITDAEnterprise value multiple | — | 13.85x |
| Price / SalesMarket cap ÷ Revenue | 6.54x | 2.31x |
| Price / BookPrice ÷ Book value/share | 2.03x | 1.23x |
| Price / FCFMarket cap ÷ FCF | 9.02x | 7.34x |
Profitability & Efficiency
COF delivers a 1.2% return on equity — every $100 of shareholder capital generates $1 in annual profit, vs $-2 for LPRO. COF carries lower financial leverage with a 0.75x debt-to-equity ratio, signaling a more conservative balance sheet compared to LPRO's 1.84x. On the Piotroski fundamental quality scale (0–9), COF scores 5/9 vs LPRO's 3/9, reflecting solid financial health.
| Metric | LPROOpen Lending Corp… | COFCapital One Finan… |
|---|---|---|
| ROE (TTM)Return on equity | -2.1% | +1.2% |
| ROA (TTM)Return on assets | -52.3% | +0.2% |
| ROICReturn on invested capital | -17.0% | +4.1% |
| ROCEReturn on capital employed | -21.7% | +4.6% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 5 |
| Debt / EquityFinancial leverage | 1.84x | 0.75x |
| Net DebtTotal debt minus cash | -$99M | $2.3B |
| Cash & Equiv.Liquid assets | $243M | $43.2B |
| Total DebtShort + long-term debt | $144M | $45.6B |
| Interest CoverageEBIT ÷ Interest expense | -7.43x | 0.11x |
Total Returns (with DRIP)
A $10,000 investment in COF five years ago would be worth $16,819 today (with dividends reinvested), compared to $325 for LPRO. Over the past 12 months, COF leads with a -1.1% total return vs LPRO's -72.7%. The 3-year compound annual growth rate (CAGR) favors COF at 23.1% vs LPRO's -42.7% — a key indicator of consistent wealth creation.
| Metric | LPROOpen Lending Corp… | COFCapital One Finan… |
|---|---|---|
| YTD ReturnYear-to-date | -14.7% | -20.8% |
| 1-Year ReturnPast 12 months | -72.7% | -1.1% |
| 3-Year ReturnCumulative with dividends | -81.2% | +86.3% |
| 5-Year ReturnCumulative with dividends | -96.8% | +68.2% |
| 10-Year ReturnCumulative with dividends | -86.2% | +228.4% |
| CAGR (3Y)Annualised 3-year return | -42.7% | +23.1% |
Risk & Volatility
LPRO is the less volatile stock with a 1.42 beta — it tends to amplify market swings less than COF's 1.53 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. COF currently trades 75.4% from its 52-week high vs LPRO's 26.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | LPROOpen Lending Corp… | COFCapital One Finan… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.42x | 1.53x |
| 52-Week HighHighest price in past year | $5.00 | $259.64 |
| 52-Week LowLowest price in past year | $0.70 | $143.22 |
| % of 52W HighCurrent price vs 52-week peak | +26.6% | +75.4% |
| RSI (14)Momentum oscillator 0–100 | 38.4 | 45.1 |
| Avg Volume (50D)Average daily shares traded | 527K | 4.5M |
Analyst Outlook
Wall Street rates LPRO as "Hold" and COF as "Buy". Consensus price targets imply 1027.8% upside for LPRO (target: $15) vs 39.9% for COF (target: $274). COF is the only dividend payer here at 1.24% yield — a key consideration for income-focused portfolios.
| Metric | LPROOpen Lending Corp… | COFCapital One Finan… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $15.00 | $273.62 |
| # AnalystsCovering analysts | 12 | 56 |
| Dividend YieldAnnual dividend ÷ price | — | +1.2% |
| Dividend StreakConsecutive years of raises | 2 | 2 |
| Dividend / ShareAnnual DPS | — | $2.43 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.1% | +0.6% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | 100 | 17.43 | -82.6% |
| Capital One Financi… (COF) | 100 | 244.54 | +144.5% |
Capital One Financi… (COF) returned +68% over 5 years vs Open Lending Corpor… (LPRO)'s -97%. A $10,000 investment in COF 5 years ago would be worth $16,819 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | $32M | $24M | -25.8% |
| Capital One Financi… (COF) | $25.0B | $53.9B | +115.4% |
Capital One Financial Corporation's revenue grew from $25.0B (2015) to $53.9B (2024) — a 8.9% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | -0.1% | -5.6% | -5828.1% |
| Capital One Financi… (COF) | 16.2% | 8.8% | -45.6% |
Capital One Financial Corporation's net margin went from 16% (2015) to 9% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | 31.5 | 47.3 | +50.2% |
| Capital One Financi… (COF) | 28.5 | 15.4 | -46.0% |
Open Lending Corporation has traded in a 6x–47x P/E range over 5 years; current trailing P/E is ~-1x. Capital One Financial Corporation has traded in a 5x–29x P/E range over 8 years; current trailing P/E is ~17x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | -0 | -1.13 | -112900.0% |
| Capital One Financi… (COF) | 7.07 | 11.59 | +63.9% |
Capital One Financial Corporation's EPS grew from $7.07 (2015) to $11.59 (2024) — a 6% CAGR.
Chart 6Free Cash Flow — 5 Years
Open Lending Corporation generated $17M FCF in 2024 (-81% vs 2021). Capital One Financial Corporation generated $17B FCF in 2024 (+46% vs 2021).
LPRO vs COF: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is LPRO or COF a better buy right now?
Capital One Financial Corporation (COF) offers the better valuation at 16.9x trailing P/E (9.7x forward), making it the more compelling value choice. Analysts rate Capital One Financial Corporation (COF) a "Buy" — based on 56 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — LPRO or COF?
On forward P/E, Capital One Financial Corporation is actually cheaper at 9.7x.
03Which is the better long-term investment — LPRO or COF?
Over the past 5 years, Capital One Financial Corporation (COF) delivered a total return of +68.2%, compared to -96.8% for Open Lending Corporation (LPRO). A $10,000 investment in COF five years ago would be worth approximately $17K today (assuming dividends reinvested). Over 10 years, the gap is even starker: COF returned +228.4% versus LPRO's -86.2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — LPRO or COF?
By beta (market sensitivity over 5 years), Open Lending Corporation (LPRO) is the lower-risk stock at 1.42β versus Capital One Financial Corporation's 1.53β — meaning COF is approximately 8% more volatile than LPRO relative to the S&P 500. On balance sheet safety, Capital One Financial Corporation (COF) carries a lower debt/equity ratio of 75% versus 184% for Open Lending Corporation — giving it more financial flexibility in a downturn.
05Which has better profit margins — LPRO or COF?
Capital One Financial Corporation (COF) is the more profitable company, earning 8.8% net margin versus -562.0% for Open Lending Corporation — meaning it keeps 8.8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: COF leads at 11.0% versus -272.1% for LPRO. At the gross margin level — before operating expenses — COF leads at 50.8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is LPRO or COF more undervalued right now?
On forward earnings alone, Capital One Financial Corporation (COF) trades at 9.7x forward P/E versus 11.4x for Open Lending Corporation — 1.8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for LPRO: 1027.8% to $15.00.
07Which pays a better dividend — LPRO or COF?
In this comparison, COF (1.2% yield) pays a dividend. LPRO does not pay a meaningful dividend and should not be held primarily for income.
08Is LPRO or COF better for a retirement portfolio?
For long-horizon retirement investors, Capital One Financial Corporation (COF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (1.2% yield, +228.4% 10Y return). Both have compounded well over 10 years (COF: +228.4%, LPRO: -86.2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between LPRO and COF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: LPRO is a small-cap quality compounder stock; COF is a mid-cap deep-value stock. COF pays a dividend while LPRO does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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