Comprehensive Stock Comparison
Compare Open Lending Corporation (LPRO) vs Ally Financial Inc. (ALLY) 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 | ALLY | -25.7% revenue growth vs LPRO's -79.5% |
| Value | ALLY | Lower P/E (7.5x vs 11.4x) |
| Quality / Margins | ALLY | 7.0% net margin vs LPRO's -5.6% |
| Stability / Safety | ALLY | Beta 1.23 vs LPRO's 1.42, lower leverage |
| Dividends | Tie | Neither pays a meaningful dividend |
| Momentum (1Y) | ALLY | +9.5% vs LPRO's -72.7% |
| Efficiency (ROA) | ALLY | 0.4% ROA vs LPRO's -52.3%, ROIC 2.2% 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.
Ally Financial is a digital financial services company that provides consumer and commercial banking products primarily through online channels. It generates revenue mainly from automotive financing (roughly 70% of total revenue) and insurance operations, supplemented by mortgage lending and corporate finance services. The company's key advantage is its low-cost digital-only operating model—without physical branches—which allows it to offer competitive rates while maintaining strong customer loyalty in its core auto lending business.
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
ALLY leads in 5 of 6 categories (Financial Metrics, Valuation Metrics). LPRO leads in 1 (Analyst Outlook).
Financial Metrics (TTM)
ALLY is the larger business by revenue, generating $12.2B annually — 505.9x LPRO's $24M. ALLY is the more profitable business, keeping 7.0% of every revenue dollar as net income compared to LPRO's -5.6%.
| Metric | LPROOpen Lending Corp… | ALLYAlly Financial In… |
|---|---|---|
| RevenueTrailing 12 months | $24M | $12.2B |
| EBITDAEarnings before interest/tax | -$82M | $2.0B |
| Net IncomeAfter-tax profit | -$150M | $852M |
| Free Cash FlowCash after capex | -$13M | -$295M |
| Gross MarginGross profit ÷ Revenue | +0.7% | +52.0% |
| Operating MarginEBIT ÷ Revenue | -2.7% | +8.6% |
| Net MarginNet income ÷ Revenue | -5.6% | +7.0% |
| FCF MarginFCF ÷ Revenue | +72.6% | — |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -6.0% | +2.7% |
Valuation Metrics
| Metric | LPROOpen Lending Corp… | ALLYAlly Financial In… |
|---|---|---|
| Market CapShares × price | $157M | $12.2B |
| Enterprise ValueMkt cap + debt − cash | $58M | $23.9B |
| Trailing P/EPrice ÷ TTM EPS | -1.18x | 16.64x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.44x | 7.47x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 12.16x |
| Price / SalesMarket cap ÷ Revenue | 6.54x | 1.00x |
| Price / BookPrice ÷ Book value/share | 2.03x | 0.80x |
| Price / FCFMarket cap ÷ FCF | 9.02x | — |
Profitability & Efficiency
ALLY delivers a 5.5% return on equity — every $100 of shareholder capital generates $5 in annual profit, vs $-2 for LPRO. ALLY carries lower financial leverage with a 1.40x debt-to-equity ratio, signaling a more conservative balance sheet compared to LPRO's 1.84x. On the Piotroski fundamental quality scale (0–9), ALLY scores 4/9 vs LPRO's 3/9, reflecting mixed financial health.
| Metric | LPROOpen Lending Corp… | ALLYAlly Financial In… |
|---|---|---|
| ROE (TTM)Return on equity | -2.1% | +5.5% |
| ROA (TTM)Return on assets | -52.3% | +0.4% |
| ROICReturn on invested capital | -17.0% | +2.2% |
| ROCEReturn on capital employed | -21.7% | +3.0% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 4 |
| Debt / EquityFinancial leverage | 1.84x | 1.40x |
| Net DebtTotal debt minus cash | -$99M | $11.7B |
| Cash & Equiv.Liquid assets | $243M | $10.0B |
| Total DebtShort + long-term debt | $144M | $21.8B |
| Interest CoverageEBIT ÷ Interest expense | -7.43x | 0.22x |
Total Returns (with DRIP)
A $10,000 investment in ALLY five years ago would be worth $10,541 today (with dividends reinvested), compared to $325 for LPRO. Over the past 12 months, ALLY leads with a +9.5% total return vs LPRO's -72.7%. The 3-year compound annual growth rate (CAGR) favors ALLY at 12.7% vs LPRO's -42.7% — a key indicator of consistent wealth creation.
| Metric | LPROOpen Lending Corp… | ALLYAlly Financial In… |
|---|---|---|
| YTD ReturnYear-to-date | -14.7% | -13.2% |
| 1-Year ReturnPast 12 months | -72.7% | +9.5% |
| 3-Year ReturnCumulative with dividends | -81.2% | +43.2% |
| 5-Year ReturnCumulative with dividends | -96.8% | +5.4% |
| 10-Year ReturnCumulative with dividends | -86.2% | +172.9% |
| CAGR (3Y)Annualised 3-year return | -42.7% | +12.7% |
Risk & Volatility
ALLY is the less volatile stock with a 1.23 beta — it tends to amplify market swings less than LPRO's 1.42 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ALLY currently trades 83.4% 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… | ALLYAlly Financial In… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.42x | 1.23x |
| 52-Week HighHighest price in past year | $5.00 | $47.27 |
| 52-Week LowLowest price in past year | $0.70 | $29.52 |
| % of 52W HighCurrent price vs 52-week peak | +26.6% | +83.4% |
| RSI (14)Momentum oscillator 0–100 | 38.4 | 49.3 |
| Avg Volume (50D)Average daily shares traded | 527K | 2.9M |
Analyst Outlook
Wall Street rates LPRO as "Hold" and ALLY as "Buy". Consensus price targets imply 1027.8% upside for LPRO (target: $15) vs 30.3% for ALLY (target: $51).
| Metric | LPROOpen Lending Corp… | ALLYAlly Financial In… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $15.00 | $51.40 |
| # AnalystsCovering analysts | 12 | 38 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | 2 | 0 |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | +1.1% | 0.0% |
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% |
| Ally Financial Inc. (ALLY) | 100 | 164.56 | +64.6% |
Ally Financial Inc. (ALLY) returned +5% over 5 years vs Open Lending Corpor… (LPRO)'s -97%. A $10,000 investment in ALLY 5 years ago would be worth $10,541 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | $32M | $24M | -25.8% |
| Ally Financial Inc. (ALLY) | $9.8B | $12.2B | +23.8% |
Ally Financial Inc.'s revenue grew from $9.8B (2016) to $12.2B (2025) — a 2.4% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | -0.1% | -5.6% | -5828.1% |
| Ally Financial Inc. (ALLY) | 10.9% | 7.0% | -35.5% |
Ally Financial Inc.'s net margin went from 11% (2016) to 7% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | 31.5 | 47.3 | +50.2% |
| Ally Financial Inc. (ALLY) | 14.3 | 19.1 | +33.6% |
Open Lending Corporation has traded in a 6x–47x P/E range over 5 years; current trailing P/E is ~-1x. Ally Financial Inc. has traded in a 5x–20x P/E range over 9 years; current trailing P/E is ~17x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | -0 | -1.13 | -112900.0% |
| Ally Financial Inc. (ALLY) | 2.15 | 2.37 | +10.2% |
Ally Financial Inc.'s EPS grew from $2.15 (2016) to $2.37 (2025) — a 1% CAGR.
Chart 6Free Cash Flow — 5 Years
Open Lending Corporation generated $17M FCF in 2024 (-81% vs 2021). Ally Financial Inc. generated $0M FCF in 2025 (+100% vs 2021).
LPRO vs ALLY: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is LPRO or ALLY a better buy right now?
Ally Financial Inc. (ALLY) offers the better valuation at 16.6x trailing P/E (7.5x forward), making it the more compelling value choice. Analysts rate Ally Financial Inc. (ALLY) a "Buy" — based on 38 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 ALLY?
On forward P/E, Ally Financial Inc. is actually cheaper at 7.5x.
03Which is the better long-term investment — LPRO or ALLY?
Over the past 5 years, Ally Financial Inc. (ALLY) delivered a total return of +5.4%, compared to -96.8% for Open Lending Corporation (LPRO). A $10,000 investment in ALLY five years ago would be worth approximately $11K today (assuming dividends reinvested). Over 10 years, the gap is even starker: ALLY returned +172.9% 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 ALLY?
By beta (market sensitivity over 5 years), Ally Financial Inc. (ALLY) is the lower-risk stock at 1.23β versus Open Lending Corporation's 1.42β — meaning LPRO is approximately 15% more volatile than ALLY relative to the S&P 500. On balance sheet safety, Ally Financial Inc. (ALLY) carries a lower debt/equity ratio of 140% versus 184% for Open Lending Corporation — giving it more financial flexibility in a downturn.
05Which has better profit margins — LPRO or ALLY?
Ally Financial Inc. (ALLY) is the more profitable company, earning 7.0% net margin versus -562.0% for Open Lending Corporation — meaning it keeps 7.0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ALLY leads at 8.6% versus -272.1% for LPRO. At the gross margin level — before operating expenses — ALLY leads at 52.0%, 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 ALLY more undervalued right now?
On forward earnings alone, Ally Financial Inc. (ALLY) trades at 7.5x forward P/E versus 11.4x for Open Lending Corporation — 4.0x 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 ALLY?
None of the stocks in this comparison currently pay a material dividend. All are effectively zero-yield and should be held for capital appreciation rather than income.
08Is LPRO or ALLY better for a retirement portfolio?
For long-horizon retirement investors, Ally Financial Inc. (ALLY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.23), +172.9% 10Y return). Both have compounded well over 10 years (ALLY: +172.9%, 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 ALLY?
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; ALLY is a mid-cap deep-value stock. 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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