Comprehensive Stock Comparison
Compare Open Lending Corporation (LPRO) vs ORIX Corporation (IX) 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 | IX | 2.1% revenue growth vs LPRO's -79.5% |
| Value | IX | Lower P/E (0.1x vs 11.4x) |
| Quality / Margins | IX | 12.2% net margin vs LPRO's -5.6% |
| Stability / Safety | IX | Beta 0.68 vs LPRO's 1.42, lower leverage |
| Dividends | IX | 2.1% yield; 1-year raise streak; LPRO pays no meaningful dividend |
| Momentum (1Y) | IX | +77.9% vs LPRO's -72.7% |
| Efficiency (ROA) | IX | 2.5% ROA vs LPRO's -52.3%, ROIC 2.4% 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.
ORIX Corporation is a diversified financial services conglomerate operating across leasing, lending, real estate, and private equity. It generates revenue primarily through interest income from corporate finance and leasing operations (around 40%), fee income from asset management and real estate services (roughly 30%), and investment returns from private equity and infrastructure holdings. The company's competitive advantage lies in its integrated financial ecosystem—spanning traditional lending to alternative investments—and its extensive network across Asia, particularly Japan, which creates cross-selling opportunities and economies of scale.
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
IX leads in 5 of 6 categories (Financial Metrics, Valuation Metrics). LPRO leads in 1 (Analyst Outlook).
Financial Metrics (TTM)
IX is the larger business by revenue, generating $2.87T annually — 119664.5x LPRO's $24M. IX is the more profitable business, keeping 12.2% of every revenue dollar as net income compared to LPRO's -5.6%.
| Metric | LPROOpen Lending Corp… | IXORIX Corporation |
|---|---|---|
| RevenueTrailing 12 months | $24M | $2.87T |
| EBITDAEarnings before interest/tax | -$82M | $717.3B |
| Net IncomeAfter-tax profit | -$150M | $439.8B |
| Free Cash FlowCash after capex | -$13M | $0 |
| Gross MarginGross profit ÷ Revenue | +0.7% | +41.8% |
| Operating MarginEBIT ÷ Revenue | -2.7% | +11.5% |
| Net MarginNet income ÷ Revenue | -5.6% | +12.2% |
| FCF MarginFCF ÷ Revenue | +72.6% | +41.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -6.0% | +74.6% |
Valuation Metrics
| Metric | LPROOpen Lending Corp… | IXORIX Corporation |
|---|---|---|
| Market CapShares × price | $157M | $39.3B |
| Enterprise ValueMkt cap + debt − cash | $58M | $71.8B |
| Trailing P/EPrice ÷ TTM EPS | -1.18x | 18.07x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.44x | 0.09x |
| PEG RatioP/E ÷ EPS growth rate | — | 3.40x |
| EV / EBITDAEnterprise value multiple | — | 15.33x |
| Price / SalesMarket cap ÷ Revenue | 6.54x | 2.13x |
| Price / BookPrice ÷ Book value/share | 2.03x | 1.52x |
| Price / FCFMarket cap ÷ FCF | 9.02x | 5.20x |
Profitability & Efficiency
IX delivers a 9.7% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $-2 for LPRO. IX carries lower financial leverage with a 1.51x debt-to-equity ratio, signaling a more conservative balance sheet compared to LPRO's 1.84x. On the Piotroski fundamental quality scale (0–9), IX scores 6/9 vs LPRO's 3/9, reflecting solid financial health.
| Metric | LPROOpen Lending Corp… | IXORIX Corporation |
|---|---|---|
| ROE (TTM)Return on equity | -2.1% | +9.7% |
| ROA (TTM)Return on assets | -52.3% | +2.5% |
| ROICReturn on invested capital | -17.0% | +2.4% |
| ROCEReturn on capital employed | -21.7% | +2.5% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 6 |
| Debt / EquityFinancial leverage | 1.84x | 1.51x |
| Net DebtTotal debt minus cash | -$99M | $5.08T |
| Cash & Equiv.Liquid assets | $243M | $1.21T |
| Total DebtShort + long-term debt | $144M | $6.28T |
| Interest CoverageEBIT ÷ Interest expense | -7.43x | 3.88x |
Total Returns (with DRIP)
A $10,000 investment in IX five years ago would be worth $22,877 today (with dividends reinvested), compared to $325 for LPRO. Over the past 12 months, IX leads with a +77.9% total return vs LPRO's -72.7%. The 3-year compound annual growth rate (CAGR) favors IX at 28.3% vs LPRO's -42.7% — a key indicator of consistent wealth creation.
| Metric | LPROOpen Lending Corp… | IXORIX Corporation |
|---|---|---|
| YTD ReturnYear-to-date | -14.7% | +20.5% |
| 1-Year ReturnPast 12 months | -72.7% | +77.9% |
| 3-Year ReturnCumulative with dividends | -81.2% | +111.0% |
| 5-Year ReturnCumulative with dividends | -96.8% | +128.8% |
| 10-Year ReturnCumulative with dividends | -86.2% | +218.8% |
| CAGR (3Y)Annualised 3-year return | -42.7% | +28.3% |
Risk & Volatility
IX is the less volatile stock with a 0.68 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. IX currently trades 96.0% 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… | IXORIX Corporation |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.42x | 0.68x |
| 52-Week HighHighest price in past year | $5.00 | $37.04 |
| 52-Week LowLowest price in past year | $0.70 | $17.75 |
| % of 52W HighCurrent price vs 52-week peak | +26.6% | +96.0% |
| RSI (14)Momentum oscillator 0–100 | 38.4 | 68.2 |
| Avg Volume (50D)Average daily shares traded | 527K | 175K |
Analyst Outlook
IX is the only dividend payer here at 2.09% yield — a key consideration for income-focused portfolios.
| Metric | LPROOpen Lending Corp… | IXORIX Corporation |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | — |
| Price TargetConsensus 12-month target | $15.00 | — |
| # AnalystsCovering analysts | 12 | — |
| Dividend YieldAnnual dividend ÷ price | — | +2.1% |
| Dividend StreakConsecutive years of raises | 2 | 1 |
| Dividend / ShareAnnual DPS | — | $116.24 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.1% | +0.9% |
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% |
| ORIX Corporation (IX) | 100 | 187.71 | +87.7% |
ORIX Corporation (IX) returned +129% over 5 years vs Open Lending Corpor… (LPRO)'s -97%. A $10,000 investment in IX 5 years ago would be worth $22,877 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | $32M | $24M | -25.8% |
| ORIX Corporation (IX) | $1.2T | $2.9T | +145.5% |
ORIX Corporation's revenue grew from $1.2T (2016) to $2.9T (2025) — a 10.5% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | -0.1% | -5.6% | -5828.1% |
| ORIX Corporation (IX) | 22.2% | 12.2% | -44.9% |
ORIX Corporation's net margin went from 22% (2016) to 12% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | 31.5 | 47.3 | +50.2% |
| ORIX Corporation (IX) | 0.1 | 0.1 | +0.0% |
Open Lending Corporation has traded in a 6x–47x P/E range over 5 years; current trailing P/E is ~-1x. ORIX Corporation has traded in a 0x–0x P/E range over 9 years; current trailing P/E is ~18x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | -0 | -1.13 | -112900.0% |
| ORIX Corporation (IX) | 198.52 | 307.16 | +54.7% |
ORIX Corporation's EPS grew from $198.52 (2016) to $307.16 (2025) — a 5% CAGR.
Chart 6Free Cash Flow — 5 Years
Open Lending Corporation generated $17M FCF in 2024 (-81% vs 2021). ORIX Corporation generated $1.2T FCF in 2025 (+245% vs 2021).
LPRO vs IX: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is LPRO or IX a better buy right now?
ORIX Corporation (IX) offers the better valuation at 18.1x trailing P/E (0.1x forward), making it the more compelling value choice. Analysts rate Open Lending Corporation (LPRO) a "Hold" — based on 12 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 IX?
On forward P/E, ORIX Corporation is actually cheaper at 0.1x.
03Which is the better long-term investment — LPRO or IX?
Over the past 5 years, ORIX Corporation (IX) delivered a total return of +128.8%, compared to -96.8% for Open Lending Corporation (LPRO). A $10,000 investment in IX five years ago would be worth approximately $23K today (assuming dividends reinvested). Over 10 years, the gap is even starker: IX returned +218.8% 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 IX?
By beta (market sensitivity over 5 years), ORIX Corporation (IX) is the lower-risk stock at 0.68β versus Open Lending Corporation's 1.42β — meaning LPRO is approximately 110% more volatile than IX relative to the S&P 500. On balance sheet safety, ORIX Corporation (IX) carries a lower debt/equity ratio of 151% versus 184% for Open Lending Corporation — giving it more financial flexibility in a downturn.
05Which has better profit margins — LPRO or IX?
ORIX Corporation (IX) is the more profitable company, earning 12.2% net margin versus -562.0% for Open Lending Corporation — meaning it keeps 12.2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: IX leads at 11.5% versus -272.1% for LPRO. At the gross margin level — before operating expenses — IX leads at 41.8%, 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 IX more undervalued right now?
On forward earnings alone, ORIX Corporation (IX) trades at 0.1x forward P/E versus 11.4x for Open Lending Corporation — 11.3x cheaper on a one-year earnings basis.
07Which pays a better dividend — LPRO or IX?
In this comparison, IX (2.1% yield) pays a dividend. LPRO does not pay a meaningful dividend and should not be held primarily for income.
08Is LPRO or IX better for a retirement portfolio?
For long-horizon retirement investors, ORIX Corporation (IX) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.68), 2.1% yield, +218.8% 10Y return). Both have compounded well over 10 years (IX: +218.8%, 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 IX?
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. IX 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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