LPRO
Price
$2.10
Change
+$0.04 (+1.94%)
Updated
Oct 3 closing price
Capitalization
248.16M
37 days until earnings call
UPBD
Price
$22.74
Change
-$0.04 (-0.18%)
Updated
Oct 3 closing price
Capitalization
1.32B
24 days until earnings call
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LPRO vs UPBD

Header iconLPRO vs UPBD Comparison
Open Charts LPRO vs UPBDBanner chart's image
Open Lending
Price$2.10
Change+$0.04 (+1.94%)
Volume$789.67K
Capitalization248.16M
Upbound Group
Price$22.74
Change-$0.04 (-0.18%)
Volume$708.24K
Capitalization1.32B
LPRO vs UPBD Comparison Chart in %
LPRO
Daily Signalchanged days ago
Gain/Loss if bought
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UPBD
Daily Signalchanged days ago
Gain/Loss if bought
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LPRO vs. UPBD commentary
Oct 06, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is LPRO is a Hold and UPBD is a StrongBuy.

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COMPARISON
Comparison
Oct 06, 2025
Stock price -- (LPRO: $2.10 vs. UPBD: $22.74)
Brand notoriety: LPRO and UPBD are both not notable
LPRO represents the Savings Banks, while UPBD is part of the Packaged Software industry
Current volume relative to the 65-day Moving Average: LPRO: 117% vs. UPBD: 90%
Market capitalization -- LPRO: $248.16M vs. UPBD: $1.32B
LPRO [@Savings Banks] is valued at $248.16M. UPBD’s [@Packaged Software] market capitalization is $1.32B. The market cap for tickers in the [@Savings Banks] industry ranges from $679.02B to $0. The market cap for tickers in the [@Packaged Software] industry ranges from $314.27B to $0. The average market capitalization across the [@Savings Banks] industry is $22.14B. The average market capitalization across the [@Packaged Software] industry is $9.04B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

LPRO’s FA Score shows that 1 FA rating(s) are green whileUPBD’s FA Score has 1 green FA rating(s).

  • LPRO’s FA Score: 1 green, 4 red.
  • UPBD’s FA Score: 1 green, 4 red.
According to our system of comparison, UPBD is a better buy in the long-term than LPRO.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

LPRO’s TA Score shows that 4 TA indicator(s) are bullish while UPBD’s TA Score has 3 bullish TA indicator(s).

  • LPRO’s TA Score: 4 bullish, 5 bearish.
  • UPBD’s TA Score: 3 bullish, 7 bearish.
According to our system of comparison, LPRO is a better buy in the short-term than UPBD.

Price Growth

LPRO (@Savings Banks) experienced а -4.55% price change this week, while UPBD (@Packaged Software) price change was -5.43% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -0.48%. For the same industry, the average monthly price growth was +2.47%, and the average quarterly price growth was +51.81%.

The average weekly price growth across all stocks in the @Packaged Software industry was -0.11%. For the same industry, the average monthly price growth was +3.73%, and the average quarterly price growth was +85.95%.

Reported Earning Dates

LPRO is expected to report earnings on Nov 11, 2025.

UPBD is expected to report earnings on Oct 29, 2025.

Industries' Descriptions

@Savings Banks (-0.48% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

@Packaged Software (-0.11% weekly)

Packaged software comprises multiple software programs bundled together and sold as a group. For example, Microsoft Office includes multiple applications such as Excel, Word, and PowerPoint. In some cases, buying a bundled product is cheaper than purchasing each item individually[s20] . Microsoft Corporation, Oracle Corp. and Adobe are some major American packaged software makers.

SUMMARIES
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FUNDAMENTALS
Fundamentals
UPBD($1.32B) has a higher market cap than LPRO($248M). LPRO has higher P/E ratio than UPBD: LPRO (70.00) vs UPBD (12.66). UPBD YTD gains are higher at: -18.223 vs. LPRO (-64.824). UPBD has higher annual earnings (EBITDA): 1.73B vs. LPRO (-61.84M). LPRO has less debt than UPBD: LPRO (189M) vs UPBD (1.85B). UPBD has higher revenues than LPRO: UPBD (4.48B) vs LPRO (16.3M).
LPROUPBDLPRO / UPBD
Capitalization248M1.32B19%
EBITDA-61.84M1.73B-4%
Gain YTD-64.824-18.223356%
P/E Ratio70.0012.66553%
Revenue16.3M4.48B0%
Total Cash231MN/A-
Total Debt189M1.85B10%
FUNDAMENTALS RATINGS
LPRO vs UPBD: Fundamental Ratings
LPRO
UPBD
OUTLOOK RATING
1..100
7463
VALUATION
overvalued / fair valued / undervalued
1..100
96
Overvalued
4
Undervalued
PROFIT vs RISK RATING
1..100
10098
SMR RATING
1..100
9953
PRICE GROWTH RATING
1..100
5263
P/E GROWTH RATING
1..100
890
SEASONALITY SCORE
1..100
n/a50

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

UPBD's Valuation (4) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for LPRO (96) in the null industry. This means that UPBD’s stock grew significantly faster than LPRO’s over the last 12 months.

UPBD's Profit vs Risk Rating (98) in the Finance Or Rental Or Leasing industry is in the same range as LPRO (100) in the null industry. This means that UPBD’s stock grew similarly to LPRO’s over the last 12 months.

UPBD's SMR Rating (53) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for LPRO (99) in the null industry. This means that UPBD’s stock grew somewhat faster than LPRO’s over the last 12 months.

LPRO's Price Growth Rating (52) in the null industry is in the same range as UPBD (63) in the Finance Or Rental Or Leasing industry. This means that LPRO’s stock grew similarly to UPBD’s over the last 12 months.

LPRO's P/E Growth Rating (8) in the null industry is significantly better than the same rating for UPBD (90) in the Finance Or Rental Or Leasing industry. This means that LPRO’s stock grew significantly faster than UPBD’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
LPROUPBD
RSI
ODDS (%)
N/A
Bearish Trend 3 days ago
71%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
70%
Bullish Trend 3 days ago
77%
Momentum
ODDS (%)
Bearish Trend 3 days ago
86%
Bearish Trend 3 days ago
74%
MACD
ODDS (%)
Bearish Trend 3 days ago
87%
Bearish Trend 3 days ago
80%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
86%
Bearish Trend 3 days ago
71%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
84%
Bearish Trend 3 days ago
74%
Advances
ODDS (%)
Bullish Trend 3 days ago
77%
Bullish Trend 20 days ago
71%
Declines
ODDS (%)
Bearish Trend 5 days ago
86%
Bearish Trend 3 days ago
71%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
90%
Bearish Trend 3 days ago
88%
Aroon
ODDS (%)
Bullish Trend 3 days ago
76%
Bullish Trend 3 days ago
69%
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LPRO
Daily Signalchanged days ago
Gain/Loss if bought
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UPBD
Daily Signalchanged days ago
Gain/Loss if bought
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UPBD and

Correlation & Price change

A.I.dvisor indicates that over the last year, UPBD has been closely correlated with PRG. These tickers have moved in lockstep 67% of the time. This A.I.-generated data suggests there is a high statistical probability that if UPBD jumps, then PRG could also see price increases.

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6M
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Ticker /
NAME
Correlation
To UPBD
1D Price
Change %
UPBD100%
-0.18%
PRG - UPBD
67%
Closely correlated
+1.62%
ALLY - UPBD
53%
Loosely correlated
+2.01%
OMF - UPBD
52%
Loosely correlated
-0.35%
SYF - UPBD
52%
Loosely correlated
+1.35%
SPSC - UPBD
51%
Loosely correlated
+1.36%
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