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Institutional distribution: ownership decreased -1.04% quarter-over-quarter.
Data as of Q1 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $3.14 today, the market must believe free cash flow compounds -10.5%/yr for a decade (off $50M normalized FCF).
2-stage DCF · 0.12B shares · net debt -$92M
mean 14.3% · volatility σ 140% · implied rate exceeded in 3/7 yrs
Central path = implied -10.5%/yr growth; shaded band = ±1σ (140%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
EOD close · as of 2026-08-04 · 45d old
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $93.2M 100.0% | $24.0M 100.0% | $117.5M 100.0% | $179.6M 100.0% | $215.7M 100.0% | $108.9M 100.0% | $92.8M 100.0% | $52.2M 100.0% |
| Cost of Revenue | $21.6M 23.1% | $23.9M 99.3% | $22.3M 19.0% | $20.0M 11.1% | $18.6M 8.6% | $9.8M 9.0% | $7.8M 8.4% | $4.6M 8.8% |
| Gross Profit | $71.7M 76.9% | $169K 0.7% | $95.2M 81.0% | $159.6M 88.9% | $197.0M 91.4% | $99.1M 91.0% | $85.0M 91.6% | $47.6M 91.2% |
| Research & Development | $8.8M 9.4% | $4.5M 18.6% | $5.6M 4.7% | $8.2M 4.6% | $4.4M 2.0% | $2.0M 1.8% | $1.2M 1.3% | $802K 1.5% |
| Selling, General & Admin | $53.1M 57.0% | $43.9M 182.6% | $43.0M 36.6% | $36.0M 20.0% | $30.4M 14.1% | $32.6M 29.9% | $13.8M 14.8% | $12.1M 23.2% |
| Total Operating Expenses | $76.7M 82.2% | $65.5M 272.8% | $66.1M 56.3% | $62.0M 34.5% | $46.7M 21.7% | $42.4M 38.9% | — | — |
| Operating Income | -$5.0M -5.4% | -$65.4M -272.1% | $29.1M 24.8% | $97.6M 54.4% | $150.3M 69.7% | $56.7M 52.1% | $62.6M 67.4% | $28.5M 54.6% |
| Interest Expense | $9.7M 10.4% | $11.3M 47.1% | $10.7M 9.1% | $5.8M 3.2% | $5.9M 2.7% | $11.6M 10.7% | $322K 0.3% | $341K 0.7% |
| Interest & Investment Income | $9.3M 10.0% | $12.1M 50.3% | $10.3M 8.8% | $2.0M 1.1% | $213K 0.1% | $202K 0.2% | $24K 0.0% | $13K 0.0% |
| Other Income (Expense), net | -$18K -0.0% | $0 0.0% | $109K 0.1% | -$238K -0.1% | -$119K -0.1% | -$4.4M -4.0% | $197K 0.2% | $170K 0.3% |
| Pretax Income | -$5.4M -5.8% | -$64.6M -268.9% | $28.9M 24.6% | $93.5M 52.1% | $191.2M 88.6% | -$91.0M -83.6% | $62.5M 67.3% | $28.3M 54.3% |
| Income Tax Expense | -$1.1M -1.2% | $70.4M 293.1% | $6.8M 5.8% | $26.9M 15.0% | $45.1M 20.9% | $6.6M 6.0% | -$30K -0.0% | $37K 0.1% |
| Net Income | -$4.2M -4.5% | -$135.0M -562.0% | $22.1M 18.8% | $66.6M 37.1% | $146.1M 67.7% | -$97.6M -89.6% | $62.5M 67.4% | $28.3M 54.2% |
| Per Share | ||||||||
| EPS (Basic) | $-0.04 | $-1.13 | $0.18 | $0.53 | $1.16 | $-1.09 | $-2.97 | — |
| EPS (Diluted) | $-0.04 | $-1.13 | $0.18 | $0.53 | $1.16 | $-1.09 | $-2.97 | — |
| Weighted Avg Shares (Basic) | 118.6M | 119.2M | 120.8M | 126.1M | 126.4M | 82.9M | 37.6M | 37.6M |
| Weighted Avg Shares (Diluted) | 118.6M | 119.2M | 121.5M | 126.3M | 126.4M | 82.9M | 37.6M | — |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
Safe > 2.99 · grey 1.81–2.99 · distress < 1.81
Eight indices comparing this year to last (receivables, margins, asset quality, growth, accruals, leverage). Above −1.78 suggests possible manipulation; below −2.22 is clean.
A screen, not proof — high growth alone can raise it.
Cash-conversion data unavailable. Lower/negative accruals = higher quality (Sloan).
Interest coverage is thin — monitor; leverage falling year-over-year.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $5M buybacks = $5M returned on -$3M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 8 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Operating income fell despite reinvestment — a warning on capital productivity. Current ROIC on all capital: -3%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 8 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $177M covers all $167M of scheduled principal — no refinancing pressure. Scheduled principal only (excludes interest & revolver draws). As of 2020-12-31 (10-K).
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Thin coverage — earnings barely cover interest. Effective rate ~11.4% on $85M of debt.
Cash of $177M fully covers short-term debt of $8M.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
EOD close · as of 2026-08-04
Where each multiple sits in its own 8-yr range · 31th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 8-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
Profit and sales moved in opposite directions this year.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | 8.8 | 8.4 | 9.0 | 8.6 | 11.1 | 19.0 | 99.3 | 23.1 |
| Gross Profit | 91.2 | 91.6 | 91.0 | 91.4 | 88.9 | 81.0 | 0.7 | 76.9 |
| R&D | 1.5 | 1.3 | 1.8 | 2.0 | 4.6 | 4.7 | 18.6 | 9.4 |
| SG&A | 23.2 | 14.8 | 29.9 | 14.1 | 20.0 | 36.6 | 182.6 | 57.0 |
| Operating Income | 54.6 | 67.4 | 52.1 | 69.7 | 54.4 | 24.8 | -272.1 | -5.4 |
| Income Tax | 0.1 | -0.0 | 6.0 | 20.9 | 15.0 | 5.8 | 293.1 | -1.2 |
| Net Income | 54.2 | 67.4 | -89.6 | 67.7 | 37.1 | 18.8 | -562.0 | -4.5 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on LPRO: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Ranked against 838 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $940.8B | 17.4× | — | 5.2× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 4,823 |
| V | $692.5B | — | — | 17.3× | 11.3% | — | 50.1% | 52.9% | 31.8% | — | 4,229 |
| MA | $513.8B | 34.4× | — | 15.7× | 16.4% | — | 45.6% | 193% | 56.0% | — | 3,430 |
| BAC | $417.6B | 15.2× | — | 3.7× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 3,337 |
| GS | $278.1B | 18.3× | — | — | — | — | — | 13.7% | 3.6% | — | 2,857 |
| WFC | $269.2B | 13.9× | — | — | — | — | — | 11.8% | 5.7% | — | 2,691 |
| AXP | $214.3B | 20.3× | — | 5.2× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| TYFG | $191.9B | 14.2× | — | 11135.5× | 10.2% | — | 79.3% | 8.7% | 8.7% | — | 1 |
| SCHW | $189.7B | 22.6× | — | 7.9× | 22.0% | — | 37.0% | 17.9% | 17.9% | — | 2,225 |
| HDB | $171.3B | 21.5× | — | 6.7× | 15.2% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $168.5B | — | — | — | — | — | — | — | — | — | 660 |
| BLK | $160.8B | 29.4× | — | 6.6× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| CB | $133.6B | 13.3× | — | 2.3× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| GLD | $132.1B | — | — | — | — | — | — | — | — | — | 3,072 |
| PGR | $127.2B | 11.3× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 37.3% | — | 1,685 |
| SPGI | $121.5B | 27.8× | 17.4× | 7.9× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| CME | $98.0B | 24.4× | — | 15.0× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| USB | $95.6B | 12.9× | — | 3.3× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 1,901 |
| HOOD | $92.8B | 50.9× | — | 20.7× | 51.6% | — | 42.1% | 20.6% | 20.6% | — | 1,230 |
| BX | $92.4B | 31.9× | — | 6.4× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $91.7B | 13.9× | — | 4.0× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| AMUB | $88.9B | — | — | — | — | — | — | — | — | — | 7 |
| ICE | $87.4B | 26.7× | 20.7× | 6.9× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| KKR | $86.3B | — | — | 4.4× | -11.0% | — | 12.2% | 7.7% | 7.7% | — | 1,216 |
| MRSH | $85.7B | 21.0× | 15.6× | 3.2× | 10.3% | — | 15.4% | 27.2% | 11.9% | 3.0× | 1,471 |
| LPRO | $369M | — | — | 4.0× | 288% | 76.9% | -4.5% | -5.7% | -2.7% | -32.7× | 137 |
Peers = companies sharing LPRO's sector (Financial Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.