Open Lending Corporation

Open Lending Corporation

LPRO
Open Lending CorporationUS flagNASDAQ Global Market
2.18
USD
+0.05
- -
257.71MMarket Cap
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.57
1.01
1.31
1.71
1.42
0.97
0.2
0.79
0.76
Basic EPS, GAAP
-0.48
0.56
-1.67
1.16
0.53
0.18
-1.13
-0.04
-0.04
Free Cash Flow per Basic Share
0.31
0.45
0.28
0.75
0.85
0.68
0.15
-0.03
- -
Dividend per Share
0.21
0.46
1.64
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
-2.64
-5.15
-2.23
-1.7
-1.59
-2.75
-2.8
-2.81
Tangible Book Value per Share
- -
-2.56
0.32
1.26
1.69
1.68
0.61
0.6
0.6
Basic Weighted Avg Shares
92
92
83
126
126
121
119
119
118
Sales/Revenue/Turnover
52
93
109
216
180
117
24
93
89
Operating Margin (%)
54.56
67.44
52.09
69.69
54.35
24.75
-272.14
-5.37
-7.17
Depreciation Expense
- -
- -
1
1
1
1
2
2
3
Net Income, GAAP
28
63
-98
146
67
22
-135
-4
-5
Effective Tax Rate (%)
0.13
- -
- -
23.58
28.78
23.52
- -
- -
7.18
Profit Margin (%)
54.18
67.36
-89.6
67.74
37.09
18.79
-561.98
-4.54
-5.95
Working Capital
- -
37
146
191
266
269
228
173
169
LT Debt
- -
1
158
148
148
143
164
107
102
Total Equity
- -
-235
27
159
213
206
78
75
75
Return on Invested Capital (%)
- -
- -
- -
45.8
20.59
6.19
- -
- -
- -
Return on Capital (%)
- -
- -
- -
-76.43
-73.64
-56.6
- -
- -
-61.08
Return on Common Equity (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
25
27
28
LT Borrowings
157
105
100
LT Finance Leases
3
2
2
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
118
118
118
Market Capitalization
251
184
148

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
273
223
218
Cash, Cash Equivalents & STI
222
177
173
Accounts Receivable, Net
4
4
5
Inventories
- -
- -
- -
Total Current Liabilities
49
49
49
Payables & Accruals
10
9
7
ST Debt
25
27
28
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
92.33%
-4%
Free Cash Flow
- -
19.53%
-118.64%
Net Income, GAAP
- -
-235.92%
-96.86%
Sales/Revenue/Turnover
- -
51.04%
288.02%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
31
27
23
-57
24
2025
24
25
24
19
93
2026
20
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.04
0.02
0.01
-1.21
-1.13
2025
0.01
0.01
-0.06
0.01
-0.04
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

MCPAPIChat
CEO
Jessica Elizabeth Buss
Full Time Employees
205
Sector
Financial Services
Industry
Financial - Credit Services
Address
1501 South Mopac Expressway Austin TX United States of America 78746
IPO Date
Mar 26, 2018
Business
Open Lending Corporation (NASDAQ: LPRO) provides lending enablement and risk analytics solutions to credit unions, regional banks, finance companies, and captive finance companies of automakers throughout the United States. The company offers its flagship Lenders Protection Platform (LPP), a cloud-based automotive lending enablement platform that facilitates loan analytics; risk-based pricing; risk modeling; automated decisioning technology; and automated issuance of credit default insurance with third-party AM Best A-rated insurers. Founded in 2000 and headquartered in Austin, Texas, Open Lending operates exclusively in the U.S. automotive finance market, targeting near-prime and non-prime borrowers to enable lenders to expand loan volumes with reduced risk exposure. In November 2025, Open Lending launched ApexOne Auto, an advanced decisioning platform that combines AI-powered automation, data analytics, and explainable intelligence to serve the full spectrum of auto borrowers, including prime credit segments, with real-time credit decisions and seamless integration into existing loan origination systems. The company extended its producer agreement with long-standing partner AmTrust North America, its largest partner, through 2033, reinforcing its insurance ecosystem stability. Additionally, Open Lending announced a $25.0 million share repurchase program authorized through May 2026, with initial executions in Q2 2025, signaling confidence in long-term value amid refined pricing strategies and credit tightening measures implemented in 2025. These initiatives follow Q3 2025 financial results showing revenue growth to $24.2 million despite a 13% decline in certified loans to 23,880, driven by deliberate risk management adjustments and a one-time $11.0 million payment from Allied Solutions under an amended reseller agreement.

Company News

MCPAPIChat
  • Open Lending Q1 Earnings Call Highlights

  • Open Lending Corporation (LPRO) Q1 2026 Earnings Call Transcript

  • Open Lending (LPRO) Reports Break-Even Earnings for Q1

  • Open Lending Reports First Quarter 2026 Financial Results

  • Navient (NAVI) Tops Q1 Earnings Estimates

  • Open Lending Corporation (NASDAQ:LPRO) Given Average Recommendation of “Hold” by Brokerages

  • Open Lending to Announce First Quarter 2026 Results on May 7, 2026

  • These 3 Fintech Stocks Offer High Risk/Reward Potential

  • Royce Micro-Cap Trust: What Worked

  • Open Lending Corporation (LPRO) Q4 2025 Earnings Call Transcript

  • Here's What Key Metrics Tell Us About Open Lending (LPRO) Q4 Earnings

  • Open Lending (LPRO) Misses Q4 Earnings and Revenue Estimates

  • Open Lending Reports Fourth Quarter and Full Year 2025 Financial Results

  • Open Lending Corporation (NASDAQ:LPRO) Receives Consensus Rating of “Hold” from Analysts

  • Open Lending to Announce Fourth Quarter and Full Year 2025 Results on March 12, 2026

  • Open Lending (NASDAQ:LPRO) Trading 16.4% Higher – What’s Next?

  • Open Lending Appoints Abhijit Chaudhary to Board of Directors

  • Open Lending Corporation (NASDAQ:LPRO) Receives Average Recommendation of “Hold” from Analysts

  • Open Lending (LPRO) Upgraded to Buy: What Does It Mean for the Stock?

  • Open Lending Corporation (LPRO) Q3 2025 Earnings Call Transcript