LPRO
Open Lending Corporation
Price Chart
Latest Quote
$3.13
+0.01 (+0.32%)
Current Price
| Previous Close | $3.12 |
| Open | $3.11 |
| Day High | $3.13 |
| Day Low | $3.11 |
| Volume | 3,155,797 |
Stock Information
| Shares Outstanding | 118.32M |
| Total Debt | $85.08M |
| Cash Equivalents | $173.31M |
| Revenue | $89.31M |
| Net Income | $-5.31M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $370.35M |
| EPS (TTM) | $-0.05 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $281.79M |
| Sales | $89.31M |
| Income | $-5.31M |
| Book/sh | $0.64 |
| Cash/sh | $1.46 |
| Employees | 164 |
Financial Ratios
| Quick Ratio | 4.08 |
| Current Ratio | 4.44 |
| Debt/Eq | 112.96 |
Returns & Margins
| ROA | 1.07% |
| ROE | -6.85% |
| Gross Margin | 77.24% |
| Operating Margin | -3.09% |
| Profit Margin | -5.95% |
Ownership
| Insider Ownership | 0.86% |
| Institutional Ownership | 72.90% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 16.47 |
| P/S | 4.15 |
| P/B | 4.91 |
Analyst Data
| Recommendation | hold |
| Target Price | $2.46 |
Technical Indicators
| SMA20 | $2.48 |
| SMA50 | $2.07 |
| SMA200 | $1.81 |
| RSI | 83.45 |
| ATR | 0.1738 |
| Shares Float | 95.28M |
| Short Float | 2.28% |
| Short Ratio | 2.05 |
| Volatility | 2.27 |
| Rel Volume | 0.68 |
Performance History
| Week | +0.64% |
| Month | +48.34% |
| Quarter | +148.41% |
| 6 Months | +94.41% |
| YTD | +100.64% |
| Year | +60.51% |
| 3 Years | -70.19% |
| 5 Years | -92.06% |
| 10 Years | -67.56% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-24 | $3.13 | 3,210,700 |
| 2026-06-23 | $3.12 | 4,787,400 |
| 2026-06-22 | $3.13 | 2,961,800 |
| 2026-06-18 | $3.11 | 7,947,800 |
| 2026-06-17 | $3.11 | 26,318,800 |
| 2026-06-16 | $3.11 | 28,218,800 |
| 2026-06-15 | $2.10 | 1,937,000 |
| 2026-06-12 | $2.18 | 1,411,100 |
| 2026-06-11 | $2.13 | 549,300 |
| 2026-06-10 | $2.12 | 441,800 |
| 2026-06-09 | $2.10 | 1,572,300 |
| 2026-06-08 | $2.11 | 1,538,900 |
| 2026-06-05 | $2.11 | 1,637,900 |
| 2026-06-04 | $2.24 | 800,100 |
| 2026-06-03 | $2.18 | 1,051,100 |
| 2026-06-02 | $2.48 | 1,960,500 |
| 2026-06-01 | $2.21 | 957,900 |
| 2026-05-29 | $2.28 | 681,000 |
| 2026-05-28 | $2.29 | 2,073,200 |
| 2026-05-27 | $2.43 | 3,990,500 |
| 2026-05-26 | $2.24 | 1,530,800 |
About Open Lending Corporation
Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, finance companies, and captive finance companies of automakers in the United States. The company offers lenders protection platform (LPP), which is a cloud-based automotive lending enablement platform that provides loan analytics solutions and automated issuance of credit default insurance with third-party insurance providers. Its LPP products include loan analytics, risk-based loan pricing, risk modeling, and automated decision technology for automotive lenders. The company was founded in 2000 and is headquartered in Austin, Texas.
đ° Latest News
Ezcorp (EZPW) Moves 5.9% Higher: Will This Strength Last?
Zacks âĸ 2026-06-12T14:54:00Z
Are Options Traders Betting on a Big Move in Open Lending Stock?
Zacks âĸ 2026-06-01T15:08:00Z
Open Lending Q1 Earnings Call Highlights
MarketBeat âĸ 2026-05-08T06:06:37Z
Open Lending (LPRO) Reports Break-Even Earnings for Q1
Zacks âĸ 2026-05-07T23:05:28Z
Encore Capital Group (ECPG) Q1 Earnings and Revenues Beat Estimates
Zacks âĸ 2026-05-06T22:30:22Z
Positive Signs As Multiple Insiders Buy Open Lending Stock
Simply Wall St. âĸ 2026-05-02T14:22:33Z
Navient (NAVI) Tops Q1 Earnings Estimates
Zacks âĸ 2026-04-29T12:25:08Z
These 3 Fintech Stocks Offer High Risk/Reward Potential
MarketBeat âĸ 2026-04-20T13:35:00Z
Open Lending Corporation Q4 2025 Earnings Call Summary
Moby âĸ 2026-03-13T12:30:00Z
Open Lending Corp (LPRO) Q4 2025 Earnings Call Highlights: Strategic Expansions and Cost ...
GuruFocus.com âĸ 2026-03-13T03:02:34Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $21,555,000 | $23,855,000 | $22,282,000 | $19,968,000 |
| Cost Of Revenue | $21,555,000 | $23,855,000 | $22,282,000 | $19,968,000 |
| Total Revenue | $93,217,000 | $24,024,000 | $117,460,000 | $179,594,000 |
| Operating Revenue | $93,217,000 | $24,024,000 | $117,460,000 | $179,594,000 |
| Expenses | ||||
| Interest Expense | $9,662,000 | $11,317,000 | $10,661,000 | $5,832,000 |
| Total Expenses | $98,223,000 | $89,402,000 | $88,385,000 | $81,979,000 |
| Other Income Expense | $-18,000 | - | $109,000 | $-238,000 |
| Other Non Operating Income Expenses | $-18,000 | - | $109,000 | $-238,000 |
| Net Non Operating Interest Income Expense | $-345,000 | $773,000 | $-326,000 | $-3,837,000 |
| Interest Expense Non Operating | $9,662,000 | $11,317,000 | $10,661,000 | $5,832,000 |
| Operating Expense | $76,668,000 | $65,547,000 | $66,103,000 | $62,011,000 |
| Selling And Marketing Expense | $14,800,000 | $17,218,000 | $17,485,000 | $17,856,000 |
| General And Administrative Expense | $53,091,000 | $43,867,000 | $43,043,000 | $35,950,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-4,236,000 | $-135,010,000 | $22,070,000 | $66,620,000 |
| Net Interest Income | $-345,000 | $773,000 | $-326,000 | $-3,837,000 |
| Interest Income | $9,317,000 | $12,090,000 | $10,335,000 | $1,995,000 |
| Normalized Income | $-4,236,000 | $-135,010,000 | $22,070,000 | $66,620,000 |
| Net Income From Continuing And Discontinued Operation | $-4,236,000 | $-135,010,000 | $22,070,000 | $66,620,000 |
| Total Operating Income As Reported | $-5,006,000 | $-65,378,000 | $29,075,000 | $97,615,000 |
| Net Income Common Stockholders | $-4,236,000 | $-135,010,000 | $22,070,000 | $66,620,000 |
| Net Income | $-4,236,000 | $-135,010,000 | $22,070,000 | $66,620,000 |
| Net Income Including Noncontrolling Interests | $-4,236,000 | $-135,010,000 | $22,070,000 | $66,620,000 |
| Net Income Continuous Operations | $-4,236,000 | $-135,010,000 | $22,070,000 | $66,620,000 |
| Pretax Income | $-5,369,000 | $-64,605,000 | $28,858,000 | $93,540,000 |
| Interest Income Non Operating | $9,317,000 | $12,090,000 | $10,335,000 | $1,995,000 |
| Operating Income | $-5,006,000 | $-65,378,000 | $29,075,000 | $97,615,000 |
| Gross Profit | $71,662,000 | $169,000 | $95,178,000 | $159,626,000 |
| Special Income Charges | - | - | $0 | $0 |
| Per Share | ||||
| Diluted EPS | $-0.04 | $-1.13 | $0.18 | $0.53 |
| Basic EPS | $-0.04 | $-1.13 | $0.18 | $0.53 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $6,703,000 | $-51,614,000 | $40,678,000 | $100,287,000 |
| Reconciled Depreciation | $2,410,000 | $1,674,000 | $1,159,000 | $915,000 |
| EBITDA (Bullshit earnings) | $6,703,000 | $-51,614,000 | $40,678,000 | $100,287,000 |
| EBIT | $4,293,000 | $-53,288,000 | $39,519,000 | $99,372,000 |
| Diluted Average Shares | $118,603,000 | $119,179,766 | $121,474,880 | $126,261,614 |
| Basic Average Shares | $118,603,000 | $119,179,766 | $120,826,644 | $126,108,329 |
| Diluted NI Availto Com Stockholders | $-4,236,000 | $-135,010,000 | $22,070,000 | $66,620,000 |
| Tax Provision | $-1,133,000 | $70,405,000 | $6,788,000 | $26,920,000 |
| Research And Development | $8,777,000 | $4,462,000 | $5,575,000 | $8,205,000 |
| Selling General And Administration | $67,891,000 | $61,085,000 | $60,528,000 | $53,806,000 |
| Other Gand A | $53,091,000 | $43,867,000 | $43,043,000 | $35,950,000 |
| Total Unusual Items | - | - | $0 | $0 |
| Total Unusual Items Excluding Goodwill | - | - | $0 | $0 |
| Otherunder Preferred Stock Dividend | - | - | - | $0 |
| Restructuring And Mergern Acquisition | - | - | - | $0 |
| Other Special Charges | - | - | - | - |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $70,914,000 | $72,701,000 | $202,493,000 | $212,824,000 |
| Total Assets | $236,679,000 | $296,368,000 | $374,037,000 | $379,631,000 |
| Total Non Current Assets | $13,992,000 | $20,643,000 | $84,161,000 | $98,887,000 |
| Other Non Current Assets | $3,532,000 | $5,556,000 | $5,535,000 | $5,575,000 |
| Non Current Accounts Receivable | $2,893,000 | $5,094,000 | $610,000 | $21,001,000 |
| Goodwill And Other Intangible Assets | $4,046,000 | $5,386,000 | $3,087,000 | - |
| Other Intangible Assets | $4,046,000 | $5,386,000 | $3,087,000 | - |
| Current Assets | $222,687,000 | $275,725,000 | $289,876,000 | $280,744,000 |
| Other Current Assets | $5,416,000 | $3,215,000 | $2,852,000 | $2,361,000 |
| Restricted Cash | $11,604,000 | $10,760,000 | $6,463,000 | $4,069,000 |
| Receivables | $29,053,000 | $18,586,000 | $40,355,000 | $69,864,000 |
| Other Receivables | $22,186,000 | $9,973,000 | $28,704,000 | $54,429,000 |
| Taxes Receivable | $3,214,000 | $3,558,000 | $7,035,000 | $9,714,000 |
| Accounts Receivable | $3,653,000 | $5,055,000 | $4,616,000 | $5,721,000 |
| Cash Cash Equivalents And Short Term Investments | $176,614,000 | $243,164,000 | $240,206,000 | $204,450,000 |
| Cash And Cash Equivalents | $176,614,000 | $243,164,000 | $240,206,000 | $204,450,000 |
| Non Current Deferred Assets | - | $0 | $70,113,000 | $65,128,000 |
| Non Current Deferred Taxes Assets | - | $0 | $70,113,000 | $65,128,000 |
| Prepaid Assets | - | - | - | - |
| Debt | ||||
| Total Debt | $134,291,000 | $191,325,000 | $148,127,000 | $152,076,000 |
| Long Term Debt And Capital Lease Obligation | $107,222,000 | $163,700,000 | $142,807,000 | $147,765,000 |
| Long Term Debt | $104,840,000 | $160,427,000 | $139,357,000 | $143,683,000 |
| Current Debt And Capital Lease Obligation | $27,069,000 | $27,625,000 | $5,320,000 | $4,311,000 |
| Current Debt | $26,172,000 | $26,846,000 | $4,688,000 | $3,750,000 |
| Other Current Borrowings | $26,172,000 | $26,846,000 | $4,688,000 | $3,750,000 |
| Net Debt | - | - | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $161,719,000 | $218,281,000 | $168,457,000 | $166,807,000 |
| Total Non Current Liabilities Net Minority Interest | $112,461,000 | $171,029,000 | $147,867,000 | $151,700,000 |
| Other Non Current Liabilities | $5,239,000 | $7,329,000 | $5,060,000 | $3,935,000 |
| Current Liabilities | $49,258,000 | $47,252,000 | $20,590,000 | $15,107,000 |
| Other Current Liabilities | $13,044,000 | $13,508,000 | $6,764,000 | $4,120,000 |
| Payables And Accrued Expenses | $9,145,000 | $6,119,000 | $8,506,000 | $6,676,000 |
| Payables | $446,000 | $953,000 | $375,000 | $288,000 |
| Accounts Payable | $446,000 | $953,000 | $375,000 | $288,000 |
| Tradeand Other Payables Non Current | - | - | - | - |
| Total Tax Payable | - | - | - | - |
| Income Tax Payable | - | - | - | - |
| Equity | ||||
| Common Stock Equity | $74,960,000 | $78,087,000 | $205,580,000 | $212,824,000 |
| Total Equity Gross Minority Interest | $74,960,000 | $78,087,000 | $205,580,000 | $212,824,000 |
| Stockholders Equity | $74,960,000 | $78,087,000 | $205,580,000 | $212,824,000 |
| Retained Earnings | $-332,995,000 | $-328,759,000 | $-193,749,000 | $-215,819,000 |
| Other | ||||
| Treasury Shares Number | $10,537,537 | $8,848,184 | $9,378,390 | $4,552,126 |
| Ordinary Shares Number | $117,660,648 | $119,350,001 | $118,819,795 | $123,646,059 |
| Share Issued | $128,198,185 | $128,198,185 | $128,198,185 | $128,198,185 |
| Tangible Book Value | $70,914,000 | $72,701,000 | $202,493,000 | $212,824,000 |
| Invested Capital | $205,972,000 | $265,360,000 | $349,625,000 | $360,257,000 |
| Working Capital | $173,429,000 | $228,473,000 | $269,286,000 | $265,637,000 |
| Capital Lease Obligations | $3,279,000 | $4,052,000 | $4,082,000 | $4,643,000 |
| Total Capitalization | $179,800,000 | $238,514,000 | $344,937,000 | $356,507,000 |
| Treasury Stock | $90,990,000 | $97,100,000 | $103,985,000 | $72,264,000 |
| Additional Paid In Capital | $497,663,000 | $502,664,000 | $502,032,000 | $499,625,000 |
| Capital Stock | $1,282,000 | $1,282,000 | $1,282,000 | $1,282,000 |
| Common Stock | $1,282,000 | $1,282,000 | $1,282,000 | $1,282,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $2,382,000 | $3,273,000 | $3,450,000 | $4,082,000 |
| Current Capital Lease Obligation | $897,000 | $779,000 | $632,000 | $561,000 |
| Current Accrued Expenses | $8,699,000 | $5,166,000 | $8,131,000 | $6,388,000 |
| Net PPE | $3,521,000 | $4,607,000 | $4,816,000 | $7,183,000 |
| Gross PPE | $3,521,000 | $4,607,000 | $4,816,000 | $8,484,000 |
| Other Properties | $3,521,000 | $4,607,000 | $4,816,000 | $8,484,000 |
| Accumulated Depreciation | - | - | $-1,921,000 | $-1,301,000 |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-4,224,000 | $13,702,000 | $80,480,000 | $106,807,000 |
| Operating Activities | ||||
| Operating Cash Flow | $-3,194,000 | $17,598,000 | $82,658,000 | $107,431,000 |
| Cash Flow From Continuing Operating Activities | $-3,194,000 | $17,598,000 | $82,658,000 | $107,431,000 |
| Operating Gains Losses | $203,000 | - | - | - |
| Investing Activities | ||||
| Capital Expenditure | $-1,030,000 | $-3,896,000 | $-2,178,000 | $-624,000 |
| Investing Cash Flow | $-1,030,000 | $-3,896,000 | $-2,178,000 | $-624,000 |
| Cash Flow From Continuing Investing Activities | $-1,030,000 | $-3,896,000 | $-2,178,000 | $-624,000 |
| Capital Expenditure Reported | $-974,000 | $-3,731,000 | $-2,055,000 | $-386,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-4,886,000 | $0 | $-37,322,000 | $-18,018,000 |
| Financing Cash Flow | $-61,482,000 | $-6,447,000 | $-42,330,000 | $-17,797,000 |
| Cash Flow From Continuing Financing Activities | $-61,482,000 | $-6,447,000 | $-42,330,000 | $-17,797,000 |
| Net Other Financing Charges | $-1,096,000 | $-1,759,000 | $-1,258,000 | $-1,185,000 |
| Net Common Stock Issuance | $-4,886,000 | $0 | $-37,322,000 | $-18,018,000 |
| Cash Dividends Paid | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $-55,500,000 | $-4,688,000 | $-3,750,000 | $-148,594,000 |
| Interest Paid Supplemental Data | $9,283,000 | $12,590,000 | $10,313,000 | $3,520,000 |
| End Cash Position | $188,218,000 | $253,924,000 | $246,669,000 | $208,519,000 |
| Beginning Cash Position | $253,924,000 | $246,669,000 | $208,519,000 | $119,509,000 |
| Changes In Cash | $-65,706,000 | $7,255,000 | $38,150,000 | $89,010,000 |
| Common Stock Payments | $-4,886,000 | $0 | $-37,322,000 | $-18,018,000 |
| Net Issuance Payments Of Debt | $-55,500,000 | $-4,688,000 | $-3,750,000 | $1,406,000 |
| Net Long Term Debt Issuance | $-55,500,000 | $-4,688,000 | $-3,750,000 | $1,406,000 |
| Long Term Debt Payments | $-55,500,000 | $-4,688,000 | $-3,750,000 | $-148,594,000 |
| Net PPE Purchase And Sale | $-56,000 | $-165,000 | $-123,000 | $-238,000 |
| Purchase Of PPE | $-56,000 | $-165,000 | $-123,000 | $-238,000 |
| Change In Working Capital | $-9,664,000 | $70,885,000 | $53,859,000 | $33,069,000 |
| Change In Other Current Liabilities | $-2,151,000 | $7,647,000 | $3,177,000 | $4,383,000 |
| Change In Other Current Assets | $-2,991,000 | $47,127,000 | $-507,000 | $-2,685,000 |
| Change In Payables And Accrued Expense | $3,014,000 | $-1,895,000 | $1,269,000 | $1,409,000 |
| Change In Accrued Expense | $3,521,000 | $-2,473,000 | $1,183,000 | $2,405,000 |
| Change In Payable | $-507,000 | $578,000 | $86,000 | $-996,000 |
| Change In Account Payable | $-507,000 | $578,000 | $86,000 | $-996,000 |
| Change In Receivables | $-7,536,000 | $18,006,000 | $49,920,000 | $29,962,000 |
| Changes In Account Receivables | $1,402,000 | $-439,000 | $1,105,000 | $804,000 |
| Other Non Cash Items | $1,050,000 | $1,259,000 | $1,063,000 | $1,003,000 |
| Stock Based Compensation | $7,043,000 | $8,677,000 | $9,492,000 | $5,449,000 |
| Deferred Tax | $0 | $70,113,000 | $-4,985,000 | $375,000 |
| Deferred Income Tax | $0 | $70,113,000 | $-4,985,000 | $375,000 |
| Depreciation Amortization Depletion | $2,410,000 | $1,674,000 | $1,159,000 | $915,000 |
| Depreciation And Amortization | $2,410,000 | $1,674,000 | $1,159,000 | $915,000 |
| Net Income From Continuing Operations | $-4,236,000 | $-135,010,000 | $22,070,000 | $66,620,000 |
| Issuance Of Debt | - | $0 | $0 | $150,000,000 |
| Long Term Debt Issuance | - | $0 | $0 | $150,000,000 |
| Amortization Cash Flow | - | $1,400,000 | - | - |
| Amortization Of Intangibles | - | $1,400,000 | - | - |
| Depreciation | - | $300,000 | - | - |
| Income Tax Paid Supplemental Data | - | - | $9,075,000 | $36,112,000 |
| Net Short Term Debt Issuance | - | - | $0 | $-25,000,000 |
| Short Term Debt Issuance | - | - | $0 | $0 |
| Proceeds From Stock Option Exercised | - | - | - | $0 |
| Short Term Debt Payments | - | - | - | $-25,000,000 |
| Change In Other Working Capital | - | - | - | - |
| Change In Prepaid Assets | - | - | - | - |
Fetched: 2026-06-17