LPRO
Open Lending Corporation
$2.11
+0.17
(+8.76%)
Mkt Cap
249.44M
Volume
1,304,160
52W Range
1.175-2.7
Sector
Financial Services
Beta
2.20
EPS (TTM)
-0.04
P/E Ratio
-43.40
Revenue (TTM)
89.31M
Rev Growth (5Y)
-3.1%
EPS Growth (5Y)
N/A
AlphaVal · Fair Value
$10.40
Undervalued · Strong
79.7% below fair value
AlphaQuality · Grade
B-
Banks, Insurers & Asset Managers
68.4 / 100 composite
Company Description
Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, and non-bank auto finance companies and captive finance companies of original equipment manufacturers in the United States. It offers Lenders Protection Program (LPP), which is a Software as a Service platform that facilitates loan decision making and automated underwriting by third-party lenders and the issuance of credit default insurance through third-party insurance providers. The company's LPP products include loan analytics, risk-based loan pricing, risk modeling, and automated decision technology for automotive lenders. Open Lending Corporation was founded in 2000 and is based in Austin, Texas.
Track Record
Showing latest 4 periods • Swipe for more
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 93.22M | 24.02M | 117.46M | 179.59M | 215.66M | 108.89M | 92.85M | 52.19M | 32.38M |
| Net Income | (4.24M) | (135.01M) | 22.07M | 66.62M | 146.08M | (97.56M) | 62.54M | 28.28M | (30,682) |
| EPS | -0.04 | -1.13 | 0.18 | 0.53 | 1.16 | -1.18 | 1.66 | 0.31 | -0.00 |
| Free Cash Flow | (3.25M) | 17.43M | 80.48M | 106.81M | 93.17M | 23.44M | 41.66M | 28.50M | 13.04M |
| FCF / Share | -0.03 | 0.15 | 0.67 | 0.85 | 0.74 | 0.28 | 1.11 | 0.31 | 0.42 |
| Operating CF | (3.19M) | 17.60M | 82.66M | 107.43M | 95.16M | 24.64M | 41.76M | 28.60M | 13.09M |
| Total Assets | 236.68M | 296.37M | 374.04M | 379.63M | 318.82M | 294.01M | 79.19M | 279.51M | 244,919 |
| Total Debt | 88.05M | 143.77M | 148.13M | 152.08M | 151.40M | 163.25M | 3.31M | 5.80M | 221,201 |
| Cash & Equiv | 176.61M | 243.16M | 240.21M | 204.45M | 116.45M | 101.51M | 7.68M | 1.18M | 25,000 |
| Book Value | 74.96M | 78.09M | 205.58M | 212.82M | 158.98M | 26.62M | (234.78M) | 269.52M | (5,682) |
| Return on Equity | -0.06 | -1.73 | 0.11 | 0.31 | 0.92 | -3.66 | N/A | 0.10 | N/A |
| Metric | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 20.49M | 19.34M | 24.17M | 25.31M | 24.39M | (56.92M) | 23.48M | 26.73M | 30.75M | 14.94M | 26.01M | 38.15M |
| Net Income | (460,000) | 1.68M | (7.57M) | 1.03M | 617,000 | (144.44M) | 1.44M | 2.90M | 5.09M | (4.84M) | 3.00M | 11.37M |
| EPS | -0.00 | 0.01 | -0.06 | 0.01 | 0.01 | -1.21 | 0.01 | 0.02 | 0.04 | -0.04 | 0.03 | 0.09 |
| Free Cash Flow | (546,000) | 4.67M | (5.73M) | 1.40M | (4.44M) | (4.54M) | 10.37M | (2.49M) | 10.36M | 16.16M | 19.58M | 15.56M |
| FCF / Share | -0.00 | 0.04 | -0.05 | 0.01 | -0.04 | -0.04 | 0.09 | -0.02 | 0.09 | 0.14 | 0.16 | 0.13 |
| Operating CF | (546,000) | 5.45M | (5.65M) | 848,000 | (3.84M) | (3.38M) | 11.38M | (1.41M) | 11.01M | 16.75M | 20.32M | 16.07M |
| Total Assets | 231.09M | 236.68M | 287.65M | 296.66M | 304.22M | 296.37M | 395.71M | 382.80M | 380.60M | 374.04M | 383.38M | 386.80M |
| Total Debt | 85.08M | 88.05M | 184.20M | 138.98M | 140.99M | 143.77M | 144.97M | 146.39M | 146.48M | 148.13M | 148.51M | 149.51M |
| Cash & Equiv | 184.95M | 176.61M | 222.13M | 230.66M | 236.23M | 243.16M | 250.23M | 248.01M | 246.97M | 240.21M | 232.61M | 224.44M |
| Book Value | 75.31M | 74.96M | 72.83M | 78.95M | 79.83M | 78.09M | 220.46M | 216.78M | 211.54M | 205.58M | 214.72M | 219.15M |
| Return on Equity | -0.01 | 0.02 | -0.10 | 0.01 | 0.01 | -1.85 | 0.01 | 0.01 | 0.02 | -0.02 | 0.01 | 0.05 |
LPRO News
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Open Lending Corporation (LPRO) Q4 2025 Earnings Call Transcript