Open Lending Corp LPRO R2KFINANCIAL
Company Overview
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. As of July 27, 2026, Open Lending Corporation operates as a subsidiary of ANV Group Holdings Ltd.
Why Investors Should Care
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $93.22M (+288.0% YoY); net profit $-4.24M.
- Trailing 12 Months Year-on-year growth — revenue -16.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 8.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 8.64% |
| 1 Year: | -16.00% |
Stock Price Performance
| 1 Year: | +45.37% |
| 6 Months: | +66.14% |
| 3 Months: | +77.40% |
| 1 Month: | +0.64% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)73.67 · Overbought
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | LPRO Open Lending Corp R2KFINANCIAL | 3.14 | -62.80 | $371.53M | 0.00% | -2.67% | -6.85% | 8.64% | - |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 19.48M | 25.18M | 22.10M | 26.08M | 17.43M | 22.07M | 29.76M | 39.63M | 44.01M | 61.12M | 58.89M | 50.07M | 52.04M | 50.66M | 38.36M | 38.15M | 26.01M | 30.75M | 26.73M | 23.48M | 24.39M | 25.31M | 24.17M | 20.49M |
| Gross Profit | 17.96M | 23.12M | 20.18M | 23.79M | 14.94M | 20.24M | 27.27M | 36.66M | 40.65M | 56.98M | 52.51M | 45.28M | 46.96M | 45.46M | 32.93M | 32.04M | 20.64M | 25.00M | 21.01M | 17.35M | 18.31M | 19.80M | 18.85M | 15.64M |
| Operating Income | 12.86M | 17.58M | 14.82M | 17.36M | 8.93M | 3.95M | 19.55M | 24.29M | 29.45M | 44.88M | 40.74M | 32.24M | 32.81M | 27.79M | 17.10M | 15.72M | 4.54M | 7.32M | 3.99M | 1.87M | 762.00K | 1.18M | -7.70M | -633.00K |
| Net Income | 12.90M | 17.48M | 14.72M | 17.44M | 8.17M | -49.80M | -71.13M | 15.20M | 12.86M | 75.97M | 29.41M | 23.15M | 23.13M | 24.53M | 12.54M | 11.37M | 3.00M | 5.09M | 2.90M | 1.44M | 617.00K | 1.03M | -7.57M | -460.00K |
| Diluted EPS | -0.34 | -0.19 | -1.25 | -1.19 | 0.16 | -1.01 | -0.62 | 0.12 | 0.10 | 0.60 | 0.23 | 0.18 | 0.18 | 0.19 | 0.10 | 0.09 | 0.02 | 0.04 | 0.02 | 0.01 | 0.01 | 0.01 | -0.06 | 0.00 |
| R&D Expense | - | 332.00K | 291.00K | - | 359.00K | 349.00K | 579.00K | - | 591.00K | 773.00K | 1.27M | 1.82M | 2.19M | 2.35M | 1.23M | 1.13M | 1.72M | 1.48M | 1.13M | 992.00K | 2.27M | 2.52M | 2.05M | 1.77M |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 52.19M | 92.85M | 108.89M | 215.66M | 179.59M | 117.46M | 24.02M | 93.22M |
| Gross Profit | 47.59M | 85.04M | 99.11M | 197.03M | 159.63M | 95.18M | 169.00K | 71.66M |
| Operating Income | 28.47M | 62.62M | 56.72M | 150.29M | 97.61M | 29.07M | -65.38M | -5.01M |
| Net Income | 28.28M | 62.54M | -97.56M | 146.08M | 66.62M | 22.07M | -135.01M | -4.24M |
| Diluted EPS | - | -2.97 | -1.09 | 1.16 | 0.53 | 0.18 | -1.13 | -0.04 |
| R&D Expense | 802.00K | 1.17M | 1.96M | 4.35M | 8.21M | 5.58M | 4.46M | 8.78M |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 79.19M | 294.01M | 318.82M | 379.63M | 374.04M | 296.37M | 236.68M |
| Total Equity | -74.87M | -133.79M | -234.78M | 26.62M | 158.98M | 212.82M | 205.58M | 78.09M | 74.96M |
| Cash & Equivalents | - | 11.07M | 7.68M | 101.51M | 116.45M | 204.45M | 240.21M | 243.16M | 176.61M |
| Long Term Debt | - | - | - | 152.86M | 143.13M | 143.68M | 139.36M | 132.22M | 77.27M |
| Total Liabilities | - | - | 9.02M | 267.39M | 159.84M | 166.81M | 168.46M | 218.28M | 161.72M |
| Current Liabilities | - | 13.84M | 8.19M | 17.01M | 12.06M | 15.11M | 20.59M | 47.25M | 49.26M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 28.60M | 41.76M | 24.64M | 95.16M | 107.43M | 82.66M | 17.60M | -3.19M |
| Investing Cash Flow | -106.00K | -99.00K | -1.20M | -1.99M | -624.00K | -2.18M | -3.90M | -1.03M |
| Financing Cash Flow | -21.38M | -44.90M | 70.81M | -77.81M | -17.80M | -42.33M | -6.45M | -61.48M |
| Capital Expenditure | -106.00K | -99.00K | -1.20M | -111.00K | -238.00K | -123.00K | -165.00K | -56.00K |
| Free Cash Flow | 28.50M | 41.66M | 23.44M | 95.05M | 107.19M | 82.53M | 17.43M | -3.25M |
| Share Buybacks | 0 | 0 | 37.50M | 20.00M | 18.02M | 37.32M | 0 | 4.89M |
| Dividends Paid | 18.88M | 42.40M | 135.60M | 0 | 0 | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin % | 91.2% | 91.6% | 91.0% | 91.4% | 88.9% | 81.0% | 0.7% | 76.9% |
| Operating Margin % | 54.6% | 67.4% | 52.1% | 69.7% | 54.4% | 24.8% | -272.1% | -5.4% |
| Net Margin % | 54.2% | 67.4% | -89.6% | 67.7% | 37.1% | 18.8% | -562.0% | -4.5% |
| ROE % | -21.1% | -26.6% | -366.5% | 91.9% | 31.3% | 10.7% | -172.9% | -5.7% |
| ROCE % | - | 88.2% | 20.5% | 49.0% | 26.8% | 8.2% | -26.2% | -2.7% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 6.67% | 7.88M | $24.76M |
| 2 | True Wind Capital Management, L.P. | 6.38% | 7.55M | $23.69M |
| 3 | Portolan Capital Management, LLC | 5.84% | 6.90M | $21.68M |
| 4 | Wasatch Advisors LP | 4.12% | 4.87M | $15.30M |
| 5 | LB Partners LLC | 4.10% | 4.85M | $15.23M |
| 6 | Palogic Value Management, LP | 3.84% | 4.54M | $14.27M |
| 7 | Vanguard Capital Management LLC | 3.76% | 4.44M | $13.95M |
| 8 | Whetstone Capital Advisors, LLC | 3.21% | 3.80M | $11.93M |
| 9 | Ethos Financial Group, LLC | 2.76% | 3.27M | $10.26M |
| 10 | Geode Capital Management, LLC | 2.12% | 2.50M | $7.86M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for LPRO
Open Lending Corp SEC Filing (Aug 10, 2026) - Stock Titan
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These stocks are gapping in today's session - ChartMill
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LPRO Stock Alert: Halper Sadeh LLC is Investigating Whether Open Lending Corporation is Obtaining a Fair Price for its Shareholders - marketscreener.com
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D.A. Davidson reiterates Open Lending stock Buy on guidance affirm - Investing.com
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Open Lending (LPRO) Earnings Date and Reports 2026 $LPRO - marketbeat.com
<a href="https://news.google.com/rss/articles/CBMiZkFVX3lxTFBaRVh1QUZjcm5yUWI4Q3FJNExaZDZsVmw5TzNKenlndnpvMDZzajZnZ0RsSTN2Mk13anFWOHU0VzNsU01zSlhROWZzeVR4MVRjRjFxbkstaVVOd1JGM09XdWtMUEtXdw?oc=5" target="_blank">Open Lending (LPRO) Earnings …
Open Lending to Be Acquired by ANV Group in $3.15-Per-Share Tender Offer and Merger - TradingView
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LPRO — Frequently Asked Questions
What is the current share price of Open Lending Corp (LPRO)?
As of 2026-09-07 16:24 PDT, Open Lending Corp (LPRO) trades at $3.14 on NasdaqGM. Its 52-week range is $1.20 to $3.14.
What is the market capitalisation of LPRO?
Open Lending Corp (LPRO) has a market capitalisation of $371.53M on NasdaqGM.
What is the P/E ratio of LPRO?
LPRO trades at a trailing price-to-earnings (P/E) ratio of -62.80. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 4.93.
What is the return on equity (ROE) of LPRO?
LPRO has a return on equity (ROE) of -6.85%. Its return on capital employed (ROCE) is -2.67%.
Is LPRO a good stock to buy?
This page provides a data-driven analysis of Open Lending Corp (LPRO), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.