Open Lending Corporation LPRO R2K
Financial Services · Credit Services · United States
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.
READ MORE ›$2.28
+27.37% 1Y
Market & Price
Market Cap
$269.53M
Current Price
$2.28
High / Low (52W)
$2.64 / $1.20
Beta
2.20
Valuation
Stock P/E
-
Industry PE
12.01
Forward P/E
13.41
PEG Ratio
-
Book Value
$0.64
Price to Book
3.58
P/S
3.02
EV/EBITDA
36.11
Dividend Yield
-
Profitability & Returns
ROCE
2.29%
ROE
-6.85%
ROA
1.07%
Profit Margin
-5.95%
Op Margin
-3.09%
EPS (Latest Qtr)
$0.00
EPS (TTM)
$-0.05
Balance Sheet & Liquidity
Debt/Equity
1.13
Quick Ratio
4.08
Current Ratio
4.44
Debt
$85.08M
Total Assets
$236.68M
Current Assets
$222.69M
Working Capital
$173.43M
Ownership
Promoter Holding
0.83%
Chg in Prom Hold
-
FII / Inst Holding
72.87%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
$181.30M
Total Revenue (TTM)
$89.31M
EBITDA
$5.02M
Free Cash Flow
$7.32M
Operating Cash Flow
$-120.00K
Shares Outstanding
118.22M
Gross Margin
77.24%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
-19.63%
Profit 5Y
-35.45%
Revenue (YoY)
-16.00%
Earnings (YoY)
-
PROS
- Generates positive free cash flow.
CONS
- Revenue declined at -19.6% CAGR over 5 years.
- Earnings shrank at -35.5% CAGR over 5 years.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
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
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
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 Corporation R2K | 2.28 | - | $269.53M | - | 2.29% | -6.85% | -19.63% | -35.45% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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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 | Dec 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 | 19.34M | 20.49M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 6.08M | 5.51M | 5.32M | 4.64M | 4.85M |
| 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 | 14.70M | 15.64M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 17.55M | 18.62M | 26.55M | 13.94M | 16.27M |
| 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 | 757.00K | -633.00K |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.81M | 4.12M | -4.53M | 3.30M | 1.51M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.59M | 2.42M | 2.43M | 2.22M | 1.33M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 673.00K | 1.11M | -7.58M | 429.00K | -470.00K |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 56.00K | 80.00K | -16.00K | -1.25M | -10.00K |
| 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 | 1.68M | -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 | 0.01 | 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 | - | 179.59M | 117.46M | 24.02M | 93.22M |
| Cost of Revenue | - | - | - | - | 19.97M | 22.28M | 23.86M | 21.55M |
| Gross Profit | 47.59M | 85.04M | 99.11M | - | 159.63M | 95.18M | 169.00K | 71.66M |
| Operating Expenses | - | - | - | - | 62.01M | 66.10M | 65.55M | 76.67M |
| Operating Income | 28.47M | 62.62M | 56.72M | - | 97.61M | 29.07M | -65.38M | -5.01M |
| EBITDA | - | - | - | - | 100.29M | 40.68M | -51.61M | 6.70M |
| Interest Expense | - | - | - | - | 5.83M | 10.66M | 11.32M | 9.66M |
| Pretax Income | - | - | - | - | 93.54M | 28.86M | -64.61M | -5.37M |
| Tax Provision | - | - | - | - | 26.92M | 6.79M | 70.41M | -1.13M |
| Net Income | 28.28M | 62.54M | -97.56M | - | 66.62M | 22.07M | -135.01M | -4.24M |
| Diluted EPS | - | -2.97 | -1.09 | 1.16 | 0.53 | 0.18 | -1.13 | - |
| R&D Expense | 802.00K | 1.17M | 1.96M | 4.35M | 8.21M | 5.58M | 4.46M | 8.78M |
Compounded Sales Growth
| 5 Years: | -19.63% |
| 1 Year: | -16.00% |
Compounded Profit Growth
| 5 Years: | -35.45% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | +27.37% |
| 6 Months: | +22.58% |
| 3 Months: | +71.43% |
| 1 Month: | +28.81% |
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 | - | 379.63M | 374.04M | 296.37M | 236.68M |
| Current Assets | - | - | - | - | - | 280.74M | 289.88M | 275.73M | 222.69M |
| Cash & Equivalents | - | 11.07M | 7.68M | 101.51M | - | 204.45M | 240.21M | 243.16M | 176.61M |
| Inventory | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | 5.72M | 4.62M | 5.05M | 3.65M |
| Total Liabilities | - | - | 9.02M | 267.39M | - | 166.81M | 168.46M | 218.28M | 161.72M |
| Current Liabilities | - | 13.84M | 8.19M | 17.01M | - | 15.11M | 20.59M | 47.25M | 49.26M |
| Long Term Debt | - | - | - | 152.86M | - | 143.68M | 139.36M | 160.43M | 104.84M |
| Total Debt | - | - | - | - | - | 152.08M | 148.13M | 191.32M | 134.29M |
| Total Equity | -74.87M | -133.79M | -234.78M | 26.62M | - | 212.82M | 205.58M | 78.09M | 74.96M |
| Shares Outstanding | - | - | - | - | - | 128.20M | 128.20M | 128.20M | 128.20M |
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 | - | 107.43M | 82.66M | 17.60M | -3.19M |
| Investing Cash Flow | -106.00K | -99.00K | -1.20M | - | -624.00K | -2.18M | -3.90M | -1.03M |
| Financing Cash Flow | -21.38M | -44.90M | 70.81M | - | -17.80M | -42.33M | -6.45M | -61.48M |
| Capital Expenditure | -106.00K | -99.00K | -1.20M | - | -624.00K | -2.18M | -3.90M | -1.03M |
| Free Cash Flow | 28.50M | 41.66M | 23.44M | - | 106.81M | 80.48M | 13.70M | -4.22M |
| Net Change in Cash | - | - | - | - | 89.01M | 38.15M | 7.25M | -65.71M |
| 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% | - | 88.9% | 81.0% | 0.7% | 76.9% |
| Operating Margin % | 54.6% | 67.4% | 52.1% | - | 54.4% | 24.8% | -272.1% | -5.4% |
| Net Margin % | 54.2% | 67.4% | -89.6% | - | 37.1% | 18.8% | -562.0% | -4.5% |
| ROE % | -21.1% | -26.6% | -366.5% | - | 31.3% | 10.7% | -172.9% | -5.7% |
| ROCE % | - | 88.2% | 20.5% | - | 26.8% | 8.2% | -26.2% | -2.7% |
Shareholding Pattern
Insiders
0.83%
Institutions
72.87%
Public Float
73.49%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | True Wind Capital Management, L.P. | 6.38% | 7.55M | $17.20M |
| 2 | Blackrock Inc. | 6.23% | 7.37M | $16.80M |
| 3 | Wasatch Advisors LP | 5.97% | 7.05M | $16.08M |
| 4 | Portolan Capital Management, LLC | 5.84% | 6.90M | $15.74M |
| 5 | LB Partners LLC | 4.57% | 5.40M | $12.31M |
| 6 | Palogic Value Management, LP | 3.84% | 4.54M | $10.36M |
| 7 | Vanguard Capital Management LLC | 3.76% | 4.44M | $10.13M |
| 8 | Whetstone Capital Advisors, LLC | 3.21% | 3.80M | $8.66M |
| 9 | Ethos Financial Group, LLC | 2.93% | 3.46M | $7.90M |
| 10 | Geode Capital Management, LLC | 2.12% | 2.50M | $5.71M |
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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