Open Lending Corporation (NASDAQ: LPRO) is a Financial Services company in the Financial - Credit Services industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | - | EPS (ttm) | -0.04 | Insider Own | 37.60% | Shs Outstand | 118.32M | Perf Week | 0.00% |
| Market Cap | 371.53M | Forward P/E | 19.63 | EPS next Y | 0.16 | Insider Trans | 0.00% | Shs Float | 95.30M | Perf Month | 0.64% |
| Enterprise Value | 271.66M | PEG | - | EPS next Q | - | Inst Own | - | Short Float | 2.17% | Perf Quarter | 75.42% |
| Income | -5.35M | P/S | 4.16 | EPS this Y | 331.25% | Inst Trans | - | Short Ratio | 0.81 | Perf Half Y | 65.26% |
| Sales | 89.31M | P/B | 4.91 | EPS next Y | 72.97% | ROA | -2.30% | Short Interest | 2.07M | Perf YTD | 102.58% |
| Book/sh | - | P/C | - | EPS next 5Y | 77.06% | ROE | -7.04% | 52W High | 3.15 -0.32% | Perf Year | 20.31% |
| Cash/sh | - | P/FCF | - | EPS past 3/5Y | - | ROIC | -2.76% | 52W Low | 1.18 166.10% | Perf 3Y | -72.21% |
| Dividend Est. | - | EV/EBITDA | 61.57 | Sales past 3/5Y | -19.76% -3.13% | Gross Margin | 77.24% | Volatility | 0.38% 0.43% | Perf 5Y | -92.26% |
| Dividend TTM | - | EV/Sales | 3.04 | EPS Y/Y TTM | 96.46% | Oper. Margin | -7.17% | ATR (14) | 0.04 | Perf 10Y | - |
| Dividend Ex-Date | - | Quick Ratio | 4.44 | Sales Y/Y TTM | 283.33% | Profit Margin | -5.95% | RSI (14) | 70.02 | Recom | 2.67 |
| Dividend Gr. 3/5Y | - | Current Ratio | 4.44 | EPS Q/Q | - | SMA20 | 0.21% | Beta | 2.19 | Target Price | 3.15 |
| Payout | 0.00% | Debt/Eq | 1.13 | Sales Q/Q | -16.67% | SMA50 | 15.04% | Rel Volume | 0.37 | Prev Close | 3.15 |
| Employees | 164 | LT Debt/Eq | 1.05 | Earnings | Aug 05 | SMA200 | 63.10% | Avg Volume | 2.74M | Price | 3.14 |
| IPO Date | Mar 26, 2018 | Option/Short | Yes / Yes | EPS/Sales Surpr. | -141.22% 0.39% | Net Debt/EBITDA | -22.64 | Volume | 1,018,704 | Change | -0.32% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jun-26-26 | Downgrade | DA Davidson | Buy → Neutral | $3.00 → $3.15 |
| Jun-17-26 | Reiterated | Northland Securities | $3.15 | |
| Jun-17-26 | Reiterated | DA Davidson | Buy | $4.00 → $3.00 |
| Mar-20-25 | Downgrade | Jefferies | Buy → Hold | |
| Jan-29-25 | Upgrade | Needham | Hold → Buy | |
| Sep-13-24 | Reiterated | D.A. Davidson | Buy | $8.00 |
| Jul-22-24 | Downgrade | Needham | Buy → Hold | |
| Mar-26-24 | Reiterated | Canaccord Genuity | Hold | $7.00 |
| Feb-06-24 | Upgrade | Morgan Stanley | Underweight → Equal Weight | $7.00 |
| Nov-08-23 | Downgrade | Canaccord Genuity | Buy → Hold |
Based in Austin, Texas, and established in 2000, Open Lending Corporation delivers specialized solutions for empowering lending operations and conducting risk analysis. Their services are utilized by a diverse range of financial institutions throughout the United States, including credit unions, regional banks, independent auto finance companies, and the captive finance arms of original equipment manufacturers. A key offering is their Software as a Service (SaaS) platform, known as the Lenders Protection Program (LPP). This innovative platform assists external lenders by streamlining the process of making loan decisions and automating underwriting. It also facilitates the provision of credit default insurance through affiliated insurance providers. The LPP suite incorporates functionalities such as in-depth loan data analysis, dynamic risk-adjusted pricing for loans, sophisticated risk forecasting models, and intelligent automated decision-making tools, all tailored for the automotive lending industry.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 92 | 93 | 24 | 117 | 180 | 216 | 109 | 93 | 52 | |
| Cost of Goods Sold Incl. D&A | 22 | 23 | 24 | 22 | 20 | 19 | 10 | 8 | 5 | |
| Gross Profit | 72 | 70 | 0 | 95 | 160 | 197 | 99 | 85 | 48 | |
| Selling, General and Administrative Excl. Other | 73 | 77 | 61 | 61 | 54 | 42 | 40 | 21 | 18 | |
| Research and Development | 9 | 9 | 4 | 6 | 8 | 4 | 2 | 1 | 1 | |
| Other Operating Expense | -4 | -22 | 1 | -1 | 0 | 1 | 0 | 0 | 0 | |
| Operating Income | -5 | 6 | -65 | 29 | 98 | 150 | 57 | 63 | 28 | |
| Interest Expense | 9 | 10 | 11 | 11 | 6 | 6 | 12 | 0 | 0 | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 10 | -2 | 12 | 10 | 2 | 47 | -136 | 0 | 0 | |
| Net Income Before Taxes | -6 | -5 | -65 | 29 | 94 | 191 | -91 | 63 | 28 | |
| Income Taxes | -1 | -1 | 70 | 7 | 27 | 45 | 7 | 0 | 0 | |
| Consolidated Net Income | -4 | -4 | -135 | 22 | 67 | 146 | -98 | 63 | 28 | |
| Net Income From Continuing Operations | -4 | -4 | -135 | 22 | 67 | 146 | -98 | 63 | 28 | |
| Net Income | -4 | -4 | -135 | 22 | 67 | 146 | -98 | 63 | 28 | |
| EPS (Recurring) | -0.04 | -0.04 | -1.13 | 0.18 | 0.53 | 1.16 | -1.18 | 1.66 | 0.31 | |
| EPS (Basic, Before Extraordinaries) | -0.04 | -0.04 | -1.13 | 0.18 | 0.53 | 1.16 | -1.18 | 1.66 | 0.31 | |
| EPS (Diluted) | -0.04 | -0.04 | -1.13 | 0.18 | 0.53 | 1.16 | -1.18 | 1.66 | 0.31 | |
| EBITDA | 6 | 8 | -52 | 41 | 100 | 198 | -78 | 63 | 29 | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | — | — | — | 47.28 | 12.74 | 19.38 | — | 6.35 | 31.45 | |
| Price To Sales Ratio | 4.06 | 1.98 | 29.60 | 8.80 | 4.73 | 13.11 | 26.62 | 4.31 | 17.25 | |
| Gross Margin | 78.26 | 75.27 | 0.00 | 81.20 | 88.89 | 91.20 | 90.83 | 91.40 | 92.31 | |
| Operating Margin | -5.43 | 6.45 | -270.83 | 24.79 | 54.44 | 69.44 | 52.29 | 67.74 | 53.85 | |
| Net Margin | -4.35 | -4.30 | -562.50 | 18.80 | 37.22 | 67.59 | -89.91 | 67.74 | 53.85 | |
| Shares Outstanding | 119 | 119 | 119 | 121 | 126 | 126 | 83 | 38 | 92 | |
| Market Capitalization | 374 | 184 | 710 | 1,030 | 851 | 2,832 | 2,902 | 401 | 897 | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Chaudhary Abhijit | Director | Jun 03 '26 | Option Exercise | 0.00 | 14,943 | 0 | 14,943 | Jun 05 |
| Hart Todd C | Director | Jun 03 '26 | Option Exercise | 0.00 | 13,933 | 0 | 13,933 | Jun 05 |
| FELDSTEIN ERIC A | Director | May 21 '26 | Option Exercise | 0.00 | 76,530 | 0 | 122,686 | May 22 |
| Sather Matthew | Chief Underwriting Officer | Mar 15 '26 | Option Exercise | 0.00 | 24,133 | 0 | 64,356 | Mar 17 |
| Massey Ben | General Counsel | Mar 15 '26 | Option Exercise | 0.00 | 24,736 | 0 | 32,872 | Mar 17 |
| Glasl Michelle | Chief Operating Officer | Mar 15 '26 | Option Exercise | 0.00 | 18,000 | 0 | 15,120 | Mar 17 |
| Sather Matthew | Chief Underwriting Officer | Nov 19 '25 | Buy | 1.52 | 40,000 | 60,800 | 44,363 | Nov 21 |
| Stark Matthew | See Remarks | Oct 19 '25 | Option Exercise | 0.00 | 18,301 | 0 | 77,726 | Oct 22 |
| Jehl Charles D | Director | Jun 29 '25 | Option Exercise | 0.00 | 319,893 | 0 | 672,794 | Jul 01 |
| RAO SHUBHI SURYAJI | Director | May 21 '25 | Option Exercise | 0.00 | 23,455 | 0 | 41,806 | May 23 |
| FELDSTEIN ERIC A | Director | May 21 '25 | Option Exercise | 0.00 | 23,455 | 0 | 46,156 | May 23 |
| Buss Jessica E | Chief Executive Officer | May 21 '25 | Option Exercise | 0.00 | 39,093 | 0 | 85,539 | May 23 |
| Buss Jessica E | Chief Executive Officer | May 12 '25 | Buy | 1.93 | 12,975 | 24,996 | 46,446 | May 14 |
| Jehl Charles D | Interim CFO | May 06 '25 | Option Exercise | 0.00 | 37,500 | 0 | 388,770 | May 08 |
| Jehl Charles D | Interim CFO | Apr 12 '25 | Option Exercise | 0.00 | 4,655 | 0 | 352,403 | Apr 15 |