LPRO

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Open Lending Corp.

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Key Metrics

Previous Close: $0.00
52-Week Range: $1.18 – $3.15
Market Cap: $371.53M
P/E (TTM): —
EPS (TTM): -0.05
Dividend Yield: —

Advanced Metrics

Price/Book: 4.93
PEG Ratio: —
Return on Equity: -6.85%
Return on Assets: 1.07%
Gross Margin: 77.24%
Operating Margin: -3.09%
Profit Margin: -5.95%
Current Ratio: 4.44
Debt/Equity: 1.13
Total Debt: $85.08M
Free Cash Flow: $7.32M
Revenue Growth: -16.00%
Earnings Growth: —
Enterprise Value: $282.97M

LPRO Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$179.59M	$117.46M	$24.02M	$93.22M
Cost of Revenue	$19.97M	$22.28M	$23.86M	$21.55M
Gross Profit	$159.63M	$95.18M	$169.00K	$71.66M
Research & Development	$8.21M	$5.58M	$4.46M	$8.78M
Selling, General & Admin	$53.81M	$60.53M	$61.09M	$67.89M
Operating Expenses	$62.01M	$66.10M	$65.55M	$76.67M
Operating Income	$97.61M	$29.07M	-$65.38M	-$5.01M
EBITDA	$100.29M	$40.68M	-$51.61M	$6.70M
Pretax Income	$93.54M	$28.86M	-$64.61M	-$5.37M
Income Tax	$26.92M	$6.79M	$70.41M	-$1.13M
Net Income	$66.62M	$22.07M	-$135.01M	-$4.24M
Diluted EPS	0.53	0.18	-1.13	-0.04
Diluted Shares	126.26M	121.47M	119.18M	118.60M

LPRO Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$204.45M	$240.21M	$243.16M	$176.61M
Receivables	$69.86M	$40.35M	$18.59M	$29.05M
Current Assets	$280.74M	$289.88M	$275.73M	$222.69M
Total Assets	$379.63M	$374.04M	$296.37M	$236.68M
Current Liabilities	$15.11M	$20.59M	$47.25M	$49.26M
Long-Term Debt	$143.68M	$139.36M	$160.43M	$104.84M
Total Debt	$152.08M	$148.13M	$191.32M	$134.29M
Total Liabilities	$166.81M	$168.46M	$218.28M	$161.72M
Retained Earnings	-$215.82M	-$193.75M	-$328.76M	-$333.00M
Shareholders' Equity	$212.82M	$205.58M	$78.09M	$74.96M
Working Capital	$265.64M	$269.29M	$228.47M	$173.43M

LPRO Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$107.43M	$82.66M	$17.60M	-$3.19M
Capital Expenditure	-$624.00K	-$2.18M	-$3.90M	-$1.03M
Free Cash Flow	$106.81M	$80.48M	$13.70M	-$4.22M
Depreciation & Amortisation	$915.00K	$1.16M	$1.67M	$2.41M
Stock-Based Compensation	$5.45M	$9.49M	$8.68M	$7.04M
Investing Cash Flow	-$624.00K	-$2.18M	-$3.90M	-$1.03M
Financing Cash Flow	-$17.80M	-$42.33M	-$6.45M	-$61.48M
Dividends Paid	$0.00	—	—	—
Share Repurchases	-$18.02M	-$37.32M	$0.00	-$4.89M
Net Change in Cash	$89.01M	$38.15M	$7.25M	-$65.71M

LPRO Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$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	$18.31M	$19.80M	$18.85M	$14.70M	$15.64M
Research & Development	$2.27M	$2.52M	$2.05M	$1.95M	$1.77M
Selling, General & Admin	$15.28M	$16.11M	$24.50M	$12.00M	$14.50M
Operating Expenses	$17.55M	$18.63M	$26.55M	$13.94M	$16.27M
Operating Income	$762.00K	$1.18M	-$7.70M	$757.00K	-$633.00K
EBITDA	$3.81M	$4.12M	-$4.53M	$3.30M	$1.51M
Pretax Income	$673.00K	$1.11M	-$7.58M	$429.00K	-$470.00K
Income Tax	$56.00K	$80.00K	-$16.00K	-$1.25M	-$10.00K
Net Income	$617.00K	$1.03M	-$7.57M	$1.68M	-$460.00K
Diluted EPS	0.01	0.01	-0.06	0.01	0.00
Diluted Shares	119.63M	119.00M	118.17M	118.11M	117.78M

LPRO Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$236.23M	$230.66M	$222.13M	$176.61M	$173.31M
Receivables	$27.76M	$22.54M	$32.45M	$29.05M	$27.32M
Current Assets	$277.79M	$267.10M	$272.57M	$222.69M	$218.13M
Total Assets	$304.22M	$296.66M	$287.65M	$236.68M	$231.09M
Current Liabilities	$44.70M	$47.14M	$48.76M	$49.26M	$49.14M
Long-Term Debt	$169.54M	$160.61M	$156.85M	$104.84M	$100.21M
Total Debt	$197.55M	$189.35M	$184.20M	$134.29M	$130.35M
Total Liabilities	$224.39M	$217.71M	$214.83M	$161.72M	$155.77M
Retained Earnings	-$328.14M	-$327.11M	-$334.68M	-$333.00M	-$333.45M
Shareholders' Equity	$79.83M	$78.95M	$72.83M	$74.96M	$75.31M
Working Capital	$233.09M	$219.96M	$223.81M	$173.43M	$168.99M

LPRO Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	-$3.84M	$848.00K	-$5.65M	$5.45M	-$764.00K
Capital Expenditure	-$606.00K	-$228.00K	-$77.00K	-$119.00K	-$289.00K
Free Cash Flow	-$4.44M	$620.00K	-$5.73M	$5.33M	-$1.05M
Depreciation & Amortisation	$544.00K	$590.00K	$623.00K	$653.00K	$656.00K
Stock-Based Compensation	$1.85M	$2.33M	$1.45M	$1.42M	$1.13M
Investing Cash Flow	-$606.00K	-$228.00K	-$77.00K	-$119.00K	-$289.00K
Financing Cash Flow	-$2.63M	-$6.13M	-$1.88M	-$50.84M	-$2.21M
Share Repurchases	—	—	$0.00	-$934.00K	—
Net Change in Cash	-$7.08M	-$5.51M	-$7.61M	-$45.51M	-$3.27M

Market Snapshot

About

Open Lending Corporation is a financial technology company that provides lending enablement and risk analytics solutions to automotive lenders. The company's proprietary platform, Lenders Protection, uses machine learning and data analytics to help auto lenders offer credit to near-prime and non-prime borrowers more profitably by assessing risk and providing loan default insurance. Open Lending partners with credit unions, banks, captive finance companies, and other automotive lenders across the United States. The company's technology streamlines the lending process while helping lenders expand their addressable market to underserved borrower segments.