GuruFocus·1 day ago
Are AVB, LPRO, APGE, TMHC Obtaining Fair Deals for their Shareholders?Are AVB, LPRO, APGE, TMHC Obtaining Fair Deals for their Shareholders? PR Newswire NEW YORK, July 6, 2026
Open Lending Corporation(LPRO)Earnings, Financials & Key Ratios
LPRO•NASDAQ
$3.13
Price updated Jul 7, 2026
AboutOpen 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.Show more
- EBITDA$8M+113.2%
- Net Income-$4M+96.9%
- EPS (Diluted)-0.04+96.8%
- Gross Margin75.52%+10635.6%
- EBITDA Margin9.02%+103.4%
- Operating Margin6.43%+102.4%
- Net Margin-4.54%+99.2%
- ROE-5.54%+94.2%
LPRO Price & Volume
Open Lending Corporation (LPRO) stock price & volume — 10-year historical chart
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Accounting Volatility Masks Structural Profitability Challenges
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Cyclical credit model volatility
Key Thesis Takeaways
- Open Lending's business model remains highly sensitive to auto credit cycles, as evidenced by the extreme revenue volatility and the $144.4 million net loss reported in 2024Q4.
- While the company maintains a robust gross margin profile consistently exceeding 75%, the inability to translate this into sustained operating income suggests that high infrastructure costs and accounting-driven earnings adjustments continue to cloud the firm's true growth trajectory.
- Investors should monitor the persistent $333.5 million accumulated deficit and the reliance on contract asset valuations, which may obscure the underlying credit risk within the serviced loan portfolio.
Verdict Logic
while the current ratio of 4.44 provides a solid short-term liquidity buffer, the lack of consistent profitability and the -87.39 P/E ratio suggest significant execution risk remains.
LPRO Growth Metrics
Open Lending Corporation (LPRO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-3.06%
3 Years-19.63%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM96.19%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM96.14%
Return on Capital
10 Years19.81%
5 Years13.94%
3 Years-3.62%
Last Year2.75%
LPRO Recent Earnings
Open Lending Corporation (LPRO) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (8%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
May 7, 2026Metric
Actual
Est
EPS
$0.00-139.1%
$0.01
Rev
$20M+0.4%
$20M
Q2 2026
Mar 12, 2026Metric
Actual
Est
EPS
$0.01-50.0%
$0.02
Rev
$19M-11.7%
$22M
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$0.03+200.0%
$0.01
Rev
$24M+10.3%
$22M
Q3 2025
Aug 6, 2025Metric
Actual
Est
EPS
$0.01-50.0%
$0.02
Rev
$25M+5.9%
$24M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $0.00vs $0.01-139.1% | $20Mvs $20M+0.4% |
| Q2 2026 | Mar 12, 2026 | $0.01vs $0.02-50.0% | $19Mvs $22M-11.7% |
| Q4 2025 | Nov 6, 2025 | $0.03vs $0.01+200.0% | $24Mvs $22M+10.3% |
| Q3 2025 | Aug 6, 2025 | $0.01vs $0.02-50.0% | $25Mvs $24M+5.9% |
Based on last 12 quarters of dataView full earnings history →
Latest LPRO News
Recent stock market news and headlines for Open Lending Corporation (LPRO)
PRNewsWire·1 day ago
Are AVB, LPRO, APGE, TMHC Obtaining Fair Deals for their Shareholders?/PRNewswire/ -- Halper Sadeh LLC, an investor rights law firm, is investigating the following companies for potential violations of the federal securities laws
Globe News Wire·Jun 30, 2026
Halper Sadeh LLC is Investigating Whether LPRO, EQR, LEG, MDV are Obtaining Fair Deals for their ShareholdersInsiders may stand to receive substantial financial benefits not available to ordinary shareholders. The proposed transactions may contain terms that could limit superior competing offers. Shareholders are encouraged to contact the firm to discuss their rights and options at no cost or obligation.
GlobeNewsWire·Jun 17, 2026
LPRO Alert: Monsey Firm of Wohl & Fruchter Investigating Fairness of the Proposed Sale of Open Lending Corporation to ANV Group HoldingsMONSEY, N.Y., June 17, 2026 (GLOBE NEWSWIRE) -- The law firm of Wohl & Fruchter LLP is investigating the fairness of the proposed sale of Open Lending Corporation (Nasdaq: LPRO) (“LPRO”) for $3.15 per share in cash to ANV Group Holdings.
Peers Comparison
Key metrics vs top competitors for Open Lending Corporation (LPRO)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $3.13 | $370.02M | -87.68 | 288.02% | -4.54% | -5.54% | — | |
| $45.14 | $625.45M | 4.19 | 24.12% | 15.02% | 85.96% | — | |
| $33.06 | $3.16B | 73.47 | 58.87% | 4.25% | 6.59% | — | |
| $83.62 | $27.85B | 557.47 | 38.8% | 11.95% | 11.17% | — | |
| $18.03 | $687.68M | -2.31 | 10.36% | -21.88% | -25% | — | |
| $237.00 | $5.91B | 20.47 | 18.58% | 9.95% | 24.88% | — |
Compare LPRO vs Peers
Open Lending Corporation (LPRO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
LPRO SEC Filings & Documents
Open Lending Corporation (LPRO) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 7, 2026·SEC
Material company update
Mar 12, 2026·SEC
Material company update
Mar 6, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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LPRO Frequently Asked Questions
Open Lending Corporation (LPRO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Open Lending Corporation's revenue?
Open Lending Corporation (LPRO) reported $89.3M in revenue for fiscal year 2025.
How fast is Open Lending Corporation growing?
Open Lending Corporation (LPRO) grew revenue by 288.0% over the past year. This is strong growth.
Is LPRO profitable?
Open Lending Corporation (LPRO) reported a net loss of $5.3M for fiscal year 2025.
Dividend & Returns
What is LPRO's return on equity?
Open Lending Corporation (LPRO) has a return on equity (ROE) of -5.5%. Negative ROE indicates the company is unprofitable.
What is Open Lending Corporation's free cash flow?
Open Lending Corporation (LPRO) had negative free cash flow of $0.2M in fiscal year 2025, likely due to heavy capital investments.