Open Lending Corporation (LPRO) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Total Current Assets | 218.13M | 222.69M | 272.57M | 267.1M | 277.79M | 275.73M | 294.73M | 293.21M | 290.47M | 289.88M | 293.86M | 284.51M | 272M | 280.74M | 283.21M | 259.06M | 220.6M | 202.79M | 165.56M | 133.75M |
| Cash & Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash Only | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Sales Outstanding | 114.53 | 129.05 | 62.5 | 51.41 | 72.35 | -15.83 | 17.64 | 17.35 | 15.34 | 30.43 | 20.51 | 15.44 | 14.48 | 21.22 | 12.36 | 13.13 | 13.11 | 11.94 | 11.28 | 10.7 |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Assets | 5.86M | 17.02M | 17.99M | 13.91M | 13.8M | 13.97M | 22.12M | 10.11M | 10.77M | 9.31M | 8.94M | 8.32M | 6.54M | 6.43M | 6.86M | 6.75M | 4.78M | 5.45M | 3.65M | 3.52M |
| Total Non-Current Assets | 12.96M | 13.99M | 15.08M | 29.56M | 26.44M | 20.64M | 100.98M | 89.59M | 90.13M | 84.16M | 89.52M | 102.29M | 100.9M | 98.89M | 115.75M | 107.76M | 122.13M | 116.03M | 127.68M | 127.39M |
| Property, Plant & Equipment | 3.25M | 3.52M | 3.79M | 4.06M | 4.33M | 4.61M | 9.61M | 8.5M | 7.96M | 4.82M | 7.86M | 7.32M | 7.12M | 7.18M | 7.55M | 7.7M | 7.84M | 7.85M | 7.99M | 8.05M |
| Fixed Asset Turnover | 6.05x | 5.29x | 6.15x | 6.03x | 5.46x | -8.01x | 2.59x | 3.25x | 4.81x | 2.36x | 3.43x | 5.28x | 5.36x | 3.64x | 6.65x | 6.70x | 6.38x | 6.52x | 7.34x | 8.01x |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 3.82M | 4.05M | 4.64M | 5.12M | 5.4M | 5.39M | 0 | 0 | 0 | 3.09M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 2.38M | 2.89M | 0 | 0 | 11.2M | 5.09M | 22.1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 231.09M | 236.68M | 287.65M | 296.66M | 304.22M | 296.37M | 395.71M | 382.8M | 380.6M | 374.04M | 383.38M | 386.8M | 372.9M | 379.63M | 398.96M | 366.81M | 342.73M | 318.82M | 293.24M | 261.14M |
| Asset Turnover | 0.09x | 0.07x | 0.08x | 0.08x | 0.08x | -0.16x | 0.06x | 0.07x | 0.08x | 0.04x | 0.07x | 0.10x | 0.10x | 0.07x | 0.13x | 0.15x | 0.15x | 0.17x | 0.21x | 0.21x |
| Asset Growth % | -24.04% | -20.14% | -27.31% | -22.5% | -20.07% | -20.77% | 3.22% | -1.03% | 2.06% | -1.47% | -3.91% | 5.45% | 8.8% | 19.07% | 36.05% | 40.47% | 4.88% | 8.44% | -0.56% | 39.99% |
| Total Current Liabilities | 49.14M | 49.26M | 48.76M | 47.14M | 44.7M | 47.25M | 31.28M | 22.01M | 22.11M | 20.59M | 19.97M | 17.97M | 16.75M | 15.11M | 16.98M | 14.02M | 12.41M | 12.06M | 17.05M | 14.64M |
| Accounts Payable | 543K | 446K | 1.04M | 481K | 352K | 953K | 282K | 899K | 440K | 375K | 221K | 30K | 741K | 288K | 183K | 421K | 195K | 1.28M | 1.43M | 1.99M |
| Days Payables Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Debt | 7.5M | 8.4M | 24.73M | 7.5M | 7.5M | 7.5M | 7.5M | 7.5M | 4.69M | 4.69M | 3.75M | 3.75M | 3.75M | 3.75M | 3.75M | 3.91M | 3.13M | 3.13M | 3.13M | 3.13M |
| Deferred Revenue (Current) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Liabilities | 41.09M | 40.41M | 14.35M | 31.21M | 29.25M | 38.02M | 23.5M | 5.4M | 9.08M | 6.76M | 6.7M | 6.7M | 5.89M | 4.12M | 4.21M | 3.58M | 3.58M | 3.18M | 4.03M | 4.46M |
| Current Ratio | 4.44x | 4.52x | 5.59x | 5.67x | 6.21x | 5.84x | 9.42x | 13.32x | 13.14x | 14.08x | 14.71x | 15.83x | 16.24x | 18.58x | 16.68x | 18.48x | 17.78x | 16.81x | 9.71x | 9.13x |
| Quick Ratio | 4.44x | 4.52x | 5.59x | 5.67x | 6.21x | 5.84x | 9.42x | 13.32x | 13.14x | 14.08x | 14.71x | 15.83x | 16.24x | 18.58x | 16.68x | 18.48x | 17.78x | 16.81x | 9.71x | 9.13x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 106.63M | 112.46M | 166.07M | 170.57M | 179.7M | 171.03M | 143.96M | 144.01M | 146.96M | 147.87M | 148.68M | 149.68M | 150.6M | 151.7M | 148.71M | 145.33M | 146.94M | 147.78M | 148.6M | 149.42M |
| Long-Term Debt | 75.44M | 77.27M | 156.85M | 128.64M | 130.43M | 132.22M | 134M | 135.79M | 138.51M | 139.36M | 141.14M | 141.98M | 142.83M | 143.68M | 144.48M | 140.96M | 142.44M | 143.13M | 143.83M | 144.52M |
| Capital Lease Obligations | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Deferred Tax Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | 155.77M | 161.72M | 214.83M | 217.71M | 224.39M | 218.28M | 175.24M | 166.02M | 169.06M | 168.46M | 168.66M | 167.65M | 167.35M | 166.81M | 165.69M | 159.34M | 159.35M | 159.84M | 165.65M | 164.06M |
| Total Debt | 85.08M | 88.05M | 184.2M | 138.98M | 140.99M | 143.77M | 144.97M | 146.39M | 146.48M | 148.13M | 148.51M | 149.51M | 150.51M | 152.08M | 152.46M | 149.24M | 150.07M | 151.4M | 151.73M | 152.54M |
| Net Debt | -99.87M | -88.57M | -37.94M | -91.68M | -95.24M | -99.39M | -105.27M | -101.61M | -100.5M | -92.08M | -84.1M | -74.94M | -60.08M | -52.37M | -49.35M | -18.46M | 2.67M | 34.94M | 60.86M | 95.39M |
| Debt / Equity | 1.13x | 1.17x | 2.53x | 1.76x | 1.77x | 1.84x | 0.66x | 0.68x | 0.69x | 0.72x | 0.69x | 0.68x | 0.73x | 0.71x | 0.65x | 0.72x | 0.82x | 0.95x | 1.19x | 1.57x |
| Debt / EBITDA | 3699.00x | 62.44x | - | 78.70x | 107.96x | - | 61.43x | 33.23x | 19.04x | - | 30.53x | 9.36x | 8.68x | 28.00x | 5.44x | 4.52x | 4.62x | 4.26x | 3.69x | 3.38x |
| Net Debt / EBITDA | -4342.35x | -62.81x | - | -51.91x | -72.92x | - | -44.61x | -23.07x | -13.06x | - | -17.29x | -4.69x | -3.46x | -9.64x | -1.76x | -0.56x | 0.08x | 0.98x | 1.48x | 2.11x |
| Interest Coverage | -0.48x | 1.19x | -2.12x | 0.49x | 1.26x | -26.59x | 1.72x | 1.46x | 3.72x | -1.82x | 2.62x | 6.84x | 8.03x | 2.79x | 17.33x | 29.21x | 40.18x | 72.13x | 42.48x | 89.44x |
| Total Equity | 75.31M | 74.96M | 72.83M | 78.95M | 79.83M | 78.09M | 220.46M | 216.78M | 211.54M | 205.58M | 214.72M | 219.15M | 205.55M | 212.82M | 233.27M | 207.47M | 183.38M | 158.98M | 127.59M | 97.08M |
| Equity Growth % | -5.65% | -4% | -66.97% | -63.58% | -62.26% | -62.02% | 2.67% | -1.08% | 2.91% | -3.4% | -7.95% | 5.63% | 12.09% | 33.87% | 82.83% | 113.71% | 356.33% | 497.18% | 272.18% | 120.91% |
| Book Value per Share | 0.64 | 0.63 | 0.62 | 0.66 | 0.67 | 0.65 | 1.85 | 1.82 | 1.77 | 1.72 | 1.77 | 1.80 | 1.67 | 1.69 | 1.85 | 1.64 | 1.45 | 1.26 | 1.01 | 0.77 |
| Total Shareholders' Equity | 75.31M | 74.96M | 72.83M | 78.95M | 79.83M | 78.09M | 220.46M | 216.78M | 211.54M | 205.58M | 214.72M | 219.15M | 205.55M | 212.82M | 233.27M | 207.47M | 183.38M | 158.98M | 127.59M | 97.08M |
| Common Stock | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M |
| Retained Earnings | -333.45M | -333M | -334.68M | -327.11M | -328.14M | -328.76M | -184.32M | -185.76M | -188.66M | -193.75M | -188.91M | -191.91M | -203.28M | -215.82M | -211.63M | -236.16M | -259.29M | -282.44M | -310.16M | -339.58M |
| Treasury Stock | -84.47M | -90.99M | -90.61M | -90.64M | -91.19M | -97.1M | -98.41M | -98.47M | -99.7M | -103.98M | -101.63M | -91.6M | -92.98M | -72.26M | -56.22M | -56.4M | -56.68M | -56.84M | -57.5M | -57.5M |
| Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |