Open Lending Corporation (LPRO) quarterly cash flow statement — complete operating, investing & financing 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 |
|---|
| Cash from Operations | -546K | 5.45M | -5.65M | 848K | -3.84M | -3.38M | 11.38M | -1.41M | 11.01M | 16.75M | 20.32M | 16.07M | 29.51M | 22.43M | 31.41M | 21.66M | 31.93M | 26.73M | 35.44M | 14.15M |
| Operating CF Margin % | -2.66% | 28.17% | -23.39% | 3.35% | -15.73% | 5.93% | 48.46% | -5.26% | 35.8% | 112.16% | 78.15% | 42.12% | 76.92% | 83.64% | 62% | 41.61% | 63.78% | 51.78% | 60.18% | 23.15% |
| Operating CF Growth % | 85.77% | 261.34% | -149.7% | 160.27% | -134.87% | -120.16% | -44.02% | -108.75% | -62.7% | -25.31% | -35.29% | -25.79% | -7.59% | -16.08% | -11.37% | 53.06% | 69.54% | 223.45% | 711.17% | 186.92% |
| Net Income | -460K | 1.68M | -7.57M | 1.03M | 617K | -144.44M | 1.44M | 2.9M | 5.09M | -4.84M | 3M | 11.37M | 12.54M | -4.19M | 24.53M | 23.13M | 23.15M | 27.84M | 29.41M | 75.97M |
| Depreciation & Amortization | 656K | 653K | 623K | 590K | 544K | 393K | 494K | 415K | 372K | 335K | 328K | 252K | 244K | 659K | 233K | 226K | 221K | 293K | 24K | 283K |
| Stock-Based Compensation | 0 | 1.42M | 1.45M | 2.33M | 1.85M | 2.27M | 2.19M | 2.37M | 1.85M | 2.67M | 2.66M | 2.32M | 1.84M | 1.89M | 1.29M | 988K | 1.28M | 1.09M | 1.1M | 927K |
| Deferred Taxes | 70K | 0 | 0 | 0 | 0 | 65.61M | 642K | 1.7M | 2.15M | -5.37M | -1.4M | 561K | 1.22M | 8.23M | -6.86M | -1.55M | 554K | 879K | 2.27M | 15.57M |
| Other Non-Cash Items | 1.38M | 189K | 309K | 310K | 445K | 390K | 291K | 268K | 310K | 273K | 269K | 269K | 252K | -117K | 244K | 228K | 224K | 139K | 405K | -55.42M |
| Working Capital Changes | -2.19M | 1.51M | -463K | -3.42M | -7.29M | 72.39M | 6.33M | -9.06M | 1.23M | 23.69M | 15.46M | 1.3M | 13.41M | 15.96M | 11.97M | -1.36M | 6.5M | -3.51M | 2.23M | -23.18M |
| Change in Receivables | 27K | 1.31M | 3.77M | 1.54M | -15.23M | 27.67M | -6.27M | -3.01M | -391K | 22.75M | 14.13M | 1.63M | 11.41M | 18.06M | 9.09M | -415K | 3.22M | 341K | 695K | -766K |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3.79M | 901K | 0 |
| Change in Payables | 97K | -592K | 557K | 128K | -600K | 670K | -616K | 458K | 66K | 153K | 192K | -713K | 454K | 105K | -216K | 205K | -1.09M | -145K | -557K | -844K |
| Cash from Investing | -289K | -119K | -77K | -228K | -606K | -1.16M | -1.01M | -1.09M | -642K | -590K | -745K | -508K | -335K | 13K | -273K | -178K | -186K | -202K | -944K | -838K |
| Capital Expenditures | -289K | -217K | -77K | -228K | -45K | -4K | -110K | -51K | -642K | -20K | -26K | -41K | -36K | 13K | -152K | -14K | -56K | -202K | -944K | -838K |
| CapEx % of Revenue | 1.41% | 1.12% | 0.32% | 0.9% | 0.18% | -0.01% | 0.47% | 0.19% | 2.09% | 0.13% | 0.1% | 0.11% | 0.09% | 0.05% | 0.3% | 0.03% | 0.11% | 0.39% | 1.6% | 1.37% |
| Acquisitions | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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 Investing | 0 | 98K | 0 | 0 | -561K | -1.15M | -900K | -1.03M | 0 | -570K | -719K | -467K | -299K | 0 | -121K | -164K | -130K | 0 | 0 | 0 |
| Cash from Financing | -2.43M | -50.84M | -1.88M | -6.13M | -2.63M | -2.49M | -1.89M | -116K | -1.96M | -7.91M | -10.95M | -1.08M | -22.39M | -19.08M | 2.91M | -805K | -820K | -782K | -781K | -82.91M |
| Debt Issued (Net) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Equity Issued (Net) | 0 | -934K | 0 | -3.95M | 0 | 0 | 0 | 0 | 0 | -6M | -10M | 0 | -21.32M | -18.02M | 0 | 0 | 0 | 0 | 0 | -20M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | -934K | 0 | -3.95M | 0 | 0 | 0 | 0 | 0 | -6M | -10M | 0 | -21.32M | -18.02M | 0 | 0 | 0 | 0 | 0 | -20M |
| Other Financing | -339K | -33K | -2K | -303K | -758K | -612K | -10K | -116K | -1.02M | -970K | -13K | -146K | -129K | -128K | -994K | -24K | -39K | 0 | 0 | -37.13M |
| Net Change in Cash | -3.27M | -45.51M | -7.61M | -5.51M | -7.08M | -7.02M | 8.48M | -2.61M | 8.4M | 8.26M | 8.63M | 14.48M | 6.78M | 3.36M | 34.05M | 20.67M | 30.93M | 25.75M | 33.72M | -69.6M |
| Free Cash Flow | -546K | 4.67M | -5.73M | 1.4M | -4.44M | -4.54M | 10.37M | -2.49M | 10.36M | 16.16M | 19.58M | 15.56M | 29.17M | 22.45M | 31.14M | 21.48M | 31.75M | 26.53M | 34.5M | 13.31M |
| FCF Margin % | -2.66% | 24.15% | -23.71% | 5.52% | -18.22% | 7.97% | 44.16% | -9.33% | 33.71% | 108.21% | 75.29% | 40.79% | 76.05% | 83.69% | 61.46% | 41.27% | 63.41% | 51.39% | 58.58% | 21.78% |
| FCF Growth % | 87.71% | 203% | -155.28% | 156.08% | -142.88% | -128.06% | -47.05% | -116.02% | -64.47% | -27.99% | -37.12% | -27.54% | -8.11% | -15.39% | -9.74% | 61.36% | 68.57% | 224.9% | 833.33% | 189.98% |
| FCF per Share | -0.00 | 0.04 | -0.05 | 0.01 | -0.04 | -0.04 | 0.09 | -0.02 | 0.09 | 0.14 | 0.16 | 0.13 | 0.24 | 0.18 | 0.25 | 0.17 | 0.25 | 0.21 | 0.27 | 0.11 |
| FCF Conversion (FCF/Net Income) | 1.19x | 3.24x | 0.75x | 0.82x | -6.22x | 0.02x | 7.92x | -0.48x | 2.16x | -3.46x | 6.77x | 1.41x | 2.35x | -5.36x | 1.28x | 0.94x | 1.38x | 0.96x | 1.20x | 0.19x |
| Interest Paid | 0 | 0 | 2.33M | 2.33M | 2.49M | 4.61M | 0 | 2.72M | 3.54M | 2.72M | 2.62M | 2.44M | 2.54M | 661K | 1.1M | 1.03M | 721K | 698K | 769K | 0 |
| Taxes Paid | 0 | 0 | 0 | 73K | 16K | 0 | 0 | 0 | 0 | 67K | 282K | 8.53M | 197K | 8.64M | 6.62M | 12.35M | 8.5M | 5.88M | 6.95M | 0 |