Symbols / LPRO Stock $1.77 +5.99% Open Lending Corporation

Financial Services • Credit Services • United States • NGM
LPRO (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Ms. Jessica Elizabeth Buss CPA
Exch · Country NGM · United States
Market Cap 209.24M
Enterprise Value 119.72M
Income -4.24M
Sales 93.22M
FCF (ttm) -5.08M
Book/sh 0.64
Cash/sh 1.50
Employees 164
Insider 10d —
IPO Mar 26, 2018
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E —
Forward P/E 9.83
PEG —
P/S 2.24
P/B 2.78
P/C —
EV/EBITDA 18.99
EV/Sales 1.28
Quick Ratio 4.17
Current Ratio 4.52
Debt/Eq 117.46
LT Debt/Eq —
EPS (ttm) -0.04
EPS next Y 0.18
EPS Growth —
Revenue Growth —
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-05-07
Earnings (prior) 2026-03-12
ROA 1.41%
ROE -5.54%
ROIC —
Gross Margin 76.88%
Oper. Margin 3.91%
Profit Margin -4.54%
Shs Outstand 118.22M
Shs Float 88.75M
Insider Own 0.77%
Instit Own 77.13%
Short Float 2.77%
Short Ratio 4.47
Short Interest 2.84M
52W High 2.70
vs 52W High -34.44%
52W Low 1.15
vs 52W Low 54.59%
Beta 2.02
Impl. Vol. 1.89%
Rel Volume 0.59
Avg Volume 582.65K
Volume 343.76K
Target (mean) $2.38
Tgt Median $2.00
Tgt Low $1.40
Tgt High $3.50
# Analysts 5
Recom Buy
Prev Close $1.67
Price $1.77
Change 5.99%
About

Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, finance companies, and captive finance companies of automakers in the United States. The company offers lenders protection platform (LPP), which is a cloud-based automotive lending enablement platform that provides loan analytics solutions and automated issuance of credit default insurance with third-party insurance providers. Its LPP products include loan analytics, risk-based loan pricing, risk modeling, and automated decision technology for automotive lenders. The company was founded in 2000 and is headquartered in Austin, Texas.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$2.38
Mean price target
2. Current target
$1.77
Latest analyst target
3. DCF / Fair value
$-0.77
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$1.77
Low
$1.40
High
$3.50
Mean
$2.38

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-17 main Canaccord Genuity Hold → Hold $2
2026-03-16 main DA Davidson Buy → Buy $3
2025-11-13 main Canaccord Genuity Hold → Hold $2
2025-11-11 main DA Davidson Buy → Buy $4
2025-08-07 main Raymond James Outperform → Outperform $3
2025-05-09 main Needham Buy → Buy $3
2025-04-16 main DA Davidson Buy → Buy $4
2025-04-02 main DA Davidson Buy → Buy $4
2025-04-02 main Needham Buy → Buy $2
2025-03-20 down Jefferies Buy → Hold $4
2025-01-29 up Needham Hold → Buy $7
2024-10-02 reit Needham — → Hold —
2024-08-12 main DA Davidson Buy → Buy $8
2024-08-09 main JMP Securities Market Outperform → Market Outperform $7
2024-08-09 main Morgan Stanley Equal-Weight → Equal-Weight $5
2024-07-22 down Needham Buy → Hold —
2024-05-08 main Canaccord Genuity Hold → Hold $6
2024-05-08 main Needham Buy → Buy $7
2024-03-26 main Raymond James Outperform → Outperform $8
2024-03-26 reit JMP Securities Market Outperform → Market Outperform $8
News
RSS: Latest LPRO news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-13 GLASL MICHELLE Chief Operating Officer — 18,000 — —
2026-03-13 SATHER MATTHEW Officer — 24,133 — —
2026-03-13 MASSEY BEN General Counsel — 24,736 — —
2025-11-19 SATHER MATTHEW Officer — 40,000 $1.52 $60,800
2025-10-17 STARK MATTHEW Officer — 18,301 — —
2025-06-27 JEHL CHARLES D Director — 319,893 — —
2025-05-21 FELDSTEIN ERIC A Director — 23,455 — —
2025-05-21 BUSS JESSICA ELIZABETH Chief Executive Officer — 39,093 — —
2025-05-21 RAO SHUBHI SURYAJI Director — 23,455 — —
2025-05-12 BUSS JESSICA ELIZABETH Chief Executive Officer — 12,975 $1.93 $24,996
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
93.22
+288.02%
24.02
-79.55%
117.46
-34.60%
179.59
Operating Revenue
93.22
+288.02%
24.02
-79.55%
117.46
-34.60%
179.59
Cost Of Revenue
21.55
-9.64%
23.86
+7.06%
22.28
+11.59%
19.97
Reconciled Cost Of Revenue
21.55
-9.64%
23.86
+7.06%
22.28
+11.59%
19.97
Gross Profit
71.66
+42303.55%
0.17
-99.82%
95.18
-40.37%
159.63
Operating Expense
76.67
+16.97%
65.55
-0.84%
66.10
+6.60%
62.01
Research And Development
8.78
+96.71%
4.46
-19.96%
5.58
-32.05%
8.21
Selling General And Administration
67.89
+11.14%
61.09
+0.92%
60.53
+12.49%
53.81
Selling And Marketing Expense
14.80
-14.04%
17.22
-1.53%
17.48
-2.08%
17.86
General And Administrative Expense
53.09
+21.03%
43.87
+1.91%
43.04
+19.73%
35.95
Other Gand A
53.09
+21.03%
43.87
+1.91%
43.04
+19.73%
35.95
Total Expenses
98.22
+9.87%
89.40
+1.15%
88.39
+7.81%
81.98
Operating Income
-5.01
+92.34%
-65.38
-324.86%
29.07
-70.21%
97.61
Total Operating Income As Reported
-5.01
+92.34%
-65.38
-324.86%
29.07
-70.21%
97.61
EBITDA
6.70
+112.99%
-51.61
-226.88%
40.68
-59.44%
100.29
Normalized EBITDA
6.70
+112.99%
-51.61
-226.88%
40.68
-59.44%
100.29
Reconciled Depreciation
2.41
+43.97%
1.67
+44.43%
1.16
+26.67%
0.92
EBIT
4.29
+108.06%
-53.29
-234.84%
39.52
-60.23%
99.37
Total Unusual Items
—
—
0.00
0.00
Total Unusual Items Excluding Goodwill
—
—
0.00
0.00
Special Income Charges
—
—
0.00
0.00
Other Special Charges
—
—
—
—
Restructuring And Mergern Acquisition
—
—
—
0.00
Net Income
-4.24
+96.86%
-135.01
-711.74%
22.07
-66.87%
66.62
Pretax Income
-5.37
+91.69%
-64.61
-323.87%
28.86
-69.15%
93.54
Net Non Operating Interest Income Expense
-0.34
-144.63%
0.77
+337.12%
-0.33
+91.50%
-3.84
Interest Expense Non Operating
9.66
-14.62%
11.32
+6.15%
10.66
+82.80%
5.83
Net Interest Income
-0.34
-144.63%
0.77
+337.12%
-0.33
+91.50%
-3.84
Interest Expense
9.66
-14.62%
11.32
+6.15%
10.66
+82.80%
5.83
Interest Income Non Operating
9.32
-22.94%
12.09
+16.98%
10.34
+418.05%
2.00
Interest Income
9.32
-22.94%
12.09
+16.98%
10.34
+418.05%
2.00
Other Income Expense
-0.02
—
0.11
+145.80%
-0.24
Other Non Operating Income Expenses
-0.02
—
0.11
+145.80%
-0.24
Tax Provision
-1.13
-101.61%
70.41
+937.20%
6.79
-74.78%
26.92
Tax Rate For Calcs
0.00
+0.48%
0.00
-10.64%
0.00
-18.40%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
-4.24
+96.86%
-135.01
-711.74%
22.07
-66.87%
66.62
Net Income From Continuing Operation Net Minority Interest
-4.24
+96.86%
-135.01
-711.74%
22.07
-66.87%
66.62
Net Income From Continuing And Discontinued Operation
-4.24
+96.86%
-135.01
-711.74%
22.07
-66.87%
66.62
Net Income Continuous Operations
-4.24
+96.86%
-135.01
-711.74%
22.07
-66.87%
66.62
Normalized Income
-4.24
+96.86%
-135.01
-711.74%
22.07
-66.87%
66.62
Net Income Common Stockholders
-4.24
+96.86%
-135.01
-711.74%
22.07
-66.87%
66.62
Otherunder Preferred Stock Dividend
—
—
—
0.00
Diluted EPS
—
-1.13
-727.78%
0.18
-66.04%
0.53
Basic EPS
—
-1.13
-727.78%
0.18
-66.04%
0.53
Basic Average Shares
—
119.18
-1.36%
120.83
-4.19%
126.11
Diluted Average Shares
—
119.18
-1.89%
121.47
-3.79%
126.26
Diluted NI Availto Com Stockholders
-4.24
+96.86%
-135.01
-711.74%
22.07
-66.87%
66.62
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
236.68
-20.14%
296.37
-20.77%
374.04
-1.47%
379.63
Current Assets
222.69
-19.24%
275.73
-4.88%
289.88
+3.25%
280.74
Cash Cash Equivalents And Short Term Investments
176.61
-27.37%
243.16
+1.23%
240.21
+17.49%
204.45
Cash And Cash Equivalents
176.61
-27.37%
243.16
+1.23%
240.21
+17.49%
204.45
Receivables
29.05
+56.32%
18.59
-53.94%
40.35
-42.24%
69.86
Accounts Receivable
3.65
-27.73%
5.05
+9.51%
4.62
-19.31%
5.72
Other Receivables
22.19
+122.46%
9.97
-65.26%
28.70
-47.26%
54.43
Taxes Receivable
3.21
-9.67%
3.56
-49.42%
7.04
-27.58%
9.71
Prepaid Assets
—
—
—
—
Restricted Cash
11.60
+7.84%
10.76
+66.49%
6.46
+58.84%
4.07
Other Current Assets
5.42
+68.46%
3.21
+12.73%
2.85
+20.80%
2.36
Total Non Current Assets
13.99
-32.22%
20.64
-75.47%
84.16
-14.89%
98.89
Net PPE
3.52
-23.57%
4.61
-4.34%
4.82
-32.95%
7.18
Gross PPE
3.52
-23.57%
4.61
-4.34%
4.82
-43.23%
8.48
Accumulated Depreciation
—
—
-1.92
-47.66%
-1.30
Other Properties
3.52
-23.57%
4.61
-4.34%
4.82
-43.23%
8.48
Goodwill And Other Intangible Assets
4.05
-24.88%
5.39
+74.47%
3.09
—
Other Intangible Assets
4.05
-24.88%
5.39
+74.47%
3.09
—
Non Current Accounts Receivable
2.89
-43.21%
5.09
+735.08%
0.61
-97.10%
21.00
Non Current Deferred Assets
—
0.00
-100.00%
70.11
+7.65%
65.13
Non Current Deferred Taxes Assets
—
0.00
-100.00%
70.11
+7.65%
65.13
Other Non Current Assets
3.53
-36.43%
5.56
+0.38%
5.54
-0.72%
5.58
Total Liabilities Net Minority Interest
161.72
-25.91%
218.28
+29.58%
168.46
+0.99%
166.81
Current Liabilities
49.26
+4.25%
47.25
+129.49%
20.59
+36.29%
15.11
Payables And Accrued Expenses
9.14
+49.45%
6.12
-28.06%
8.51
+27.41%
6.68
Payables
0.45
-53.20%
0.95
+154.13%
0.38
+30.21%
0.29
Accounts Payable
0.45
-53.20%
0.95
+154.13%
0.38
+30.21%
0.29
Current Accrued Expenses
8.70
+68.39%
5.17
-36.47%
8.13
+27.29%
6.39
Total Tax Payable
—
—
—
—
Income Tax Payable
—
—
—
—
Current Debt And Capital Lease Obligation
27.07
-2.01%
27.62
+419.27%
5.32
+23.41%
4.31
Current Debt
26.17
-2.51%
26.85
+472.65%
4.69
+25.01%
3.75
Other Current Borrowings
26.17
-2.51%
26.85
+472.65%
4.69
+25.01%
3.75
Current Capital Lease Obligation
0.90
+15.15%
0.78
+23.26%
0.63
+12.66%
0.56
Other Current Liabilities
13.04
-3.44%
13.51
+99.70%
6.76
+64.17%
4.12
Total Non Current Liabilities Net Minority Interest
112.46
-34.24%
171.03
+15.66%
147.87
-2.53%
151.70
Long Term Debt And Capital Lease Obligation
107.22
-34.50%
163.70
+14.63%
142.81
-3.36%
147.76
Long Term Debt
104.84
-34.65%
160.43
+15.12%
139.36
-3.01%
143.68
Long Term Capital Lease Obligation
2.38
-27.22%
3.27
-5.13%
3.45
-15.48%
4.08
Tradeand Other Payables Non Current
—
—
—
—
Other Non Current Liabilities
5.24
-28.52%
7.33
+44.84%
5.06
+28.59%
3.94
Stockholders Equity
74.96
-4.00%
78.09
-62.02%
205.58
-3.40%
212.82
Common Stock Equity
74.96
-4.00%
78.09
-62.02%
205.58
-3.40%
212.82
Capital Stock
1.28
+0.00%
1.28
+0.00%
1.28
+0.00%
1.28
Common Stock
1.28
+0.00%
1.28
+0.00%
1.28
+0.00%
1.28
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
128.20
+0.00%
128.20
+0.00%
128.20
+0.00%
128.20
Ordinary Shares Number
117.66
-1.42%
119.35
+0.45%
118.82
-3.90%
123.65
Treasury Shares Number
10.54
+19.09%
8.85
-5.65%
9.38
+106.02%
4.55
Additional Paid In Capital
497.66
-0.99%
502.66
+0.13%
502.03
+0.48%
499.62
Retained Earnings
-333.00
-1.29%
-328.76
-69.68%
-193.75
+10.23%
-215.82
Treasury Stock
90.99
-6.29%
97.10
-6.62%
103.98
+43.90%
72.26
Total Equity Gross Minority Interest
74.96
-4.00%
78.09
-62.02%
205.58
-3.40%
212.82
Total Capitalization
179.80
-24.62%
238.51
-30.85%
344.94
-3.25%
356.51
Working Capital
173.43
-24.09%
228.47
-15.16%
269.29
+1.37%
265.64
Invested Capital
205.97
-22.38%
265.36
-24.10%
349.62
-2.95%
360.26
Total Debt
134.29
-29.81%
191.32
+29.16%
148.13
-2.60%
152.08
Net Debt
—
—
—
—
Capital Lease Obligations
3.28
-19.08%
4.05
-0.73%
4.08
-12.08%
4.64
Net Tangible Assets
70.91
-2.46%
72.70
-64.10%
202.49
-4.85%
212.82
Tangible Book Value
70.91
-2.46%
72.70
-64.10%
202.49
-4.85%
212.82
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-3.19
-118.15%
17.60
-78.71%
82.66
-23.06%
107.43
Cash Flow From Continuing Operating Activities
-3.19
-118.15%
17.60
-78.71%
82.66
-23.06%
107.43
Net Income From Continuing Operations
-4.24
+96.86%
-135.01
-711.74%
22.07
-66.87%
66.62
Depreciation Amortization Depletion
2.41
+43.97%
1.67
+44.43%
1.16
+26.67%
0.92
Depreciation
—
0.30
—
—
Amortization Cash Flow
—
1.40
—
—
Depreciation And Amortization
2.41
+43.97%
1.67
+44.43%
1.16
+26.67%
0.92
Amortization Of Intangibles
—
1.40
—
—
Other Non Cash Items
1.05
-16.60%
1.26
+18.44%
1.06
+5.98%
1.00
Stock Based Compensation
7.04
-18.83%
8.68
-8.59%
9.49
+74.20%
5.45
Deferred Tax
0.00
-100.00%
70.11
+1506.48%
-4.99
-1429.33%
0.38
Deferred Income Tax
0.00
-100.00%
70.11
+1506.48%
-4.99
-1429.33%
0.38
Operating Gains Losses
0.20
—
—
—
Change In Working Capital
-9.66
-113.63%
70.89
+31.61%
53.86
+62.87%
33.07
Change In Receivables
-7.54
-141.85%
18.01
-63.93%
49.92
+66.61%
29.96
Changes In Account Receivables
1.40
+419.36%
-0.44
-139.73%
1.10
+37.44%
0.80
Change In Prepaid Assets
—
—
—
—
Change In Payables And Accrued Expense
3.01
+259.05%
-1.90
-249.33%
1.27
-9.94%
1.41
Change In Accrued Expense
3.52
+242.38%
-2.47
-309.04%
1.18
-50.81%
2.40
Change In Payable
-0.51
-187.72%
0.58
+572.09%
0.09
+108.63%
-1.00
Change In Account Payable
-0.51
-187.72%
0.58
+572.09%
0.09
+108.63%
-1.00
Change In Other Working Capital
—
—
—
—
Change In Other Current Assets
-2.99
-106.35%
47.13
+9395.27%
-0.51
+81.12%
-2.69
Change In Other Current Liabilities
-2.15
-128.13%
7.65
+140.70%
3.18
-27.52%
4.38
Investing Cash Flow
-1.03
+73.56%
-3.90
-78.88%
-2.18
-249.04%
-0.62
Cash Flow From Continuing Investing Activities
-1.03
+73.56%
-3.90
-78.88%
-2.18
-249.04%
-0.62
Net PPE Purchase And Sale
-0.06
+66.06%
-0.17
-34.15%
-0.12
+48.32%
-0.24
Purchase Of PPE
-0.06
+66.06%
-0.17
-34.15%
-0.12
+48.32%
-0.24
Capital Expenditure
-1.03
+73.56%
-3.90
-78.88%
-2.18
-249.04%
-0.62
Capital Expenditure Reported
-0.97
+73.89%
-3.73
-81.56%
-2.06
-432.38%
-0.39
Financing Cash Flow
-61.48
-853.65%
-6.45
+84.77%
-42.33
-137.85%
-17.80
Cash Flow From Continuing Financing Activities
-61.48
-853.65%
-6.45
+84.77%
-42.33
-137.85%
-17.80
Net Issuance Payments Of Debt
-55.50
-1083.87%
-4.69
-25.01%
-3.75
-366.71%
1.41
Issuance Of Debt
—
0.00
0.00
-100.00%
150.00
Repayment Of Debt
-55.50
-1083.87%
-4.69
-25.01%
-3.75
+97.48%
-148.59
Long Term Debt Issuance
—
0.00
0.00
-100.00%
150.00
Long Term Debt Payments
-55.50
-1083.87%
-4.69
-25.01%
-3.75
+97.48%
-148.59
Net Long Term Debt Issuance
-55.50
-1083.87%
-4.69
-25.01%
-3.75
-366.71%
1.41
Short Term Debt Issuance
—
—
0.00
0.00
Short Term Debt Payments
—
—
—
-25.00
Net Short Term Debt Issuance
—
—
0.00
+100.00%
-25.00
Net Common Stock Issuance
-4.89
0.00
+100.00%
-37.32
-107.14%
-18.02
Common Stock Payments
-4.89
0.00
+100.00%
-37.32
-107.14%
-18.02
Cash Dividends Paid
—
—
—
0.00
Repurchase Of Capital Stock
-4.89
0.00
+100.00%
-37.32
-107.14%
-18.02
Proceeds From Stock Option Exercised
—
—
—
0.00
Net Other Financing Charges
-1.10
+37.69%
-1.76
-39.83%
-1.26
-6.16%
-1.19
Changes In Cash
-65.71
-1005.67%
7.25
-80.98%
38.15
-57.14%
89.01
Beginning Cash Position
253.92
+2.94%
246.67
+18.30%
208.52
+74.48%
119.51
End Cash Position
188.22
-25.88%
253.92
+2.94%
246.67
+18.30%
208.52
Free Cash Flow
-4.22
-130.83%
13.70
-82.97%
80.48
-24.65%
106.81
Interest Paid Supplemental Data
9.28
-26.27%
12.59
+22.08%
10.31
+192.98%
3.52
Income Tax Paid Supplemental Data
—
—
9.07
-74.87%
36.11
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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