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LPRO stock logo

LPRO

Open Lending Corporation

$3.14
0
 (0%)
Exchange:  NASDAQ
Market Cap:  371.533M
Shares Outstanding:  31.25M
Delayed data
Calculate LPRO Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Credit Services
   
CEO:  Jessica Elizabeth Buss
Full Time Employees:  164
Address: 
1501 South Mopac Expressway
Austin
TX
78746
US
Website:  https://www.openlending.com
Based in Austin, Texas, and established in 2000, Open Lending Corporation delivers specialized solutions for empowering lending operations and conducting risk analysis. Their services are utilized by a diverse range of financial institutions throughout the United States, including credit unions, regional banks, independent auto finance companies, and the captive finance arms of original equipment manufacturers. A key offering is their Software as a Service (SaaS) platform, known as the Lenders Protection Program (LPP). This innovative platform assists external lenders by streamlining the process of making loan decisions and automating underwriting. It also facilitates the provision of credit default insurance through affiliated insurance providers. The LPP suite incorporates functionalities such as in-depth loan data analysis, dynamic risk-adjusted pricing for loans, sophisticated risk forecasting models, and intelligent automated decision-making tools, all tailored for the automotive lending industry.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/03/12 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue117,46024,02493,217
Gross Profit95,17816970,402
EBITDA41,298-51,6148,404
Operating Income29,075-65,3785,994
Net Income22,070-135,010-4,236

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets374,037296,368236,679
Total Liabilities168,457218,281161,719
Total Stockholders Equity205,58078,08774,960
Total Debt148,127143,76988,045
Cash and Cash Equivalents240,206243,164176,614

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow82,65817,598-3,194
Capital Expenditure-2,178-165-56
Free Cash Flow80,48017,433-3,250
Net Income22,070-135,010-4,236
Net Change in Cash38,1507,255-65,706

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)120,281.539Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)130,516.140Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)123,685Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)22,040.690Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)23,916.104Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)22,664.349Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)33,164.957Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)36,864.184Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)34,234Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)105,475.696Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)114,450.487Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)108,460.214Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)0.290Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)0.310Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)0.280Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)1Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)1Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
117.46M  ?P/S
 (TTM)
: 
4.16
?Net Income
 (TTM)
: 
22.07M  ?P/E
 (TTM)
: 
-69.93
?Enterprise Value
 (TTM)
: 
271.659M  ?EV/FCF
 (TTM)
: 
-380.47
?Dividend Yield
 (TTM)
: 
0%  ?Payout Ratio
 (TTM)
: 
0%
?ROE
 (TTM)
: 
-7.04%  ?ROIC
 (TTM)
: 
-2.76%
?Net Debt
 (TTM)
: 
-115982000  ?Debt/Equity
 (TTM)
: 
1.13
?P/B
 (TTM)
: 
4.91  ?Current Ratio
 (TTM)
: 
4.44

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
26.17Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates LPRO intrinsic value between $2.06 – $2.15 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about LPRO valuation

Is Open Lending Corporation (LPRO) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Open Lending Corporation (LPRO) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is LPRO a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether LPRO trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is LPRO’s P/E ratio?

You can see LPRO’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for LPRO?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is LPRO a good long-term investment?

Whether LPRO fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

LPRO

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0
MARKETSnap

Trading Metrics:

Open: 3.14   Previous Close: 3.14
Day Low: 3.14   Day High: 3.14
Year Low: 1.18   Year High: 3.15
Price Avg 50: 2.76   Price Avg 200: 1.93
Volume: 0   Average Volume: 2.774M

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See in Nexus

Relevant news

ANV Completes Acquisition of Open Lending
30-07-2026 09:50
ANV Completes Acquisition of Open Lending
Open Lending Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Open Lending Corporation - LPRO
18-06-2026 15:59
Open Lending Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Open Lending Corporation - LPRO
LPRO Alert: Monsey Firm of Wohl & Fruchter Investigating Fairness of the Proposed Sale of Open Lending Corporation to ANV Group Holdings
17-06-2026 09:40
LPRO Alert: Monsey Firm of Wohl & Fruchter Investigating Fairness of the Proposed Sale of Open Lending Corporation to ANV Group Holdings
$HAREHOLDER ALERT: The M&A Class Action Firm Announces An Investigation of Open Lending Corporation (NASDAQ: LPRO)
16-06-2026 14:14
$HAREHOLDER ALERT: The M&A Class Action Firm Announces An Investigation of Open Lending Corporation (NASDAQ: LPRO)
Shareholder Alert: Ademi LLP investigates whether Open Lending Corporation is obtaining a Fair Price for Public Shareholders
16-06-2026 13:33
Shareholder Alert: Ademi LLP investigates whether Open Lending Corporation is obtaining a Fair Price for Public Shareholders
LPRO Stock Alert: Halper Sadeh LLC is Investigating Whether Open Lending Corporation is Obtaining a Fair Price for its Shareholders
16-06-2026 13:00
LPRO Stock Alert: Halper Sadeh LLC is Investigating Whether Open Lending Corporation is Obtaining a Fair Price for its Shareholders

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