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LPRO stock logo

LPRO

Open Lending Corporation

$1.2
-0.04
 (-3.23%)
Exchange:  
Market Cap:  141.827M
Shares Outstanding:  31.25M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Credit Services
   
CEO:  Jessica Elizabeth Buss
Full Time Employees:  205
Address: 
1501 South Mopac Expressway
Austin
TX
78746
US
Website:  https://www.openlending.com
Open 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.

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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.

2025/05/11 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202220232024
Revenue179,594117,46024,024
Gross Profit159,62695,178169
EBITDA100,28741,298-51,614
Operating Income97,61529,075-65,378
Net Income66,62022,070-135,010

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(* All numbers are in thousands)

Balance Sheet

Year202220232024
Total Assets379,631374,037296,368
Total Liabilities166,807168,457218,281
Total Stockholders Equity212,824205,58078,087
Total Debt151,515148,127143,769
Cash and Cash Equivalents204,450240,206243,164

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(* All numbers are in thousands)

Cash Flow Statement

Year202220232024
Operating Cash Flow107,43182,65817,598
Capital Expenditure-624-2,178-165
Free Cash Flow106,80780,48017,433
Net Income66,62022,070-135,010
Net Change in Cash89,01038,1507,255

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)112,348.100Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)112,348.300Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)112,348.200Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)20,586.947Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)20,586.983Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)20,586.965Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)25,861.384Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)29,149.059Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)26,800Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)98,518.809Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)98,518.985Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)98,518.897Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)0.230Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)0.250Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)0.220Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
117.46M  ?P/S
 (TTM)
: 
1.53
?Net Income
 (TTM)
: 
22.07M  ?P/E
 (TTM)
: 
-33.88
?Enterprise Value
 (TTM)
: 
54.44M  ?EV/FCF
 (TTM)
: 
-13.26
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
-0.06  ?ROIC
 (TTM)
: 
-0.02
?Net Debt
 (TTM)
: 
-115982000  ?Debt/Equity
 (TTM)
: 
1.17
?P/B
 (TTM)
: 
1.91  ?Current Ratio
 (TTM)
: 
4.52

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Forward P/E Ratios

?

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

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
10.00Full AccessFull AccessFull AccessFull 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.


Calculate LPRO Intrinsic Value

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.

-3.23
MARKETSnap

Trading Metrics:

Open: 1.25   Previous Close: 1.24
Day Low: 1.18   Day High: 1.25
Year Low: 0.7   Year High: 2.7
Price Avg 50: 1.49   Price Avg 200: 1.88
Volume: 478095   Average Volume: 642455

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See in Nexus

Relevant news

Open Lending Corporation (LPRO) Q4 2025 Earnings Call Transcript
13-03-2026 02:42
Open Lending Corporation (LPRO) Q4 2025 Earnings Call Transcript
Open Lending Appoints Abhijit Chaudhary to Board of Directors
25-11-2025 17:18
Open Lending Appoints Abhijit Chaudhary to Board of Directors
Open Lending (LPRO) Upgraded to Buy: What Does It Mean for the Stock?
11-11-2025 13:01
Open Lending (LPRO) Upgraded to Buy: What Does It Mean for the Stock?
Open Lending Corporation (LPRO) Q3 2025 Earnings Call Transcript
07-11-2025 17:06
Open Lending Corporation (LPRO) Q3 2025 Earnings Call Transcript
Open Lending (LPRO) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
06-11-2025 21:31
Open Lending (LPRO) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
Open Lending (LPRO) Beats Q3 Earnings and Revenue Estimates
06-11-2025 21:01
Open Lending (LPRO) Beats Q3 Earnings and Revenue Estimates

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