Open Lending Corporation (LPRO)
NASDAQ:LPRO
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LPRO Stock Chart & Stats
$1.71
-$0.09(-1.62%)
At close: 4:00 PM EST
$1.71
-$0.09(-1.62%)
Day’s Range― - ―
52-Week Range$1.18 - $2.70
Previous CloseN/A
Volume43.22K
Average Volume (3M)569.02K
Market Cap
$293.18M
Enterprise Value$169.66M
Total Cash (Recent Filing)$184.95M
Total Debt (Recent Filing)$85.08M
Price to Earnings (P/E)―
Beta2.93
Next Earnings
Aug 11, 2026EPS Estimate
0.02Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-0.04
Shares Outstanding118,217,080
10 Day Avg. Volume624,170
30 Day Avg. Volume569,024
Financial Highlights & Ratios
PEG Ratio0.45
Price to Book (P/B)2.45
Price to Sales (P/S)1.97
P/FCF Ratio-56.56
Enterprise Value/Market Cap0.58
Enterprise Value/Revenue1.90
Enterprise Value/Gross Profit2.46
Enterprise Value/Ebitda301.35
Forecast
1Y Price Target
$2.50Price Target Upside46.20% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)0.11
Revenue Forecast (FY)$101.90M
Bulls Say, Bears Say
Bulls Say
Lenders Protection Business ModelOpen Lending’s core Lenders Protection program links recurring fee revenue to enrolled near‑prime loans and aligns incentives with partner banks/credit unions. This networked, risk‑transfer model creates durable fee streams and sticky distribution that support revenue predictability over months.
Stronger Balance Sheet And LiquidityMaterial cash balances and a $50M debt paydown materially improved leverage and interest expense flexibility. With debt-to-equity reduced (~0.13) and sizable liquidity, the company can absorb near-term originations volatility, fund product ramps, and repurchase shares without immediate external funding needs.
Product And Channel ExpansionNew offerings (Apex One Auto subscription) and OEM channel ramp broaden revenue mix beyond profit-share economics. Growing OEM deployments and a doubled pipeline indicate scalable go-to-market expansion that, if executed, provides durable, diversified growth levers and lowers single-channel concentration risk.
Bears Say
Weak ProfitabilityTrailing results show a return to losses and eroded operating profitability, which reduces internal funding for reinvestment and weakens return metrics (TTM ROE ~-7%). Persistent negative earnings constrain ability to scale without relying on cash reserves or external capital over the next several quarters.
Execution Risk On New InitiativesKey 2026 growth relies on early-stage products and channel rollouts that require successful scale and customer adoption. Failure or delay in these initiatives would materially impact projected certified loans and adjusted EBITDA, making near-term recovery outcomes highly execution‑sensitive.
Profit-share Cash Flow Timing UncertaintyProfit-share recognition and receipts exhibit timing variability and conservative initial booking, creating volatile operating cash flow and forecasting difficulty. This structural timing mismatch can constrain free cash flow visibility and complicate reinvestment and capital allocation over the coming quarters.
Open Lending News
LPRO FAQ
What was Open Lending Corporation’s price range in the past 12 months?
Open Lending Corporation lowest stock price was $1.18 and its highest was $2.70 in the past 12 months.
What is Open Lending Corporation’s market cap?
Open Lending Corporation’s market cap is $293.18M.
When is Open Lending Corporation’s upcoming earnings report date?
Open Lending Corporation’s upcoming earnings report date is Aug 11, 2026 which is in 69 days.
How were Open Lending Corporation’s earnings last quarter?
Open Lending Corporation released its earnings results on May 07, 2026. The company reported -$0.004 earnings per share for the quarter, missing the consensus estimate of $0.009 by -$0.013.
Is Open Lending Corporation overvalued?
According to Wall Street analysts Open Lending Corporation’s price is currently Undervalued.
Does Open Lending Corporation pay dividends?
Open Lending Corporation does not currently pay dividends.
What is Open Lending Corporation’s EPS estimate?
Open Lending Corporation’s EPS estimate is 0.02.
How many shares outstanding does Open Lending Corporation have?
Open Lending Corporation has 118,217,080 shares outstanding.
What happened to Open Lending Corporation’s price movement after its last earnings report?
Open Lending Corporation reported an EPS of -$0.004 in its last earnings report, missing expectations of $0.009. Following the earnings report the stock price went up 17.284%.
Which hedge fund is a major shareholder of Open Lending Corporation?
Currently, no hedge funds are holding shares in LPRO
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Open Lending Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$2.50 (46.20% Upside)
$2.50 (46.20% Upside)
Blogger Sentiment
Bullish
LPRO Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 20.6K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Negative
20 days / 200 days
Momentum
-71.67%
12-Months-Change
Fundamentals
Return on Equity
-7.04%
Trailing 12-Months
Asset Growth
-24.04%
Trailing 12-Months
Company Description
Open Lending Corporation
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.
LPRO Company Deck
LPRO Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call communicated a meaningful stabilization and recovery compared with the prior-year period: revenue and adjusted EBITDA returned to positive territory, credit performance materially improved (vintage delinquencies down ~200 bps), balance sheet strengthened via $50M debt paydown and large cash balances, and new product/channel initiatives (Apex One Auto, OEM 3) provide clear growth levers. Near-term headwinds included a sizable Q4 drop in certified loans (~25.9% YoY) driven by temporary pricing changes and tighter underwriting, a negative operating cash flow headline (offset when excluding a one-time payment), and continued uncertainty on timing of profit-share loss recognition. On balance, management emphasized disciplined underwriting, model enhancements, and a pathway to compound growth through 2026 with guidance for higher certified loans and materially higher adjusted EBITDA, indicating that the positives outweigh the negatives.View all LPRO earnings summariesLPRO Stock 12 Month Forecast
Average Price Target
$2.50
▲(46.20% Upside)
Technical Analysis
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Ownership Overview
0.82% Insiders
13.24% Mutual Funds
36.08% Other Institutional Investors
41.06% Public Companies and
Individual Investors