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
$257.71M
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 Cap0.66
Enterprise Value/Revenue1.90
Enterprise Value/Gross Profit2.46
Enterprise Value/Ebitda38.45
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
High Gross MarginsSustained ~77% gross margins reflect a software/analytics and fee-based loss protection model with low direct costs per loan. High gross margins provide durable profit leverage as originations scale and offer cushion versus mix or pricing pressure over months.
Improved LeverageMaterial reduction in leverage to a debt-to-equity near 0.13 strengthens financial flexibility, lowers fixed financing costs, and reduces solvency risk. This durable balance-sheet improvement helps the company absorb originations volatility and fund strategic investments.
Embedded Lender Network & Scalable ModelThe Lenders Protection platform ties recurring fee revenue to enrolled loan volumes and leverages long-term partnerships with banks and credit unions. This embedded, scalable distribution creates durable revenue optionality and network effects if originations and participation expand.
Bears Say
Return To TTM LossesA return to multi-quarter net losses and negative operating margin undermines profitability resilience. Persistent losses reduce retained capital for reinvestment, constrain strategic choices, and may require management action to restore durable earnings power over the coming quarters.
Weak Cash GenerationNear-zero operating cash flow and negative FCF signal limited internal funding to support operations, product development, or absorptive losses. This durable cash weakness increases reliance on external financing and raises execution risk during cycles or strategic initiatives.
Revenue Decline & Negative ROEFalling revenue combined with a negative return on equity shows weakening top-line traction and poor capital efficiency. If trend persists, it hampers the firm’s ability to convert its sizable equity base into sustainable returns and limits long-term shareholder value creation.
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 $257.71M.
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 55 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
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.
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
0.84% Insiders
13.24% Mutual Funds
36.08% Other Institutional Investors
41.20% Public Companies and
Individual Investors