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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 - $3.14
Previous CloseN/A
Volume43.22K
Average Volume (3M)569.02K
Market Cap
$369.17M
Enterprise Value$267.19M
Total Cash (Recent Filing)$184.95M
Total Debt (Recent Filing)$85.08M
Price to Earnings (P/E)―
Beta2.98
Next Earnings
Aug 11, 2026EPS Estimate
0.02Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-0.04
Shares Outstanding118,322,490
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 Cap0.72
Enterprise Value/Revenue2.99
Enterprise Value/Gross Profit3.87
Enterprise Value/Ebitda60.56
Forecast
1Y Price Target
$2.58Price Target Upside50.58% Upside
Rating ConsensusHold
Number of Analyst Covering5
EPS Forecast (FY)0.11
Revenue Forecast (FY)$101.91M
Bulls Say, Bears Say
Bulls Say
Business Model / PlatformOpen Lending's Lenders Protection platform combines analytics/decisioning with insurance-backed loan protection. This asset-light, fee-per-enrolled-loan model creates scalable revenue tied to originations, aligns incentives with lenders, and reduces capital intensity versus direct-lending, supporting durable growth as originations recover.
Improving Unit EconomicsMaterial per-loan economic improvement reflects tighter underwriting and pricing actions. Higher profit-share per certified loan indicates sustainable margin recovery if management maintains discipline, improving long-term profitability per originations and reducing sensitivity of earnings to volume swings over the coming quarters.
Balance Sheet And Capital FlexibilityLarge unrestricted cash and modest debt provide a financing buffer and optionality for product investment, carrier partnerships, or share repurchases. This liquidity supports underwriting capacity, negotiation leverage with insurers, and resilience through cyclical loan origination slowdowns over the next several quarters.
Bears Say
Return To LossesThe company has returned to net losses with negative operating profitability and declining revenue. Persistent unprofitability undermines internal funding for growth initiatives and increases reliance on liquidity reserves or external capital, raising execution risk for sustaining product investments and insurer relationships over months ahead.
Weakened Cash GenerationMaterial deterioration in operating and free cash flow reduces reinvestment capacity and heightens sensitivity to timing swings (e.g., incentive payments). Limited cash generation constrains ability to fund go-to-market ramps or absorb reserve volatility without drawing on liquidity, increasing financial strain risk over the next 2–6 months.
Volume And Revenue Decline RisksYear-over-year declines in revenue and certified loan volume reflect deliberate pullback in higher-risk approvals and product removals. While intended to improve long-term vintages, lower volumes weaken fee scalability, make fixed costs harder to cover, and leave execution reliant on successful OEM/partner ramps in H2 to restore growth.
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 $3.14 in the past 12 months.
What is Open Lending Corporation’s market cap?
Open Lending Corporation’s market cap is $369.17M.
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 28 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 118,322,490 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
1
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4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$2.58 (50.58% Upside)
$2.58 (50.58% Upside)
Blogger Sentiment
Bullish
LPRO Sentiment 100%
Sector Average 67%
Sector Average 67%
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 Stock 12 Month Forecast
Average Price Target
$2.58
▲(50.58% Upside)
Technical Analysis
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Ownership Overview
0.34% Insiders
13.14% Mutual Funds
4.16% Other Institutional Investors
73.23% Public Companies and
Individual Investors