The earnings call reflects a mixed sentiment with several positive strategic developments such as the early extension of the AmTrust agreement and improved unit economics. However, challenges like the decrease in certified loans and increased operating expenses also highlight areas for improvement.

Company Guidance

In the second quarter of 2025, Open Lending reported significant progress on its strategic priorities, focusing on improving profitability and reducing volatility. They facilitated 26,522 certified loans, down from 28,963 in the previous year, attributed to seasonality and tightened lending standards. The company announced an early extension of its agreement with AmTrust, their largest insurance partner, through 2033, reinforcing their strong partnership. Total revenue was $25.3 million, with program fee revenues at $14.9 million, profit share revenue at $8 million, and claims administration fees at $2.4 million. Operating expenses increased to $18.6 million, partly due to onetime severance charges, with plans to implement cost-saving measures by year-end. Net income stood at $1 million, down from $2.9 million the previous year, with an adjusted EBITDA of $4.1 million. Guidance for the third quarter anticipates certified loans between 22,500 and 24,500, emphasizing a continued focus on quality over quantity in their lending portfolio.

Early Extension of Agreement with AmTrust

Open Lending announced an early extension of its producer agreement with AmTrust through 2033, reflecting strong partnership confidence and securing credit capability and capacity.

Reduction in Operating Expenses and Improved Unit Economics

The company has made substantial progress in optimizing efficiencies, reducing expenses, and improving the quality of the loan portfolio with a focus on profitable, less volatile unit economics.

Positive Developments in Credit Union Partnerships

Credit union financial positions are strengthening, with total assets in federally insured credit unions rising by $79 billion or 3.5% year-over-year. Total loan growth and share growth also improved.

New CFO Appointment

Massimo Monaco has been appointed as the new CFO, bringing over two decades of experience in lending and financial services.

Open Lending (LPRO) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

LPRO Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 11, 2025	2025 (Q3)	<0.01 / -	0.01	―	―	―
Aug 06, 2025	2025 (Q2)	>-0.01 / 0.01	0.02	-50.00% (-0.01)
May 07, 2025	2025 (Q1)	- / 0.01	0.04	-75.00% (-0.03)
Mar 31, 2025	2024 (Q4)	<0.01 / 0.01	0.04	-75.00% (-0.03)
Nov 07, 2024	2024 (Q3)	0.04 / 0.01	0.02	-50.00% (-0.01)
Aug 08, 2024	2024 (Q2)	0.05 / 0.02	0.09	-77.78% (-0.07)
May 07, 2024	2024 (Q1)	0.05 / 0.04	0.1	-60.00% (-0.06)
Feb 27, 2024	2023 (Q4)	0.04 / -0.04	-0.03	-33.33% (-0.01)
Nov 07, 2023	2023 (Q3)	0.07 / 0.02	0.19	-89.47% (-0.17)
Aug 08, 2023	2023 (Q2)	0.09 / 0.09	0.18	-50.00% (-0.09)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

LPRO Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 06, 2025	$2.14	$2.25	+5.14%
May 07, 2025	$1.55	$1.84	+18.71%
Mar 31, 2025	$2.76	$1.17	-57.61%
Nov 07, 2024	$6.75	$5.90	-12.59%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Open Lending Corporation (LPRO) report earnings?

Open Lending Corporation (LPRO) is schdueled to report earning on Nov 11, 2025, After Close (Confirmed).

What is Open Lending Corporation (LPRO) earnings time?

Open Lending Corporation (LPRO) earnings time is at Nov 11, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is LPRO EPS forecast?

LPRO EPS forecast for the fiscal quarter 2025 (Q3) is <0.01.

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