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LPRO Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
1.910
Open
1.690
VWAP
1.77
Vol
2.43M
Mkt Cap
224.61M
Low
1.485
Amount
4.29M
EV/EBITDA(TTM)
--
Total Shares
118.22M
EV
134.25M
EV/OCF(TTM)
--
P/S(TTM)
2.51
Open Lending Corporation provides loan analytics, risk-based pricing, risk modeling and default insurance to auto lenders throughout the United States, which enables each lending institution to book near-prime and non-prime automotive loans, coupled with real-time underwriting of loan default insurance, out of its existing business flow. The Company also operates as a third-party administrator that adjudicates insurance claims and premium adjustments on automotive loans. Its flagship product, Lenders Protection platform (LPP), is a cloud-based automotive lending enablement platform. The platform uses risk-based pricing models that enable automotive lenders to assess the credit risk of a potential borrower using data-driven analysis. The Company's proprietary risk models project loan performance, including expected losses and prepayments, in arriving at the optimal contract interest rate.
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Events Timeline

(ET)
2026-03-12
16:30:00
Open Lending Q4 Revenue at $19.35M, Below Consensus
select
2026-01-05 (ET)
2026-01-05
08:20:00
Open Lending Appoints Anthony Capizzano as Chief Growth Officer
select
2025-11-06 (ET)
2025-11-06
16:43:58
Open Lending Announces Q3 Earnings Per Share of 6 Cents, Exceeding Consensus Estimate of 1 Cent
select
2025-11-06
09:04:51
Open Lending unveils new ApexOne Auto platform
select
2025-07-24 (ET)
2025-07-24
17:21:27
Open Lending appoints Massimo Monaco as CFO
select

News

seekingalpha
9.5
05-08seekingalpha
Open Lending (LPRO) Q1 2026 Earnings Call Insights
  • Quality Improvement: Open Lending facilitated 21,064 certified loans in Q1 2026, exceeding guidance, which demonstrates the company's adaptability under stricter approvals, with expectations to reach 100,000 to 110,000 loans for the year, reflecting a focus on high-quality lending.
  • Revenue Structure: Total revenue for Q1 was $20.5 million, with program fee revenues at $11.4 million and profit share revenues at $7.0 million, indicating the company's ability to maintain revenue growth while controlling costs, enhancing confidence in future profitability.
  • Economic Metrics Enhancement: Per-loan unit economics improved significantly, with profit share revenue reaching $7.7 million, showcasing the company's competitiveness in the market despite tightened credit standards, reflecting strong operational execution.
  • Future Outlook: The CFO guided that Q2 certified loans are expected to be between 22,000 and 25,000, while maintaining full-year EBITDA targets of $25 million to $29 million, indicating confidence in future growth despite macroeconomic challenges.
seekingalpha
9.5
03-13seekingalpha
Open Lending Corporation Q4 2025 Earnings Call Insights
  • Management Transformation Strategy: CEO Jessica Buss emphasized that 2025 was a pivotal year for the company's transformation, focusing on stabilizing the business, enhancing profitability, and improving customer retention to lay the groundwork for sustainable future growth.
  • New Platform Launch: The introduction of the ApexOne Auto platform signifies Open Lending's transition from a single-product company to a comprehensive decisioning and dynamic pricing engine, which is expected to drive future loan growth and enhance market competitiveness.
  • Stable Financial Performance: In the fourth quarter, the company facilitated 19,308 certified loans, generating revenue of $19.3 million and adjusted EBITDA of $2.8 million, demonstrating good progress in cost control and debt reduction.
  • 2026 Outlook: Management anticipates certified loans will reach between 100,000 and 110,000 in 2026, with adjusted EBITDA projected at $25 million to $29 million, marking the first annual guidance provided and reflecting confidence in the growth trajectory.
Yahoo Finance
9.5
03-13Yahoo Finance
Open Lending Reports Improved Profit Stability and Growth Prospects
  • Profit Stability Improvement: Open Lending Corp (NASDAQ:LPRO) reported enhanced stability in profit share unit economics and strengthened underwriting standards, indicating a gradual recovery of confidence in market competition.
  • New Platform Launch: The company launched the Apex One Auto platform, expanding from a single product to a comprehensive decisioning and dynamic pricing engine, which is expected to drive future revenue growth and increase market share.
  • Application Flow Growth: Open Lending observed a 20% year-over-year increase in application flow, demonstrating strong demand for its services, which lays a foundation for future growth despite challenges with certified loan shortages.
  • Effective Cost Management: The company successfully reduced operating expenses by 9.3% year-over-year, and by paying down $50 million of its senior secured term loan, it enhanced financial flexibility while improving its balance sheet.
NASDAQ.COM
2.0
03-12NASDAQ.COM
Open Lending (LPRO) Q4 2025 Earnings Transcript
Newsfilter
5.0
2025-11-25Newsfilter
Open Lending Appoints Abhijit Chaudhary to Board, Enhancing Growth Strategy
  • New Board Member: Open Lending appointed Abhijit Chaudhary as a Class I director effective November 21, 2025, replacing Gene Yoon, aiming to enhance corporate governance by introducing extensive product leadership experience.
  • Rich Industry Experience: Chaudhary brings over 20 years of product strategy experience in financial services, having served as Executive Vice President at Mastercard, where he drove growth in sustainable products, which is expected to provide Open Lending with fresh perspectives and innovative thinking.
  • Strategic Committee Role: He will serve on the Company's Audit and Nominating and Corporate Governance Committees, assisting in formulating more effective strategies in risk analytics and credit expansion, thereby improving overall business performance.
  • Long-term Value Creation: Chaudhary expressed commitment to advancing the Company's vision, collaborating with the board and management team to drive growth strategies that create long-term value for shareholders.
Benzinga
4.0
2025-11-11Benzinga
DA Davidson Reaffirms Buy Rating on Open Lending with $4 Price Target Intact
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  • Community Engagement: Over 10,000 serious traders are part of the Benzinga Pro community, indicating a robust network for sharing market intelligence.

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Wall Street analysts forecast LPRO stock price to rise
4 Analyst Rating
Wall Street analysts forecast LPRO stock price to rise
2 Buy
2 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
2.00
Averages
3.17
High
4.00
Current: 0.000
sliders
Low
2.00
Averages
3.17
High
4.00
DA Davidson
Buy
downgrade
$4 -> $3
AI Analysis
2026-03-16
Reason
DA Davidson
Price Target
$4 -> $3
AI Analysis
2026-03-16
downgrade
Buy
Reason
DA Davidson lowered the firm's price target on Open Lending to $3 from $4 and keeps a Buy rating on the shares. The company reported improved Q4 results, though they were below the firm's forecasts for revenue and adjusted EBITDA, the analyst tells investors in a research note.
Canaccord
Joseph Vafi
Hold
downgrade
$7 -> $2
2025-11-13
Reason
Canaccord
Joseph Vafi
Price Target
$7 -> $2
2025-11-13
downgrade
Hold
Reason
Canaccord analyst Joseph Vafi lowered the firm's price target on Open Lending to $2 from $7 and keeps a Hold rating on the shares. The firm said Q3 results underscored the company's steps to improve the quality of its book and deliver more predictable results. In Canaccord's view, the new lending standards and rate adjustments are proving resilient but they lowered the target to better align with their Hold rating.
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Valuation Metrics

The current forward P/E ratio for Open Lending Corp (LPRO.O) is 22.27, compared to its 5-year average forward P/E of 28.36. For a more detailed relative valuation and DCF analysis to assess Open Lending Corp's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
28.36
Current PE
22.27
Overvalued PE
38.43
Undervalued PE
18.29

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average EV/EBITDA
15.09
Current EV/EBITDA
14.88
Overvalued EV/EBITDA
24.44
Undervalued EV/EBITDA
5.73

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
7.44
Current PS
1.66
Overvalued PS
12.65
Undervalued PS
2.23

Financials

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Frequently Asked Questions

What is Open Lending Corp (LPRO) stock price today?

The current price of LPRO is 1.9 USD — it has increased 17.28

What is Open Lending Corp (LPRO)'s business?

Open Lending Corporation provides loan analytics, risk-based pricing, risk modeling and default insurance to auto lenders throughout the United States, which enables each lending institution to book near-prime and non-prime automotive loans, coupled with real-time underwriting of loan default insurance, out of its existing business flow. The Company also operates as a third-party administrator that adjudicates insurance claims and premium adjustments on automotive loans. Its flagship product, Lenders Protection platform (LPP), is a cloud-based automotive lending enablement platform. The platform uses risk-based pricing models that enable automotive lenders to assess the credit risk of a potential borrower using data-driven analysis. The Company's proprietary risk models project loan performance, including expected losses and prepayments, in arriving at the optimal contract interest rate.

What is the price predicton of LPRO Stock?

Wall Street analysts forecast LPRO stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LPRO is3.17 USD with a low forecast of 2.00 USD and a high forecast of 4.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Open Lending Corp (LPRO)'s revenue for the last quarter?

Open Lending Corp revenue for the last quarter amounts to 20.49M USD, decreased -16.00

What is Open Lending Corp (LPRO)'s earnings per share (EPS) for the last quarter?

Open Lending Corp. EPS for the last quarter amounts to -0.00 USD, decreased -100.00

How many employees does Open Lending Corp (LPRO). have?

Open Lending Corp (LPRO) has 164 emplpoyees as of May 11 2026.

What is Open Lending Corp (LPRO) market cap?

Today LPRO has the market capitalization of 224.61M USD.