Open Lending Corp

LPRO

Open Lending Corp

LPRO

Insider Sentiment (TTM):

Last Purchase:2025-11-19Last Sale:2024-03-21Shares Purchased (TTM):40,000Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:74,538,967Shares Outstanding:117,778,000Institutional Ownership Pct.:63.29%

Earnings Market Reaction:

Filing Date:2026-05-08Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Assets
Assets Current
Cash And Cash Equivalents At Carrying Value	173	177	222	231	236	243	250	248	247	240	233	224
Restricted Cash Current	12	12	12	11	11	11	11	4	8	6	6	5
Accounts Receivable Net Current	5	4	4	4	6	5	5	4	6	5	5	6
Contract With Customer Asset Net Current	22	22	24	15	19	10	18	23	21	29	38	34
Income Taxes Receivable	1	3	4	4	4	4	8	8	6	7	9	12
Other Assets Current	6	5	6	3	3	3	3	6	3	3	3	3
Assets Current	218	223	273	267	278	276	295	293	290	290	294	285
Property Plant And Equipment Net	0	0	1	1	1	1	6	5	4	1	4	3
Capitalized Computer Software Net	4	4	5	5	5	5	-	-	-	3	-	-
Operating Lease Right Of Use Asset	3	3	3	3	4	4	4	4	4	4	4	4
Contract With Customer Asset Net Noncurrent	2	3	3	15	11	5	22	11	11	1	11	26
Other Assets Noncurrent	4	4	4	5	6	6	4	4	4	6	6	6
Deferred Income Tax Assets Net	-	-	-	-	-	0	66	66	68	70	65	63
Assets	231	237	288	297	304	296	396	383	381	374	383	387
Liabilities And Stockhold…
Liabilities Current
Accounts Payable Current	1	0	1	0	0	1	0	1	0	0	0	0
Accrued Liabilities Current	6	9	9	8	8	5	10	8	8	8	9	7
Notes Payable Current	8	8	8	8	8	8	8	8	5	5	4	4
Customer Refund Liability Current	21	19	17	18	17	19	-	-	-	0	-	-
Other Liabilities Current	3	2	3	2	1	3	2	1	1	1	1	1
Liabilities Current	49	49	49	47	45	47	31	22	22	21	20	18
Long Term Notes Payable	75	77	127	129	130	132	134	136	139	139	141	142
Operating Lease Liability Noncurrent	2	2	3	3	3	3	3	3	3	3	4	4
Customer Refund Liability Noncurrent	25	28	30	32	39	28	-	-	-	0	-	-
Other Liabilities Noncurrent	4	5	7	7	7	7	6	5	5	5	4	4
Liabilities	156	162	215	218	224	218	175	166	169	168	169	168
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	1	1	1	1	1	1	1	1	1	1	1	1
Additional Paid In Capital	492	498	497	495	498	503	502	500	499	502	504	501
Retained Earnings Accumulated Deficit	-333	-333	-335	-327	-328	-329	-184	-186	-189	-194	-189	-192
Treasury Stock Common Value	-84	-91	-91	-91	-91	-97	-98	-98	-100	-104	-102	-92
Stockholders Equity	75	75	73	79	80	78	220	217	212	206	215	219
Liabilities And Stockholders Equity	231	237	288	297	304	296	396	383	381	374	383	387
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	550	550	550	550	550	550	550	550	550	550	550	550
Common Stock Shares Issued	128	128	128	128	128	128	128	128	128	128	128	128
Shares Outstanding	118	118	118	118	120	119	119	119	119	119	119	121
Treasury Stock Common Shares	10	11	10	10	8	9	9	9	9	9	9	8

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	20.26%	64.21%	-	-	-	-	-	-	-	-	-	-
2025	-2.72%	10.87%	43.48%	-6.22%	-2.22%	-15.11%	18.63%	3.73%	17.39%	-0.83%	46.28%	88.84%
2024	16.16%	0.18%	13.82%	4.73%	16.91%	-2.73%	8.14%	-0.34%	-12.54%	-53.62%	-30.43%	-24.28%
2023	12.09%	11.45%	20.47%	3.89%	-8.04%	-23.37%	11.49%	43.75%	26.01%	-2.59%	-36.43%	-14.46%
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Performance and Valuation Metrics

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Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Liquidity Ratios
Current Ratio	4.44	4.52	5.59	5.67	6.21	5.84	9.42	13.32	13.14	14.08	14.71	15.83
Quick Ratio	4.44	4.52	5.59	5.67	6.21	5.84	9.42	13.32	13.14	14.08	14.71	15.83
Working Capital	168.99M	173.43M	223.81M	219.96M	233.09M	228.47M	263.45M	271.21M	268.36M	269.29M	273.88M	266.54M
Leverage & Debt
Debt to Equity	2.07	2.16	2.95	2.76	2.81	2.80	0.79	0.77	0.80	0.82	0.79	0.77
Interest Coverage TTM	-0.76	-0.52	-8.20	-6.91	-6.46	-5.78	0.43	0.68	1.75	2.73	4.16	7.31
Debt Ratio	0.67	0.68	0.75	0.73	0.74	0.74	0.44	0.43	0.44	0.45	0.44	0.43
Efficiency & Turnover
Asset Turnover TTM	0.33	0.35	0.05	0.05	0.05	0.07	0.25	0.26	0.29	0.31	0.33	0.41
Days Sales Outstanding TTM	21.05	17.05	96.74	99.31	116.71	73.47	18.71	19.97	20.55	16.06	16.82	15.75
Receivables Turnover TTM	17.34	21.41	3.77	3.68	3.13	4.97	19.51	18.28	17.76	22.73	21.70	23.18
Per Share Metrics
Diluted EPS TTM	-0.05	-0.04	-1.27	-1.19	-1.17	-1.13	0.04	0.05	0.12	0.18	0.19	0.36
Free Cash Flow Per Share TTM	-0.00	-0.03	-0.10	0.04	0.02	0.15	0.31	0.39	0.54	0.68	0.73	0.82
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	77.24%	76.88%	-36.75%	-47.55%	-36.88%	0.70%	76.06%	77.45%	79.42%	81.03%	83.14%	85.95%
Operating Profit Margin TTM	-7.17%	-5.37%	-497.52%	-459.88%	-407.08%	-272.14%	5.11%	7.69%	17.57%	24.75%	32.57%	42.46%
Net Profit Margin TTM	-5.95%	-4.54%	-887.15%	-869.57%	-789.27%	-561.98%	4.78%	6.25%	13.31%	18.79%	17.57%	28.73%
Growth Metrics
Net Revenue Growth (1Y)	405.40%	288.02%	-82.33%	-83.48%	-83.91%	-79.55%	-25.87%	-36.09%	-34.57%	-34.60%	-36.72%	-27.58%
Net Income Growth (1Y)	-96.19%	-96.86%	-3,379.97%	-2,398.34%	-1,054.10%	-711.74%	-79.83%	-86.10%	-73.90%	-66.87%	-76.97%	-57.26%
EPS Growth (1Y)	-96.14%	-96.85%	-3,409.95%	-2,404.92%	-1,049.91%	-720.19%	-79.66%	-85.93%	-72.98%	-65.42%	-75.81%	-55.29%
Calculated Values
Free Cash Flow TTM	-131.00K	-3.25M	-12.08M	4.84M	2.54M	17.43M	37.55M	46.58M	64.07M	82.54M	88.22M	99.18M
Net Debt	-102.01M	-103.45M	-99.38M	-105.20M	-108.92M	-114.21M	-119.45M	-109.18M	-111.88M	-102.62M	-93.52M	-84.05M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-11-19Purchase

Owner: Sather, Matthew

Title: Chief Underwriting Officer

Shares: 40,000

Price/Share: $1.52

Value: $60,800.00

Shares Owned: 44,363

Relationship: Officer

Ownership: Direct

2025-05-12Purchase

Owner: Buss, Jessica E

Title: Chief Executive Officer

Shares: 12,975

Price/Share: $1.93

Value: $25,041.75

Shares Owned: 46,446

Relationship: Director,Officer

Ownership: Direct

2024-03-21Sale

Owner: Flynn, John Joseph

Title: -

Shares: 50,000

Price/Share: $7.35

Value: $367,500.00

Shares Owned: 1,993,762

Relationship: Director

Ownership: Direct

2024-02-21Sale

Owner: Flynn, John Joseph

Title: -

Shares: 50,000

Price/Share: $7.96

Value: $398,000.00

Shares Owned: 2,029,666

Relationship: Director

Ownership: Direct

2024-02-07Sale

Owner: Flynn, John Joseph

Title: -

Shares: 50,000

Price/Share: $7.25

Value: $362,500.00

Shares Owned: 2,079,666

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-11-19	Sather, Matthew	Officer	Chief Underwriting Officer	Direct	Purchase	40,000	1.52	$60,800.00	44,363	4
2025-05-12	Buss, Jessica E	Director,Officer	Chief Executive Officer	Direct	Purchase	12,975	1.93	$25,041.75	46,446	4
2024-03-21	Flynn, John Joseph	Director	-	Direct	Sale	50,000	7.35	$367,500.00	1,993,762	4
2024-02-21	Flynn, John Joseph	Director	-	Direct	Sale	50,000	7.96	$398,000.00	2,029,666	4
2024-02-07	Flynn, John Joseph	Director	-	Direct	Sale	50,000	7.25	$362,500.00	2,079,666	4
2024-01-22	Flynn, John Joseph	Director	-	Direct	Sale	50,000	7.60	$380,000.00	2,129,666	4
2024-01-08	Flynn, John Joseph	Director	-	Direct	Sale	50,000	7.83	$391,500.00	2,179,666	4
2023-12-21	Flynn, John Joseph	Director	-	Direct	Sale	50,000	8.31	$415,500.00	2,229,666	4
2023-10-09	Flynn, John Joseph	Director	-	Direct	Sale	50,000	7.05	$352,500.00	2,279,666	4
2023-09-21	Flynn, John Joseph	Director	-	Direct	Sale	50,000	7.19	$359,500.00	2,329,666	4
2023-09-07	Flynn, John Joseph	Director	-	Direct	Sale	50,000	8.07	$403,500.00	2,379,666	4
2023-08-21	Flynn, John Joseph	Director	-	Direct	Sale	50,000	8.37	$418,500.00	2,429,666	4
2023-08-07	Flynn, John Joseph	Director	-	Direct	Sale	50,000	10.30	$515,000.00	2,479,666	4
2023-07-21	Flynn, John Joseph	Director	-	Direct	Sale	50,000	11.21	$560,500.00	2,529,666	4
2023-07-07	Flynn, John Joseph	Director	-	Direct	Sale	50,000	10.03	$501,500.00	2,579,666	4
2023-06-21	Flynn, John Joseph	Director	-	Direct	Sale	50,000	10.34	$517,000.00	2,629,666	4
2023-06-13	Rao, Shubhi Suryaji	Director	-	Direct	Sale	4,350	10.84	$47,154.00	8,189	4
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Institutional Ownership

No data available for chart

2026-03-31

63.29%

Inst. Shares: 74,538,967

Shares Outstanding: 117,778,000

2025-12-31

64.20%

Inst. Shares: 76,143,963

Shares Outstanding: 118,603,000

2025-09-30

67.42%

Inst. Shares: 79,668,981

Shares Outstanding: 118,173,000

2025-06-30

66.47%

Inst. Shares: 79,010,954

Shares Outstanding: 118,866,000

2025-03-31

64.41%

Inst. Shares: 76,933,310

Shares Outstanding: 119,451,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	74,538,967	117,778,000	63.29%
2025-12-31	76,143,963	118,603,000	64.20%
2025-09-30	79,668,981	118,173,000	67.42%
2025-06-30	79,010,954	118,866,000	66.47%
2025-03-31	76,933,310	119,451,000	64.41%
2024-12-31	77,664,765	119,180,000	65.17%
2024-09-30	78,040,088	119,253,000	65.44%
2024-06-30	76,766,143	119,206,000	64.40%
2024-03-31	73,757,741	118,926,000	62.02%
2023-12-31	73,126,445	120,826,644	60.52%
2023-09-30	92,798,688	120,217,857	77.19%
2023-06-30	92,719,351	120,648,658	76.85%
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Open Lending Corp (LPRO) — SEC Financial Statements & Analysis

Open Lending Corp (LPRO) is a personal credit institutions company. Open Lending Corp trades on Nasdaq as: LPRO. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), Open Lending Corp reported a 405.40% year-over-year revenue growth, a Gross Profit Margin of 77.24% (TTM), a Debt-to-Equity ratio of 2.07x. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 405.40%
Gross Profit Margin TTM: 77.24%
Debt To Equity: 2.07x

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Open Lending Corp in?

Open Lending Corp (LPRO) operates in the Personal Credit Institutions industry.

What exchange does LPRO trade on?

Open Lending Corp (LPRO) trades on the Nasdaq.