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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| LPRO | -67.7% | -93.44% | -42.01% | -82% |
| S&P | +14.5% | +93.32% | +14.09% | +146% |
Open Lending Corp. provides lending enablement and risk analytics to credit unions, regional banks and the captive finance companies of original equipment manufacturers (OEM Captives). It specializes in risk-based pricing and modeling and provides automated decision-technology for automotive lenders throughout the United States. The firm addresses the financing needs of near-prime and non-prime borrowers, or borrowers with a credit score who are underserved in the automotive finance industry. The company was founded by John J. Flynn, Sandy Watkins and Ross M. Jessup in 2000 and is headquartered in Austin, TX.
Earnings were in line with expectations.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $25.31M | -5.3% |
| Gross Profit | $19.47M | -7.3% |
| Gross Margin | 76.94% | -1.7% |
| Market Cap | $232.38M | -65.1% |
| Market Cap / Employee | $1.13M | 0.0% |
| Employees | 205 | -2.4% |
| Net Income | $1.03M | -64.4% |
| EBITDA | $1.77M | -59.9% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Net Cash | $241.34M | -4.4% |
| Accounts Receivable | $18.96M | -29.9% |
| Inventory | 0 | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $131.48M | -5.3% |
| Short Term Debt | $7.50M | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | -41.61% | -43.2% |
| Return On Invested Capital | -8.73% | -30.3% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $0.62M | 124.9% |
| Operating Free Cash Flow | $0.85M | 160.3% |
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 47.46 | 51.99 | 109.20 | 159.38 | - |
| Price to Book | 3.37 | 3.23 | 4.22 | 2.91 | -7.38% |
| Price to Sales | 7.63 | 29.65 | 18.68 | 14.20 | 109.92% |
| Price to Tangible Book Value | 3.37 | 3.23 | 4.22 | 3.12 | -0.66% |
| Price to Free Cash Flow TTM | 15.27 | 21.25 | 51.99 | 115.03 | 848.98% |
| Enterprise Value to EBITDA | 260.69 | -7.71 | 171.76 | 72.77 | -42.74% |
| Free Cash Flow Yield | 6.6% | 4.7% | 1.9% | 0.9% | -89.46% |
| Return on Equity | 2.1% | -95.2% | -95.7% | -95.6% | -3487.96% |
| Total Debt | $144.97M | $143.77M | $140.99M | $138.98M | -5.06% |
LPRO earnings call for the period ending June 30, 2022.
LPRO earnings call for the period ending March 31, 2022.
LPRO earnings call for the period ending December 31, 2021.
LPRO earnings call for the period ending September 30, 2021.
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