Open Lending(NASDAQ) LPRO

Market Cap$372.71M

Since IPO (2018)-67%

5 Year-92%

1 Year+21%

1 Month+1%

$3.15

-0.16%

-0.01Today

Open Lending last closing stock price
Metric	Price	Date
Last close	USD 3.15	2026-07-28

Open Lending stock price return by period
Period	Price return	Price at period start	Period start date
1 week	+0.32%	USD 3.14	2026-07-21
1 month	+0.96%	USD 3.12	2026-06-26
3 month	+77.97%	USD 1.77	2026-04-29
Year to date	+103.23%	USD 1.55	2025-12-31
1 year	+20.69%	USD 2.61	2025-07-28
3 year	-72.27%	USD 11.36	2023-07-28
5 year	-91.72%	USD 38.06	2021-07-29
Since inception	-67.36%	USD 9.65	2018-03-06

Open Lending Financials at a Glance

Market Cap

$372.71M

Revenue (TTM)

$89.32M

Net Income (TTM)

-$5.31M

EPS (TTM)

-$0.05

P/E Ratio

-70.00

Dividend

$0.00

Beta (Volatility)

1.68 (High)

Dividend

$0.00

Beta (Volatility)

1.68 (High)

Price

$3.15

Volume

1,018,703

Open

$3.15

Price

$3.15

Volume

1,018,703

Open

$3.15

Previous Close

$3.14

Daily Range

$3.14 - $3.15

52-Week Range

$1.18 - $3.15

Estimated Earnings Date

Aug 5, 2026

Dividend

$0.00

Beta (Volatility)

1.68 (High)

Price

$3.15

Volume

1,018,703

Open

$3.15

Previous Close

$3.14

Daily Range

$3.14 - $3.15

52-Week Range

$1.18 - $3.15

Estimated Earnings Date

Aug 5, 2026

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About Open Lending

Open Lending helps car lenders decide which loans to approve. It uses data to protect lenders if borrowers cannot pay. This service helps more people get the financing they need for vehicles.

How Car Lenders Use Data

Lenders Protection Program: Cloud-based platform that automates loan decisions and links lenders to default insurance providers.
ApexOne Auto: Advanced decisioning tool for prime borrowers that does not require default insurance.
Risk Modeling: Proprietary data analysis used to project loan losses and set custom interest rates.
Claims Administration: Service that manages insurance claims and premium adjustments for automotive loans.

Growth Through New Platforms

Launched ApexOne Auto in November 2025 to expand services into the prime borrower market.
Entered a cooperation agreement with Palogic Value Management in March 2026.
Extended and increased the stock buyback program to $50 million in April 2026.

What Makes the Company Different?

The company uses 25 years of proprietary data to build millions of unique risk profiles. Its software allows regional banks and credit unions to compete with larger automotive lenders.

A Look at Recent Results

Total revenue was $20.5 million in Q1 2026, down 16% from $24.4 million in Q1 2025.
Net income reached a loss of $460,000 in Q1 2026, a 174.6% decrease from the previous year.
Certified loan volume fell to 21,064 in Q1 2026, a 24% decrease compared to the prior year.
Free cash flow reached a loss of $546,000 in Q1 2026, which was an 87.7% improvement year-over-year.

The Final Word

Open Lending has evolved from a niche risk tool into a broad automotive lending platform. The expansion into prime lending shows an effort to diversify its customer base beyond near-prime borrowers.

AI Generated • May 20, 2026

Industry

Capital Markets

Sector

Financials

Employees

164

CEO

Jessica Elizabeth Synder, MBA

Website

www.openlending.com

Headquarters

Austin, TX 78746, US

LPRO Financials

Key Financial Metrics (TTM)

Gross Margin

77.24%

Operating Margin

-7.17%

Net Income Margin

-5.95%

Return on Equity

-7.04%

Return on Capital

3.68%

Return on Assets

-2.30%

Earnings Yield

-1.43%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$372.71M

Shares Outstanding

118.32M

Volume

1.02M

Avg. Volume

2.77M

Financials (TTM)

Gross Profit

$68.99M

Operating Income

-$6.40M

EBITDA

$4.41M

Operating Cash Flow

-$120.00K

Capital Expenditure

-$594.00K

Free Cash Flow

-$714.00K

Cash & ST Invst.

$184.95M

Total Debt

$85.08M

Open Lending Performance Analysis

Open Lending annual revenue and year-over-year revenue growth by fiscal year
Fiscal year	Period end	Revenue	YoY growth
2022	2022-12-31	USD 179,594,000	-16.7%
2023	2023-12-31	USD 117,460,000	-34.6%
2024	2024-12-31	USD 24,024,000	-79.5%
2025	2025-12-31	USD 93,217,000	288.0%

Open Lending sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarter	Period end	QoQ growth
Q2	2025-06-30	3.8%
Q3	2025-09-30	-4.5%
Q4	2025-12-31	-20.0%
Q1	2026-03-31	5.9%

Open Lending annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal year	Period end	Diluted EPS	YoY growth
2022	2022-12-31	USD 0.53	-54.4%
2023	2023-12-31	USD 0.18	-65.6%
2024	2024-12-31	USD -1.13	N/A
2025	2025-12-31	USD -0.04	-96.8%

Open Lending sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarter	Period end	QoQ growth
Q2	2025-06-30	65.4%
Q3	2025-09-30	-844.2%
Q4	2025-12-31	122.2%
Q1	2026-03-31	-127.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name

Q1 2026YOY CHG

Revenue

$20.49M

-16.0%

Gross Profit

$15.64M

-14.6%

Gross Margin

76.31%

N/A

Market Cap

$372.71M

N/A

Market Cap/Employee

$2.27M

N/A

Employees

164

N/A

Net Income

-$460.00K

-174.6%

EBITDA

$1.52M

-60.2%

Quarterly Fundamentals

Name

Q1 2026YOY CHG

Total Cash

$184.95M

-21.7%

Total Debt

$85.08M

-39.7%

Accounts Receivable

$27.32M

-1.6%

Inventory

$0.00

N/A

Long Term Debt

$77.58M

-41.9%

Short Term Debt

$7.50M

+0.0%

Return on Assets

-2.30%

N/A

Return on Invested Capital

-3.52%

N/A

Free Cash Flow

-$1.05M

+76.3%

Operating Cash Flow

-$764.00K

+80.1%

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Questions About LPRO

What is the current price of Open Lending?

Open Lending is trading at $3.14 per share.

What is the 52-week range for Open Lending?

Over the past 52 weeks, Open Lending has traded between $1.18 and $3.15.

How much debt does Open Lending have?

As of the most recent reporting period, Open Lending reported total debt of $85.08M.

How much cash does Open Lending have on hand?

Open Lending reported $184.95M in cash and cash equivalents in its most recent financial results.

What is Open Lending’s dividend yield?

Open Lending does not currently have a dividend yield.

Open Lending(NASDAQ) LPRO

Open Lending Financials at a Glance

LPRO News

Open Lending (LPRO) Q2 Revenue Beats 16%

Why Open Lending Stock Was Down 19.2% This Week

Why Open Lending Stock Was Tanking Today

Why Open Lending Stock Climbed 29% This Week

Why Shares of Open Lending Corp Are Surging Today

Can Open Lending Capitalize on AI the Same Way Upstart Did?

Why Shares of Open Lending Are Up Today

Why Shares of Open Lending Are Rising Today

LPRO: Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

About Open Lending

How Car Lenders Use Data

Growth Through New Platforms

What Makes the Company Different?

A Look at Recent Results

The Final Word

LPRO Financials

Key Financial Metrics (TTM)

Stock Overview

Financials (TTM)

Open Lending Performance Analysis

Revenue Growth Rate

Earnings Per Share Growth Rate

Quarterly Performance

Quarterly Fundamentals

Other Investments to Explore

People Also Watch

Trending Stocks

Questions About LPRO

What is the current price of Open Lending?

What is the 52-week range for Open Lending?

How much debt does Open Lending have?

How much cash does Open Lending have on hand?

What is Open Lending’s dividend yield?

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