Open Lending Corporation
General ticker "LPRO" information:
- Sector: Financials
- Industry: Financial - Credit Services
- Capitalization: $220.7M (TTM average)
Open Lending Corporation follows the US Stock Market performance with the rate: 27.9%.
Estimated limits based on current volatility of 0.3%: low 3.13$, high 3.15$
Factors to consider:
- Total employees count: 164 (-20.0%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Dependency on top automotive lenders, Economic downturns and volatility, LPP adoption by lenders, Loss of insurance partners, Cybersecurity threats
- Price in estimated range
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [1.08$, 3.74$]
- 2026-12-31 to 2027-12-31 estimated range: [1.56$, 4.79$]
Financial Metrics affecting the LPRO estimates:
- Positive: with PPE of 27.1 at the end of fiscal year the price was low
- Negative: negative Operating cash flow
- Positive: -5.34 < Operating profit margin, % of -5.10
- Positive: Investing cash flow per share per price, % of -0.53 > -0.60
- Positive: 19.19 < Shareholder equity ratio, % of 31.67 <= 42.57
- Positive: Industry operating cash flow per share per price (median), % of 19.17 > 10.32
- Positive: 0.02 < Industry earnings per price (median), % of 3.82
- Positive: Industry operating profit margin (median), % of 18.77 > 9.66
- Positive: Industry inventory ratio change (median), % of 0 <= 0
Short-term LPRO quotes
Long-term LPRO plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $117.46MM | $24.02MM | $93.22MM |
| Operating Expenses | $88.39MM | $89.40MM | $98.22MM |
| Operating Income | $29.07MM | $-65.38MM | $-5.01MM |
| Non-Operating Income | $-0.22MM | $0.77MM | $-0.36MM |
| Interest Expense | $10.66MM | $11.32MM | $9.66MM |
| R&D Expense | $5.58MM | $4.46MM | $8.78MM |
| Income(Loss) | $28.86MM | $-64.61MM | $-5.37MM |
| Taxes | $6.79MM | $70.41MM | $-1.13MM |
| Net Income(Loss)* | $22.07MM | $-135.01MM | $-4.24MM |
| Stockholders Equity | $205.58MM | $78.09MM | $74.96MM |
| Assets | $374.04MM | $296.37MM | $236.68MM |
| Operating Cash Flow | $82.66MM | $17.60MM | $-3.19MM |
| Capital expenditure | $2.18MM | $0.17MM | $0.06MM |
| Investing Cash Flow | $-2.18MM | $-3.90MM | $-1.03MM |
| Financing Cash Flow | $-42.33MM | $-6.45MM | $-61.48MM |
| Earnings Per Share** | $0.18 | $-1.13 | $-0.04 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.