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OPEN LENDING CORP

LPRONASDAQ
πŸ† #3200 by market capEarnings Nov 4US Equity
$992.77β–Ό $30.97 (βˆ’3.12%)
Simulated price
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🏦Market Cap
$372M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+288.0%
High Growth
πŸ“ŠGross Margin
77.2%
High
πŸ’΅FCF Margin
-0.8%
Thin
βš–οΈP/S Ratio
4.2x
Fair
Otter Score
76
Good
No chart data available for LPRO.

Trading Snapshot

Day Range
$981.05 – $1,004.51
52-Week Range
$1.18 – $3.15
Volume
$3.32B
Avg Volume
$2.64B
Shares Outstanding
118.3M
Next Earnings
Nov 3, 2026

Fundamentals Snapshot

Annual Revenue
$93M
Last Q Revenue
$20M
P/E Ratio
-69.9
P/S Ratio
4.2x
EPS (TTM)
$-0.05
Dividend Yield
0.00%
Dilution (1yr)
βˆ’0.6%

Why Investors Own LPRO

  • βœ“High-growth profile β€” revenue up +52.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 48% gross margin and 7% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

LPRO logo

OPEN LENDING CORP

LPRO
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$93Mβ–² +288.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
75.5%β–² +10636.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$6Mβ–Ό βˆ’109.2% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
βˆ’$3Mβ–Ό βˆ’118.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
118.6Mβ–Ό βˆ’0.6% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$89Mβ–Ό βˆ’$11M YoY
StockOtter Β· stockotter.space

About OPEN LENDING CORP

Based in Austin, Texas, and established in 2000, Open Lending Corporation delivers specialized solutions for empowering lending operations and conducting risk analysis. Their services are utilized by a diverse range of financial institutions throughout the United States, including credit unions, regional banks, independent auto finance companies, and the captive finance arms of original equipment manufacturers. A key offering is their Software as a Service (SaaS) platform, known as the Lenders Protection Program (LPP). This innovative platform assists external lenders by streamlining the process of making loan decisions and automating underwriting. It also facilitates the provision of credit default insurance through affiliated insurance providers. The LPP suite incorporates functionalities such as in-depth loan data analysis, dynamic risk-adjusted pricing for loans, sophisticated risk forecasting models, and intelligent automated decision-making tools, all tailored for the automotive lending industry.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Price Target

β“˜
Average Target
$1,076.12
β–² +8.4% Upside
High Target$1,200.04
Low Target$906.51
Based on 41 analysts

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