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LPROOpen Lending Corporation
$3.14$372M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
LPRO logo

Open Lending Corporation

LPRO
NASDAQ · Credit Services
$3.14
At close - Aug 13, 4:00 PM EDT - USD
Market Cap$372M
P/E-88.0x
52W High$3.15
Volume-
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

Accounting Volatility Masks Structural Profitability Challenges

Open Lending's business model remains highly sensitive to auto credit cycles, as evidenced by the extreme revenue volatility and the $144.4 million net loss reported in 2024Q4. While the company maintains a robust gross margin profile consistently exceeding 75...

GrowthMixed
ProfitabilityStrained
ValuationExpensive
TechnicalsStrong
Explore valuation models
MARKET ACTION

LPRO price & volume

Price trend, volume and key moving averages

Launch Terminal
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Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

1/12 Beats

EPS beat 1 of last 12 quarters

02

Valuation risk

-450% Peers

P/E is 450% below peer median

03

Market leadership

RS 96 · Leader

High momentum (Outperforming 96% of market)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystEstimated earnings · Aug 7

Market performance

Price History →

Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
LPRO+101.28%
S&P 500 (^GSPC)+13.20%
1-Year Return
LPRO+31.38%
S&P 500 (^GSPC)+15.98%
3-Year Return
LPRO-55.33%
S&P 500 (^GSPC)+82.07%
5-Year Return
LPRO-91.97%
S&P 500 (^GSPC)+75.85%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-88.0x
Forward P/E
33.9x
EV/EBITDA100th %ile
33.7x
FCF YieldCash Flow
N/A

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-88.0x
19.4x
0th· Low
EV/EBITDA
33.7x
19.1x
100th· High
Price/FCF
N/A
30.5x
N/A
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$84M+557.6% YoY
Net income
-$4M+96.9% YoY
Free cash flow
-$3M-118.6% YoY
Operating margin
6.4%+278.6 pts YoY
ROIC (TTM)2.3%
Avg ROIC 5Y-
ROE (TTM)-5.5%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate1/12 (8%)
Revenue Beat Rate5/12 (42%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026Latest
May 7, 2026
-$0.00-139.1%
vs $0.01
$20M+0.4%
vs $20M
Q2 2026
Mar 12, 2026
$0.01-50.0%
vs $0.02
$19M-11.7%
vs $22M
Q4 2025
Nov 6, 2025
$0.03+200.0%
vs $0.01
$24M+10.3%
vs $22M
Q3 2025
Aug 6, 2025
$0.01-50.0%
vs $0.02
$25M+5.9%
vs $24M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Defense World·Aug 27, 2026
Open Lending Corporation (NASDAQ:LPRO) Receives Average Rating of “Reduce” from Analysts

Shares of Open Lending Corporation (NASDAQ: LPRO - Get Free Report) have received an average recommendation of "Reduce" from the five ratings firms that are currently covering the company, Marketbeat.com reports. One investment analyst has rated the stock with a sell recommendation and four have issued a hold recommendation on the company. The average 12-month price

GuruFocus·Jul 30, 2026
ANV Completes Acquisition of Open Lending

ANV Group Holdings Ltd. (“ANV”), a global insurance intermediary platform, today announced it has completed its acquisition of Open Lending, a leading provi

Business Wire·Jul 30, 2026
ANV Completes Acquisition of Open Lending

NEW YORK--(BUSINESS WIRE)--ANV Group Holdings Ltd. (“ANV”), a global insurance intermediary platform, today announced it has completed its acquisition of Open Lending, a leading provider of insurance-backed lending enablement and risk analytics solutions for financial institutions. The transaction, originally announced on June 16, 2026, has received all required regulatory approvals. Open Lending is now a privately held company. Founded more than two decades ago, Open Lending partners with fina.

Business Wire·Jul 28, 2026
Open Lending and ANV Announce Results of Tender Offer

NEW YORK--(BUSINESS WIRE)--Open Lending Corporation (NASDAQ: LPRO) (“Open Lending”) and ANV Group Holdings Ltd. (“ANV”), a global insurance intermediary platform, today announced the results of ANV's tender offer for any and all of the outstanding shares of Open Lending common stock (the “Shares”) at a price of $3.15 per Share. Equiniti Trust Company, LLC, the depositary and paying agent for the tender offer, has reported that, as of the expiration of the tender offer at one minute after 11:59.

Filtered for Open Lending CorporationMore Headlines
04

Compare before deciding

Benchmark LPRO against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Open Lending Corporation (LPRO)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
LPRO logoLPROOpen Lending CorporationCurrent
$3.14$371.53M-87.96557.55%-4.54%-5.54%—
TREE logoTREELendingTree, Inc.
$26.05$363.48M2.4222.72%14.32%69.56%—
UPST logoUPSTUpstart Holdings, Inc.
$25.97$2.49B57.7162.84%5.22%7.85%—
AFRM logoAFRMAffirm Holdings, Inc.
$71.77$23.91B478.4738.8%56.52%47.91%—
PRAA logoPRAAPRA Group, Inc.
$20.58$784.94M-2.64-4.51%-23.24%-25.21%—
ENVA logoENVAEnova International, Inc.
$168.98$4.21B14.5912.2%11.81%25.76%—

Compare LPRO vs Peers

Open Lending Corporation (LPRO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs TREE

Most directly comparable listed peer for LPRO.

Scale Benchmark

vs COF

Larger-name benchmark to compare LPRO against a more recognizable public peer.

Peer Set

Compare Top 5

vs TREE, UPST, AFRM, PRAA

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

LPRO SEC Filings & Documents

Open Lending Corporation (LPRO) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jul 31, 2026·SEC

Material company update

Jul 30, 2026·SEC

Material company update

Jun 16, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 31, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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LPRO Frequently Asked Questions

Open Lending Corporation (LPRO) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Open Lending Corporation growing?

Open Lending Corporation (LPRO) grew revenue by 557.6% over the past year. This is strong growth.

Is LPRO profitable?

Open Lending Corporation (LPRO) reported a net loss of $5.3M for fiscal year 2025.

Dividend & Returns
What is LPRO's return on equity?

Open Lending Corporation (LPRO) has a return on equity (ROE) of -5.5%. Negative ROE indicates the company is unprofitable.

Industry Metrics
What is Open Lending Corporation's net interest margin?

Open Lending Corporation (LPRO) has a net interest margin (NIM) of -0.1%. NIM has been under pressure due to interest rate environment.

What is Open Lending Corporation's efficiency ratio?

Open Lending Corporation (LPRO) has an efficiency ratio of 69.1%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in LPRO back in 2017?

Total return calculator · dividends reinvested · 9+ years of data

See returns →