Open Lending Key Executives

This section highlights Open Lending's key executives, including their titles and compensation details.

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Open Lending Earnings

This section highlights Open Lending's earnings, including key dates, EPS, earnings reports, and earnings call transcripts.

Next Earnings Date

Date: May 07, 2025
Time: After Market
Est. EPS: $0.01
Status: Unconfirmed

Last Earnings Results

Date: March 31, 2025
EPS: $-0.49
Est. EPS: $0.02
Revenue: $-56.92M

Earnings Call Transcripts

Transcript Quarter Year Date Estimated EPS Actual EPS
Read Transcript Q4 2024 2025-04-01 N/A N/A
Read Transcript Q3 2024 2024-11-09 N/A N/A
Read Transcript Q2 2024 2024-08-10 N/A N/A
Read Transcript Q1 2024 2024-05-07 $0.05 $0.04
Read Transcript Q4 2023 2024-02-27 $0.05 $-0.04
Read Transcript Q3 2023 2023-11-07 $0.07 $0.02
Read Transcript Q2 2023 2023-08-08 $0.09 $0.09
Read Transcript Q1 2023 2023-05-13 N/A N/A

Open Lending Corporation (LPRO)

Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, and non-bank auto finance companies and captive finance companies of original equipment manufacturers in the United States. It offers Lenders Protection Program (LPP), which is a Software as a Service platform that facilitates loan decision making and automated underwriting by third-party lenders and the issuance of credit default insurance through third-party insurance providers. The company's LPP products include loan analytics, risk-based loan pricing, risk modeling, and automated decision technology for automotive lenders. Open Lending Corporation was founded in 2000 and is based in Austin, Texas.

Financial Services Financial - Credit Services

$1.26

Stock Price

$150.93M

Market Cap

205

Employees

Austin, TX

Location

Financial Statements

Access annual & quarterly financial statements for Open Lending, including income statements, balance sheets, and cash flow statements..

Annual Income Statement

Breakdown December 31, 2024 December 31, 2023 December 31, 2022 December 31, 2021 December 31, 2020
Revenue $24.02M $117.46M $179.59M $215.66M $108.89M
Cost of Revenue $23.86M $22.28M $19.97M $18.62M $9.79M
Gross Profit $169.00K $95.18M $159.63M $197.03M $99.11M
Gross Profit Ratio 0.70% 81.03% 88.88% 91.37% 91.01%
Research and Development Expenses $4.46M $5.58M $8.21M $4.35M $1.96M
General and Administrative Expenses $43.87M $43.04M $35.95M $30.39M $32.58M
Selling and Marketing Expenses $17.22M $17.48M $17.86M $12.00M $7.84M
Selling General and Administrative Expenses $61.09M $60.53M $53.81M $42.39M $40.42M
Other Expenses $- $- $-238.00K $55.30M $-4.38M
Operating Expenses $65.55M $66.10M $62.01M $46.74M $42.39M
Cost and Expenses $89.40M $88.39M $81.98M $65.37M $52.17M
Interest Income $12.09M $10.34M $2.00M $213.00K $202.00K
Interest Expense $11.32M $10.66M $5.83M $5.86M $11.60M
Depreciation and Amortization $1.67M $1.78M $1.49M $1.67M $1.77M
EBITDA $-51.61M $41.30M $100.87M $198.69M $-77.62M
EBITDA Ratio -214.84% 35.16% 56.16% 92.13% -71.28%
Operating Income $-65.38M $29.07M $97.61M $205.81M $56.72M
Operating Income Ratio -272.14% 24.75% 54.35% 95.43% 52.09%
Total Other Income Expenses Net $773.00K $-217.00K $-4.08M $40.88M $-147.71M
Income Before Tax $-64.61M $28.86M $93.54M $191.17M $-90.99M
Income Before Tax Ratio -268.92% 24.57% 52.08% 88.65% -83.56%
Income Tax Expense $70.41M $6.79M $26.92M $45.09M $6.57M
Net Income $-135.01M $22.07M $66.62M $146.08M $-97.56M
Net Income Ratio -561.98% 18.79% 37.09% 67.74% -89.60%
EPS $-1.13 $0.18 $0.53 $1.16 $-1.18
EPS Diluted $-1.13 $0.18 $0.53 $1.16 $-1.18
Weighted Average Shares Outstanding 119.18M 120.83M 126.11M 126.35M 82.91M
Weighted Average Shares Outstanding Diluted 119.18M 121.47M 126.26M 126.39M 82.91M
SEC Filing Source Source Source Source Source


Breakdown December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024 December 31, 2023 September 30, 2023 June 30, 2023 March 31, 2023 December 31, 2022 September 30, 2022 June 30, 2022 March 31, 2022 December 31, 2021 September 30, 2021 June 30, 2021 March 31, 2021 December 31, 2020 September 30, 2020 June 30, 2020 March 31, 2020
Revenue $-56.92M $23.48M $26.73M $30.75M $14.94M $26.01M $38.15M $38.36M $26.82M $50.66M $52.04M $50.07M $51.63M $58.89M $61.12M $44.01M $39.63M $29.76M $22.07M $17.43M
Cost of Revenue $6.26M $6.13M $5.71M $5.75M $5.37M $5.37M $6.12M $5.43M $4.90M $5.20M $5.08M $4.79M $4.74M $6.38M $4.14M $3.36M $2.97M $2.50M $1.83M $2.50M
Gross Profit $-63.19M $17.35M $21.01M $25.00M $9.57M $20.64M $32.04M $32.93M $21.93M $45.46M $46.96M $45.28M $46.89M $52.51M $56.98M $40.65M $36.66M $27.27M $20.24M $14.94M
Gross Profit Ratio 111.01% 73.90% 78.62% 81.30% 64.09% 79.35% 83.97% 85.84% 81.75% 89.74% 90.23% 90.44% 90.82% 89.17% 93.23% 92.36% 92.51% 91.61% 91.72% 85.69%
Research and Development Expenses $861.00K $992.00K $1.13M $1.48M $1.50M $1.72M $1.13M $1.23M $1.84M $2.35M $2.19M $1.82M $1.72M $1.27M $773.00K $591.00K $678.00K $579.00K $349.00K $359.00K
General and Administrative Expenses $10.55M $9.59M $11.74M $11.98M $12.00M $9.88M $10.97M $10.20M $11.16M $9.34M $7.97M $7.48M $6.60M $7.20M $8.38M $8.21M $9.35M $5.01M $14.65M $3.57M
Selling and Marketing Expenses $3.96M $4.90M $4.15M $4.21M $4.35M $4.51M $4.22M $4.41M $4.15M $5.98M $3.99M $3.73M $3.34M $3.31M $2.95M $2.40M $2.35M $2.12M $1.29M $2.08M
Selling General and Administrative Expenses $14.51M $14.49M $15.89M $16.19M $16.35M $14.38M $15.19M $14.60M $15.31M $15.32M $11.96M $11.21M $9.94M $10.51M $11.34M $10.61M $11.70M $7.13M $15.95M $5.65M
Other Expenses $- $- $- $- $118.00K $-3.00K $-6.00K $- $1.00K $-239.00K $- $- $11.00K $3.00K $55.42M $-131.00K $-4.38M $- $3.00K $1.00K
Operating Expenses $15.37M $15.48M $17.02M $17.67M $17.85M $16.10M $16.32M $15.83M $17.15M $17.67M $14.15M $13.04M $11.66M $11.77M $12.11M $11.20M $12.38M $7.71M $16.29M $6.01M
Cost and Expenses $21.63M $21.61M $22.74M $23.42M $23.22M $21.47M $22.43M $21.27M $22.05M $22.87M $19.23M $17.83M $16.40M $18.15M $16.25M $14.56M $15.35M $10.21M $18.12M $8.50M
Interest Income $2.81M $3.22M $3.09M $2.97M $3.02M $2.80M $2.45M $2.06M $1.63M $321.00K $22.00K $25.00K $36.00K $35.00K $58.00K $84.00K $105.00K $36.00K $44.00K $17.00K
Interest Expense $2.85M $2.96M $2.74M $2.77M $2.82M $2.80M $2.65M $2.39M $2.30M $1.61M $1.12M $803.00K $489.00K $959.00K $1.12M $3.29M $3.62M $3.57M $3.64M $764.00K
Depreciation and Amortization $393.00K $494.00K $415.00K $372.00K $335.00K $484.00K $406.00K $244.00K $383.00K $212.00K $454.00K $445.00K $432.00K $429.00K $283.00K $522.00K $656.00K $116.00K $549.00K $122.00K
EBITDA $-75.35M $5.58M $4.41M $10.67M $-4.81M $7.82M $18.57M $19.40M $6.78M $28.09M $33.28M $32.46M $35.71M $41.21M $100.64M $21.14M $20.67M $-63.10M $-44.69M $9.07M
EBITDA Ratio 132.37% 23.77% 16.48% 34.69% -32.17% 30.06% 48.68% 50.58% 25.29% 55.44% 63.96% 64.84% 69.16% 69.97% 164.64% 48.04% 52.15% -212.01% -202.52% 52.03%
Operating Income $-78.56M $1.87M $3.99M $7.32M $-8.28M $4.54M $15.72M $17.10M $6.40M $27.79M $32.81M $32.24M $35.23M $40.74M $44.88M $29.45M $24.29M $19.55M $3.95M $8.93M
Operating Income Ratio 138.00% 7.95% 14.93% 23.82% -55.41% 17.44% 41.20% 44.57% 23.87% 54.86% 63.04% 64.40% 68.23% 69.18% 73.42% 66.91% 61.28% 65.70% 17.88% 51.23%
Total Other Income Expenses Net $-37.00K $259.00K $350.00K $201.00K $316.00K $-1.00K $-209.00K $-323.00K $-669.00K $-1.53M $-1.10M $-778.00K $-442.00K $-921.00K $54.36M $-12.11M $-7.90M $-86.67M $-52.40M $-746.00K
Income Before Tax $-78.59M $2.12M $4.34M $7.52M $-7.96M $4.54M $15.51M $16.77M $4.10M $26.27M $31.71M $31.46M $34.78M $39.82M $99.23M $17.33M $16.39M $-67.11M $-48.45M $8.18M
Income Before Tax Ratio 138.07% 9.05% 16.24% 24.47% -53.29% 17.44% 40.65% 43.72% 15.30% 51.84% 60.92% 62.84% 67.37% 67.61% 162.34% 39.38% 41.35% -225.50% -219.57% 46.95%
Income Tax Expense $65.84M $688.00K $1.44M $2.44M $-3.12M $1.53M $4.14M $4.24M $8.29M $1.74M $8.58M $8.31M $6.95M $10.40M $23.27M $4.47M $1.19M $4.02M $1.35M $11.00K
Net Income $-144.44M $1.44M $2.90M $5.09M $-4.84M $3.00M $11.37M $12.54M $-4.19M $24.53M $23.13M $23.15M $27.84M $29.41M $75.97M $12.86M $15.20M $-71.13M $-49.80M $8.17M
Net Income Ratio 253.73% 6.12% 10.86% 16.55% -32.41% 11.55% 29.80% 32.68% -15.62% 48.42% 44.44% 46.25% 53.92% 49.95% 124.28% 29.23% 38.36% -239.01% -225.70% 46.88%
EPS $-1.21 $0.01 $0.02 $0.04 $-0.04 $0.03 $0.09 $0.10 $-0.03 $0.19 $0.18 $0.18 $0.23 $0.23 $0.60 $0.10 $0.13 $-0.62 $-1.01 $0.09
EPS Diluted $-1.21 $0.01 $0.02 $0.04 $-0.04 $0.02 $0.09 $0.10 $-0.03 $0.19 $0.18 $0.18 $0.23 $0.23 $0.60 $0.10 $0.13 $-0.62 $-1.01 $0.09
Weighted Average Shares Outstanding 119.33M 119.25M 119.21M 118.93M 119.37M 120.22M 120.65M 125.38M 125.76M 126.23M 126.22M 126.22M 126.20M 126.19M 126.23M 126.80M 115.19M 114.73M 49.52M 91.85M
Weighted Average Shares Outstanding Diluted 119.33M 119.48M 119.33M 119.42M 119.37M 121.30M 121.54M 123.42M 125.76M 126.23M 126.22M 126.22M 126.22M 126.25M 126.27M 126.84M 115.19M 115.19M 49.55M 91.85M
SEC Filing Source Source Source Source Source Source Source Source Source Source Source Source Source Source Source Source Source Source Source Source

Annual Balance Sheet

Breakdown December 31, 2024 December 31, 2023 December 31, 2022 December 31, 2021 December 31, 2020
Cash and Cash Equivalents $243.16M $240.21M $204.45M $116.45M $101.51M
Short Term Investments $- $- $- $- $-
Cash and Short Term Investments $243.16M $240.21M $204.45M $116.45M $101.51M
Net Receivables $20.12M $40.35M $69.86M $78.41M $54.74M
Inventory $- $- $4.07M $5.53M $4.51M
Other Current Assets $12.44M $9.31M $6.43M $7.93M $6.53M
Total Current Assets $275.73M $289.88M $280.74M $202.79M $162.78M
Property Plant Equipment Net $4.61M $7.90M $7.18M $7.85M $6.93M
Goodwill $- $- $- $- $-
Intangible Assets $5.39M $- $- $- $-
Goodwill and Intangible Assets $5.39M $- $-21.00M $-42.41M $-38.96M
Long Term Investments $- $- $21.00M $42.41M $38.96M
Tax Assets $- $70.11M $65.13M $65.50M $85.22M
Other Non-Current Assets $10.65M $6.14M $26.58M $42.68M $39.08M
Total Non-Current Assets $20.64M $84.16M $98.89M $116.03M $131.23M
Other Assets $- $- $- $- $-
Total Assets $296.37M $374.04M $379.63M $318.82M $294.01M
Account Payables $953.00K $375.00K $288.00K $1.28M $3.44M
Short Term Debt $8.28M $5.32M $4.31M $3.62M $5.25M
Tax Payables $- $- $- $- $2.50M
Deferred Revenue $- $- $- $3.98M $5.54M
Other Current Liabilities $38.02M $14.89M $10.51M $7.16M $5.81M
Total Current Liabilities $47.25M $20.59M $15.11M $12.06M $17.01M
Long Term Debt $6.55M $142.81M $147.76M $147.78M $158.00M
Deferred Revenue Non-Current $- $- $- $- $-
Deferred Tax Liabilities Non-Current $- $- $- $- $-
Other Non-Current Liabilities $164.48M $5.06M $3.94M $- $92.38M
Total Non-Current Liabilities $171.03M $147.87M $151.70M $147.78M $250.38M
Other Liabilities $- $- $- $- $-
Total Liabilities $218.28M $168.46M $166.81M $159.84M $267.39M
Preferred Stock $- $- $- $- $-
Common Stock $1.28M $1.28M $1.28M $1.28M $1.28M
Retained Earnings $-328.76M $-193.75M $-215.82M $-282.44M $-428.41M
Accumulated Other Comprehensive Income Loss $- $0 $0 $0 $-
Other Total Stockholders Equity $405.56M $398.05M $427.36M $440.14M $453.75M
Total Stockholders Equity $78.09M $205.58M $212.82M $158.98M $26.62M
Total Equity $78.09M $205.58M $212.82M $158.98M $26.62M
Total Liabilities and Stockholders Equity $296.37M $374.04M $379.63M $318.82M $294.01M
Minority Interest $- $- $- $- $-
Total Liabilities and Total Equity $296.37M $374.04M $379.63M $318.82M $294.01M
Total Investments $- $610.00K $21.00M $42.41M $38.96M
Total Debt $10.77M $148.13M $151.51M $150.90M $163.25M
Net Debt $-232.39M $-92.08M $-52.94M $34.45M $61.74M


Balance Sheet Charts

Breakdown December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024 December 31, 2023 September 30, 2023 June 30, 2023 March 31, 2023 December 31, 2022 September 30, 2022 June 30, 2022 March 31, 2022 December 31, 2021 September 30, 2021 June 30, 2021 March 31, 2021 December 31, 2020 September 30, 2020 June 30, 2020 March 31, 2020
Cash and Cash Equivalents $243.16M $250.23M $252.47M $246.97M $246.67M $232.61M $224.44M $210.59M $204.45M $201.81M $167.69M $147.40M $116.45M $90.86M $57.15M $127.01M $101.51M $115.15M $26.25M $38.04M
Short Term Investments $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
Cash and Short Term Investments $243.16M $250.23M $252.47M $246.97M $246.67M $232.61M $224.44M $210.59M $204.45M $201.81M $167.69M $147.40M $116.45M $90.86M $57.15M $127.01M $101.51M $115.15M $26.25M $38.04M
Net Receivables $20.12M $22.38M $35.10M $32.73M $40.35M $52.31M $51.74M $54.86M $69.86M $74.54M $84.61M $68.42M $78.41M $67.61M $68.68M $59.54M $54.74M $31.21M $22.68M $25.14M
Inventory $- $- $- $8.10M $1 $5.80M $5.34M $- $4.07M $3.35M $3.41M $3.03M $5.53M $6.33M $7.28M $3.56M $4.51M $5.59M $4.04M $-
Other Current Assets $12.44M $22.12M $10.11M $10.77M $9.31M $8.94M $8.32M $6.54M $6.43M $6.86M $6.75M $4.78M $7.93M $7.08M $7.92M $4.54M $6.53M $10.76M $4.37M $13.02M
Total Current Assets $275.73M $294.73M $293.21M $290.47M $289.88M $293.86M $284.51M $272.00M $280.74M $283.21M $259.06M $220.60M $202.79M $165.56M $133.75M $191.09M $162.78M $157.12M $53.30M $76.20M
Property Plant Equipment Net $4.61M $9.61M $8.50M $7.96M $7.90M $7.86M $7.32M $7.12M $7.18M $7.55M $7.70M $7.84M $7.85M $7.99M $8.05M $7.21M $6.93M $7.17M $669.00K $355.00K
Goodwill $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
Intangible Assets $5.39M $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
Goodwill and Intangible Assets $5.39M $- $- $-10.58M $- $-11.38M $-26.00M $- $-21.00M $-34.38M $-33.41M $-49.19M $-42.41M $-53.52M $-50.90M $-44.48M $- $- $- $-
Long Term Investments $- $- $11.13M $10.58M $610.00K $11.38M $26.00M $- $21.00M $34.38M $33.41M $49.19M $42.41M $53.52M $50.90M $44.48M $- $- $- $-
Tax Assets $- $65.61M $66.26M $67.96M $70.11M $64.74M $63.35M $63.91M $65.13M $73.36M $66.50M $64.95M $65.50M $66.04M $68.31M $83.89M $85.22M $85.27M $89.18M $-
Other Non-Current Assets $10.65M $25.76M $3.70M $14.21M $5.54M $16.92M $31.63M $29.87M $26.58M $34.84M $33.56M $157.00K $262.00K $124.00K $124.00K $124.00K $39.08M $45.35M $43.38M $38.61M
Total Non-Current Assets $20.64M $100.98M $89.59M $90.13M $84.16M $89.52M $102.29M $100.90M $98.89M $115.75M $107.76M $122.13M $116.03M $127.68M $127.39M $135.70M $131.23M $137.79M $133.23M $38.97M
Other Assets $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
Total Assets $296.37M $395.71M $382.80M $380.60M $374.04M $383.38M $386.80M $372.90M $379.63M $398.96M $366.81M $342.73M $318.82M $293.24M $261.14M $326.80M $294.01M $294.91M $186.53M $115.17M
Account Payables $953.00K $282.00K $899.00K $440.00K $375.00K $221.00K $30.00K $741.00K $288.00K $183.00K $421.00K $195.00K $1.28M $1.43M $1.99M $2.99M $3.44M $2.28M $3.09M $5.88M
Short Term Debt $8.28M $7.50M $7.50M $4.69M $5.32M $3.75M $3.75M $3.75M $4.31M $3.75M $3.91M $3.12M $3.62M $3.12M $3.12M $5.44M $5.25M $4.82M $4.46M $4.25M
Tax Payables $- $- $- $- $- $- $- $- $- $- $- $- $- $1.11M $- $4.79M $2.50M $544.00K $569.00K $-
Deferred Revenue $- $- $- $7.89M $- $9.30M $7.49M $- $- $- $- $- $3.98M $8.47M $5.07M $8.79M $5.54M $1.95M $1.49M $-
Other Current Liabilities $38.02M $23.50M $13.61M $16.98M $14.89M $16.00M $14.19M $12.26M $10.51M $13.05M $9.69M $9.09M $7.16M $11.39M $9.53M $5.79M $5.81M $5.49M $3.57M $4.96M
Total Current Liabilities $47.25M $31.28M $22.01M $22.11M $20.59M $19.97M $17.97M $16.75M $15.11M $16.98M $14.02M $12.41M $12.06M $17.05M $14.64M $19.01M $17.01M $13.13M $11.69M $15.09M
Long Term Debt $6.55M $137.47M $138.89M $141.79M $142.81M $144.76M $145.76M $146.76M $147.76M $148.71M $145.33M $146.94M $147.78M $148.60M $149.42M $175.23M $158.00M $159.40M $155.13M $156.64M
Deferred Revenue Non-Current $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
Deferred Tax Liabilities Non-Current $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
Other Non-Current Liabilities $164.48M $6.50M $5.12M $5.17M $5.06M $3.93M $3.92M $3.84M $3.94M $- $- $- $- $- $- $92.37M $92.38M $88.09M $483.97M $-
Total Non-Current Liabilities $171.03M $143.96M $144.01M $146.96M $147.87M $148.68M $149.68M $150.60M $151.70M $148.71M $145.33M $146.94M $147.78M $148.60M $149.42M $267.60M $250.38M $247.49M $639.10M $156.64M
Other Liabilities $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
Total Liabilities $218.28M $175.24M $166.02M $169.06M $168.46M $168.66M $167.65M $167.35M $166.81M $165.69M $159.34M $159.35M $159.84M $165.65M $164.06M $286.61M $267.39M $260.62M $650.78M $171.72M
Preferred Stock $- $- $0 $- $- $- $0 $- $- $- $0 $- $- $- $0 $- $- $0 $92.91M $257.88M
Common Stock $1.28M $1.28M $1.28M $1.28M $1.28M $1.28M $1.28M $1.28M $1.28M $1.28M $1.28M $1.28M $1.28M $1.28M $1.28M $1.28M $1.28M $1.27M $918.00K $8.01M
Retained Earnings $-328.76M $-184.32M $-185.76M $-188.66M $-193.75M $-188.91M $-191.91M $-203.28M $-215.82M $-211.63M $-236.16M $-259.29M $-282.44M $-310.16M $-339.58M $-415.54M $-428.41M $-443.39M $-372.26M $-322.45M
Accumulated Other Comprehensive Income Loss $- $- $-0 $0 $0 $- $-0 $- $0 $-0 $-0 $0 $0 $- $-0 $- $- $-0 $-92.91M $-
Other Total Stockholders Equity $405.56M $403.50M $401.26M $398.92M $398.05M $402.35M $409.78M $407.55M $427.36M $443.62M $442.35M $441.38M $440.14M $436.47M $435.37M $454.45M $453.75M $476.40M $-92.91M $1
Total Stockholders Equity $78.09M $220.46M $216.78M $211.54M $205.58M $214.72M $219.15M $205.55M $212.82M $233.27M $207.47M $183.38M $158.98M $127.59M $97.08M $40.19M $26.62M $34.28M $-464.25M $-56.56M
Total Equity $78.09M $220.46M $216.78M $211.54M $205.58M $214.72M $219.15M $205.55M $212.82M $233.27M $207.47M $183.38M $158.98M $127.59M $97.08M $40.19M $26.62M $34.28M $-464.25M $-56.56M
Total Liabilities and Stockholders Equity $296.37M $395.71M $382.80M $380.60M $374.04M $383.38M $386.80M $372.90M $379.63M $398.96M $366.81M $342.73M $318.82M $293.24M $261.14M $326.80M $294.01M $294.91M $186.53M $115.17M
Minority Interest $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
Total Liabilities and Total Equity $296.37M $395.71M $382.80M $380.60M $374.04M $383.38M $386.80M $372.90M $379.63M $398.96M $366.81M $342.73M $318.82M $293.24M $261.14M $326.80M $294.01M $294.91M $186.53M $115.17M
Total Investments $- $- $11.13M $10.58M $610.00K $11.38M $26.00M $- $21.00M $34.38M $33.41M $49.19M $42.41M $53.52M $50.90M $44.48M $- $- $- $-
Total Debt $10.77M $144.97M $146.39M $146.48M $147.50M $148.51M $149.51M $150.51M $151.51M $152.46M $149.24M $150.07M $150.90M $151.73M $152.54M $178.36M $163.25M $164.08M $159.59M $160.89M
Net Debt $-232.39M $-105.27M $-106.07M $-100.50M $-99.17M $-84.10M $-74.94M $-60.08M $-52.94M $-49.35M $-18.46M $2.67M $34.45M $60.86M $95.39M $51.34M $61.74M $48.93M $133.34M $122.85M

Annual Cash Flow

Breakdown December 31, 2024 December 31, 2023 December 31, 2022 December 31, 2021 December 31, 2020
Net Income $-135.01M $22.07M $66.62M $146.08M $-97.56M
Depreciation and Amortization $1.67M $1.16M $1.34M $1.12M $1.77M
Deferred Income Tax $70.11M $-4.99M $375.00K $20.05M $4.73M
Stock Based Compensation $8.68M $9.49M $5.45M $3.81M $2.83M
Change in Working Capital $70.89M $53.86M $33.07M $-29.82M $-19.06M
Accounts Receivables $18.01M $47.22M $804.00K $-2.18M $-585.00K
Inventory $- $- $- $-25.03M $-20.03M
Accounts Payables $578.00K $86.00K $-996.00K $-2.16M $2.10M
Other Working Capital $52.30M $6.55M $33.26M $-450.00K $-548.00K
Other Non Cash Items $1.26M $1.06M $579.00K $-46.10M $131.93M
Net Cash Provided by Operating Activities $17.60M $82.66M $107.43M $95.16M $24.64M
Investments in Property Plant and Equipment $-165.00K $-123.00K $-624.00K $-1.99M $-1.20M
Acquisitions Net $- $- $- $- $-
Purchases of Investments $- $- $- $- $-
Sales Maturities of Investments $- $- $- $- $-
Other Investing Activities $-3.73M $-2.06M $-386.00K $-1.88M $-
Net Cash Used for Investing Activities $-3.90M $-2.18M $-624.00K $-1.99M $-1.20M
Debt Repayment $-4.69M $-3.75M $1.41M $-20.86M $163.48M
Common Stock Issued $- $- $- $- $-
Common Stock Repurchased $- $-37.32M $-18.02M $-20.00M $-37.50M
Dividends Paid $- $- $- $- $-135.60M
Other Financing Activities $-1.76M $-1.26M $-1.19M $-36.95M $80.42M
Net Cash Used Provided by Financing Activities $-6.45M $-42.33M $-17.80M $-77.81M $70.81M
Effect of Forex Changes on Cash $- $- $- $- $-
Net Change in Cash $7.25M $38.15M $89.01M $15.36M $94.25M
Cash at End of Period $253.92M $246.67M $208.52M $119.51M $104.15M
Cash at Beginning of Period $246.67M $208.52M $119.51M $104.15M $9.90M
Operating Cash Flow $17.60M $82.66M $107.43M $95.16M $24.64M
Capital Expenditure $-165.00K $-2.18M $-624.00K $-1.99M $-1.20M
Free Cash Flow $17.43M $80.48M $106.81M $93.17M $23.44M

Cash Flow Charts

Breakdown December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024 December 31, 2023 September 30, 2023 June 30, 2023 March 31, 2023 December 31, 2022 September 30, 2022 June 30, 2022 March 31, 2022 December 31, 2021 September 30, 2021 June 30, 2021 March 31, 2021 December 31, 2020 September 30, 2020 June 30, 2020 March 31, 2020
Net Income $-144.44M $1.44M $2.90M $5.09M $-4.84M $3.00M $11.37M $12.54M $-4.19M $24.53M $23.13M $23.15M $27.84M $29.41M $75.97M $12.86M $15.20M $-71.13M $-49.80M $8.17M
Depreciation and Amortization $393.00K $494.00K $415.00K $372.00K $335.00K $328.00K $252.00K $244.00K $659.00K $66.00K $310.00K $304.00K $293.00K $24.00K $283.00K $522.00K $656.00K $441.00K $549.00K $122.00K
Deferred Income Tax $65.61M $642.00K $1.70M $2.15M $-5.37M $-1.40M $561.00K $1.22M $8.23M $-6.86M $-1.55M $554.00K $879.00K $2.27M $15.57M $1.33M $51.00K $3.91M $775.00K $-
Stock Based Compensation $2.27M $2.19M $2.37M $1.85M $2.67M $2.66M $2.32M $1.84M $1.89M $1.29M $988.00K $1.28M $1.09M $1.10M $927.00K $701.00K $152.00K $- $2.19M $487.00K
Change in Working Capital $72.39M $7.83M $-9.06M $1.23M $23.69M $15.46M $1.30M $13.41M $15.96M $11.97M $-1.36M $6.50M $-3.51M $2.23M $-23.18M $-5.36M $-7.80M $-11.98M $2.42M $-1.71M
Accounts Receivables $27.67M $1.68M $-491.00K $-1.14M $20.57M $1.06M $291.00K $11.41M $933.00K $306.00K $1.10M $-1.53M $341.00K $695.00K $-766.00K $-2.45M $-960.00K $-199.00K $1.67M $-1.09M
Inventory $- $- $- $- $- $- $- $- $- $- $- $- $-3.79M $901.00K $- $- $-7.97M $- $- $3.45M
Accounts Payables $670.00K $-616.00K $458.00K $66.00K $153.00K $192.00K $-713.00K $454.00K $105.00K $-216.00K $205.00K $-1.09M $-145.00K $-557.00K $-844.00K $-611.00K $1.16M $770.00K $-363.00K $539.00K
Other Working Capital $44.05M $6.77M $-9.03M $4.91M $2.97M $14.20M $1.72M $1.55M $14.92M $11.88M $-2.67M $9.12M $83.00K $1.19M $-21.57M $-2.30M $-25.00K $-12.55M $1.12M $-4.60M
Other Non Cash Items $390.00K $-1.22M $3.50M $310.00K $273.00K $269.00K $269.00K $252.00K $-117.00K $411.00K $144.00K $141.00K $139.00K $405.00K $-55.42M $8.78M $1.98M $83.13M $48.80M $539.00K
Net Cash Provided by Operating Activities $-3.38M $11.38M $-1.41M $11.01M $16.75M $20.32M $16.07M $29.51M $22.43M $31.41M $21.66M $31.93M $26.73M $35.44M $14.15M $18.84M $8.27M $4.37M $4.93M $7.08M
Investments in Property Plant and Equipment $-4.00K $-110.00K $-1.09M $-642.00K $-590.00K $-745.00K $-508.00K $-36.00K $13.00K $-273.00K $-178.00K $-186.00K $-202.00K $-944.00K $-838.00K $-3.00K $-99.00K $-673.00K $-341.00K $-83.00K
Acquisitions Net $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
Purchases of Investments $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
Sales Maturities of Investments $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
Other Investing Activities $-1.15M $-900.00K $-1.03M $-642.00K $-570.00K $-719.00K $-467.00K $-299.00K $29.00K $-121.00K $-164.00K $-130.00K $- $- $- $- $- $- $- $-
Net Cash Used for Investing Activities $-1.16M $-1.01M $-1.09M $-642.00K $-590.00K $-745.00K $-508.00K $-335.00K $13.00K $-273.00K $-178.00K $-186.00K $-202.00K $-944.00K $-838.00K $-3.00K $-99.00K $-673.00K $-341.00K $-83.00K
Debt Repayment $-1.88M $-1.88M $- $-938.00K $-937.00K $-938.00K $-937.00K $-938.00K $-938.00K $3.91M $-781.00K $-781.00K $-782.00K $-781.00K $-25.78M $8.15M $8.69M $-1.06M $-1.07M $166.69M
Common Stock Issued $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
Common Stock Repurchased $- $1.14M $-116.00K $-1.02M $-6.00M $-10.00M $-146.00K $-21.32M $-18.02M $-18.00K $-24.00K $-39.00K $- $- $-20.00M $- $-37.50M $- $- $-
Dividends Paid $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-218.00K $- $-1.23M $-134.15M
Other Financing Activities $-612.00K $-10.00K $-116.00K $-1.02M $-970.00K $-13.00K $-146.00K $-129.00K $-128.00K $-994.00K $-24.00K $-39.00K $- $- $-37.13M $-1.49M $-30.25M $86.47M $-13.94M $-9.11M
Net Cash Used Provided by Financing Activities $-2.49M $-1.89M $-116.00K $-1.96M $-7.91M $-10.95M $-1.08M $-22.39M $-19.08M $2.91M $-805.00K $-820.00K $-782.00K $-781.00K $-82.91M $6.66M $-21.78M $85.41M $-16.24M $23.42M
Effect of Forex Changes on Cash $- $- $- $- $1 $- $-538.00K $- $- $- $- $- $- $- $- $- $- $- $- $-
Net Change in Cash $-7.02M $8.48M $-2.61M $8.40M $8.26M $8.63M $14.48M $6.78M $3.36M $34.05M $20.67M $30.93M $25.75M $33.72M $-69.60M $25.49M $-13.62M $89.10M $-11.65M $30.41M
Cash at End of Period $253.92M $260.95M $252.47M $255.07M $246.67M $238.41M $229.78M $215.30M $208.52M $205.16M $171.11M $150.44M $119.51M $93.76M $60.05M $129.64M $104.15M $117.77M $28.66M $40.31M
Cash at Beginning of Period $260.95M $252.47M $255.07M $246.67M $238.41M $229.78M $215.30M $208.52M $205.16M $171.11M $150.44M $119.51M $93.76M $60.05M $129.64M $104.15M $117.77M $28.66M $40.31M $9.90M
Operating Cash Flow $-3.38M $11.38M $-1.41M $11.01M $16.75M $20.32M $16.07M $29.51M $22.43M $31.41M $21.66M $31.93M $26.73M $35.44M $14.15M $18.84M $8.27M $4.37M $4.93M $7.08M
Capital Expenditure $-1.16M $-1.01M $-1.09M $-642.00K $-590.00K $-745.00K $-508.00K $-335.00K $13.00K $-273.00K $-178.00K $-186.00K $-202.00K $-944.00K $-838.00K $-3.00K $-99.00K $-673.00K $-341.00K $-83.00K
Free Cash Flow $-4.54M $10.37M $-2.49M $10.36M $16.16M $19.58M $15.56M $29.17M $22.45M $31.14M $21.48M $31.75M $26.53M $34.50M $13.31M $18.83M $8.17M $3.70M $4.59M $6.99M

Open Lending Dividends

Explore Open Lending's dividend history, including dividend yield, payout ratio, and historical payments.

Open Lending does not currently pay a dividend.

Open Lending News

Read the latest news about Open Lending, including recent articles, headlines, and updates.

INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Open Lending Corp. - LPRO

NEW YORK , April 28, 2025 /PRNewswire/ -- Pomerantz LLP is investigating claims on behalf of investors of Open Lending Corp. ("Open Lending" or the "Company") (NASDAQ: LPRO). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext.

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INVESTOR ALERT: Faruqi & Faruqi, LLP Investigates Claims on Behalf of Investors of Open Lending

Faruqi & Faruqi, LLP Securities Litigation Partner James (Josh) Wilson  Encourages Investors Who Suffered Significant Losses In Open Lending To Contact Him Directly To Discuss Their Options If you suffered significant losses in Open Lending stock or options and would like to discuss your legal rights, call Faruqi & Faruqi partner Josh Wilson directly at 877-247-4292 or 212-983-9330  (Ext. 1310).  [You may also click here for additional information] NEW YORK , April 27, 2025 /PRNewswire/ -- Faruqi & Faruqi, LLP, a leading national securities law firm, is investigating potential claims against Open Lending Corporation ("Open Lending" or the "Company") (NASDAQ: LPRO).

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INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Open Lending Corp. - LPRO

NEW YORK, April 25, 2025 (GLOBE NEWSWIRE) -- Pomerantz LLP is investigating claims on behalf of investors of  Open Lending Corp. (“Open Lending” or the “Company”) (NASDAQ: LPRO).  Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. 7980.

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SHAREHOLDER REMINDER: Faruqi & Faruqi, LLP Investigates Claims on Behalf of Investors of Open Lending

Faruqi & Faruqi, LLP Securities Litigation Partner  James (Josh) Wilson Encourages Investors Who Suffered Significant Losses In Open Lending To Contact Him Directly To Discuss Their Options NEW YORK CITY, NY / ACCESS Newswire / April 24, 2025 / If you suffered significant losses in Open Lending stock or options and would like to discuss your legal rights, call Faruqi & Faruqi partner Josh Wilson directly at 877-247-4292 or 212-983-9330 (Ext. 1310). [You may also click here for additional information] Faruqi & Faruqi, LLP, a leading national securities law firm, is investigating potential claims against Open Lending Corporation ("Open Lending" or the "Company") (NASDAQ:LPRO).

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INVESTOR ALERT: Investigation of Open Lending Corporation (LPRO) Announced by Holzer & Holzer, LLC

ATLANTA, April 21, 2025 (GLOBE NEWSWIRE) -- Holzer & Holzer, LLC is investigating whether Open Lending Corporation (“Open Lending” or the “Company”) (NASDAQ: LPRO) complied with federal securities laws. On March 31, 2025, Open Lending reported its financial results for its fourth quarter and full year ended December 31, 2024, revealing that “for the fourth quarter of 2024, adjustments attributable to the Company's profit share revenue forecast resulted in a negative change in estimate of $81.3 million, primarily due to heightened delinquencies and corresponding defaults associated with loans originated in 2021 through 2024.” Following this news, the price of the Company's stock dropped.

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SHAREHOLDER ALERT: Faruqi & Faruqi, LLP Investigates Claims on Behalf of Investors of Open Lending

Faruqi & Faruqi, LLP Securities Litigation Partner  James (Josh) Wilson Encourages Investors Who Suffered Significant Losses In Open Lending To Contact Him Directly To Discuss Their Options NEW YORK CITY, NY / ACCESS Newswire / April 18, 2025 / If you suffered significant losses in Open Lending stock or options and would like to discuss your legal rights, call Faruqi & Faruqi partner Josh Wilson directly at 877-247-4292 or 212-983-9330 (Ext. 1310). [You may also click here for additional information] Faruqi & Faruqi, LLP, a leading national securities law firm, is investigating potential claims against Open Lending Corporation ("Open Lending" or the "Company") (NASDAQ:LPRO).

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Open Lending Corporation (LPRO) Investigation: Bronstein, Gewirtz & Grossman, LLC Encourages Investors to Contact the Firm to Learn More About the Investigation

NEW YORK CITY, NY / ACCESS Newswire / April 17, 2025 / Bronstein, Gewirtz & Grossman, LLC is investigating potential claims on behalf of purchasers of Open Lending Corporation ("Open Lending" or "the Company") (NASDAQ:LPRO). Investors who purchased Open Lending securities are encouraged to obtain additional information and assist the investigation by visiting the firm's site: bgandg.com/LPRO.

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Bronstein, Gewirtz & Grossman, LLC Encourages Open Lending Corporation (LPRO) Shareholders to Inquire about Securities Investigation

NEW YORK CITY, NY / ACCESS Newswire / April 16, 2025 / Bronstein, Gewirtz & Grossman, LLC is investigating potential claims on behalf of purchasers of Open Lending Corporation ("Open Lending" or "the Company") (NASDAQ:LPRO). Investors who purchased Open Lending securities are encouraged to obtain additional information and assist the investigation by visiting the firm's site: bgandg.com/LPRO.

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Bronstein, Gewirtz & Grossman, LLC Is Investigating Open Lending Corporation (LPRO) And Encourages Shareholders to Connect

NEW YORK CITY, NY / ACCESS Newswire / April 15, 2025 / Bronstein, Gewirtz & Grossman, LLC is investigating potential claims on behalf of purchasers of Open Lending Corporation ("Open Lending" or "the Company") (NASDAQ:LPRO). Investors who purchased Open Lending securities are encouraged to obtain additional information and assist the investigation by visiting the firm's site: bgandg.com/LPRO.

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Bronstein, Gewirtz & Grossman, LLC Initiates an Investigation into Allegations Against Open Lending Corporation (LPRO) And Encourages Shareholders to Reach Out

NEW YORK CITY, NY / ACCESS Newswire / April 14, 2025 / Bronstein, Gewirtz & Grossman, LLC is investigating potential claims on behalf of purchasers of Open Lending Corporation ("Open Lending" or "the Company") (NASDAQ:LPRO). Investors who purchased Open Lending securities are encouraged to obtain additional information and assist the investigation by visiting the firm's site: bgandg.com/LPRO.

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Bronstein, Gewirtz & Grossman, LLC Announces an Investigation Against Open Lending Corporation (LPRO) and Encourages Investors to Learn More About the Investigation

NEW YORK CITY, NY / ACCESS Newswire / April 13, 2025 / Bronstein, Gewirtz & Grossman, LLC is investigating potential claims on behalf of purchasers of Open Lending Corporation ("Open Lending" or "the Company") (NASDAQ:LPRO). Investors who purchased Open Lending securities are encouraged to obtain additional information and assist the investigation by visiting the firm's site: bgandg.com/LPRO.

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Open Lending Corporation (LPRO) Investigation: Bronstein, Gewirtz & Grossman, LLC Encourages Shareholders to Contact the Firm to Learn More About the Investigation

NEW YORK CITY, NY / ACCESS Newswire / April 11, 2025 / Bronstein, Gewirtz & Grossman, LLC is investigating potential claims on behalf of purchasers of Open Lending Corporation ("Open Lending" or "the Company") (NASDAQ:LPRO). Investors who purchased Open Lending securities are encouraged to obtain additional information and assist the investigation by visiting the firm's site: bgandg.com/LPRO.

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Bronstein, Gewirtz & Grossman, LLC Is Investigating Open Lending Corporation (LPRO) And Encourages Investors to Connect

NEW YORK CITY, NY / ACCESS Newswire / April 10, 2025 / Bronstein, Gewirtz & Grossman, LLC is investigating potential claims on behalf of purchasers of Open Lending Corporation ("Open Lending" or "the Company") (NASDAQ:LPRO). Investors who purchased Open Lending securities are encouraged to obtain additional information and assist the investigation by visiting the firm's site: bgandg.com/LPRO.

News image

Bronstein, Gewirtz & Grossman, LLC Encourages Open Lending Corporation (LPRO) Stockholders to Inquire about Securities Investigation

NEW YORK CITY, NY / ACCESS Newswire / April 9, 2025 / Bronstein, Gewirtz & Grossman, LLC is investigating potential claims on behalf of purchasers of Open Lending Corporation ("Open Lending" or "the Company") (NASDAQ:LPRO). Investors who purchased Open Lending securities are encouraged to obtain additional information and assist the investigation by visiting the firm's site: bgandg.com/LPRO.

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Related Metrics

Explore detailed financial metrics and analysis for LPRO.