Reading the tape
NASDAQ: LPRO
Open Lending Corporation
Financial Services · Financial - Credit Services
Market Cap
$202.84M
52w High
$2.70
52w Low
$1.18
P/E
-48.04
Volume
48.35K
Outstanding Shares
118.22M
Price vs Fundamentals
Why The Stock Is Moving
Fundamentals are supporting the moveModerate confidence
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
1Y Price: 33.63%Revenue (TTM): 288.02%FCF (TTM): -129.96%P/E: 0th pct
What changed
The stock rose 33.63% over the last year. Revenue grew 288.02% over the trailing twelve months. Operating margin moved from -272.14% to -5.37%. Free cash flow declined 129.96% over the trailing twelve months.
What the market seems to be pricing
The stock move broadly lines up with stronger business momentum, and the shares are still only around the 0th percentile of their historical P/E range.
What would invalidate this read
Operating margin is at -5.37%. Revenue grew 288.02% — this thesis depends on that trajectory holding. Despite the price move, free cash flow fell 129.96%, which is worth watching as a leading indicator of future pressure. If revenue growth, margins, or free cash flow roll over while the stock keeps climbing, more of the move would be coming from multiple expansion than business progress.
Company profile
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.
CEOJessica Elizabeth Buss
SectorFinancial Services
IndustryFinancial - Credit Services
Employees205
IPO dateMar 26, 2018
Valuation
Forward P/E—
EV/EBITDA11.34
Enterprise value$95.27M
Price / Book2.71
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Revenue growth-133.98%
Gross margin75.52%▲10636.15%vs FY2024
Operating margin-5.37%▲102.36%vs FY2024
ROE-5.65%▲96.73%vs FY2024
Analyst consensus
RatingHold
Target price$4.00▲133.13%
5
Buy
7
Hold
0
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
May 7, 2026
Q2 FY26 · EPS est $0.01 · Revenue est $20.41M
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