LPRO

Company Overview — What Does Open Lending Corp Do?

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. Open Lending Corp (LPRO) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Keith A. Jezek and employs approximately 180 people. With a market capitalization of $146M, LPRO is one of the notable companies in the Financials sector.

Open Lending Corp (LPRO) Stock Rating — Reduce (April 2026)

As of April 2026, Open Lending Corp receives a Reduce rating with a composite score of 29.4/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.LPRO ranks #3,708 out of 4,446 stocks in our coverage universe. Within the Financials sector, Open Lending Corp ranks #819 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

LPRO Stock Price and 52-Week Range

Open Lending Corp (LPRO) currently trades at $1.44. The stock lost $0.02 (1.4%) in the most recent trading session. The 52-week high for LPRO is $3.43, which means the stock is currently trading -58.0% from its annual peak. The 52-week low is $0.70, putting the stock 105.7% above its annual trough. Recent trading volume was 599K shares, suggesting relatively thin trading activity.

Is LPRO Overvalued or Undervalued? — Valuation Analysis

Open Lending Corp (LPRO) carries a value factor score of 32/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-book ratio stands at 1.98x, versus the sector average of 1.22x. The price-to-sales ratio is 1.52x, compared to 0.90x for the average Financials stock.

At current multiples, Open Lending Corp trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

Open Lending Corp Profitability — ROE, Margins, and Quality Score

Open Lending Corp (LPRO) earns a quality factor score of 35/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -6.0%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -1.9% versus the sector average of 1.2%.

On a margin basis, Open Lending Corp reports gross margins of 76.3%. The operating margin is -4.0% (sector: 21.8%). Net profit margin stands at -4.6%, versus 17.7% for the average Financials stock. Revenue growth is running at -9.6% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

LPRO Debt, Balance Sheet, and Financial Health

Open Lending Corp has a debt-to-equity ratio of 113.0%, compared to the Financials sector average of 121.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 4.52x, indicating strong short-term liquidity. Total debt on the balance sheet is $85M. Cash and equivalents stand at $222M.

LPRO has a beta of 1.39, meaning it is more volatile than the broader market — a $10,000 investment in LPRO would be expected to move 38.5% more than the S&P 500 on any given day. The stability factor score for Open Lending Corp is 20/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.

Open Lending Corp Revenue and Earnings History — Quarterly Trend

In TTM 2026, Open Lending Corp reported revenue of $97M and earnings per share (EPS) of $-0.04. Net income for the quarter was $-4M. Gross margin was 76.3%. Operating income came in at $-4M.

In FY 2025, Open Lending Corp reported revenue of $93M and earnings per share (EPS) of $-0.04. Net income for the quarter was $-4M. Gross margin was 76.9%. Revenue grew 288.0% year-over-year compared to FY 2024. Operating income came in at $-5M.

In Q3 2025, Open Lending Corp reported revenue of $24M and earnings per share (EPS) of $-0.06. Net income for the quarter was $-8M. Gross margin was 78.0%. Revenue grew 3.0% year-over-year compared to Q3 2024. Operating income came in at $-8M.

In Q2 2025, Open Lending Corp reported revenue of $25M and earnings per share (EPS) of $0.01. Net income for the quarter was $1M. Gross margin was 78.2%. Revenue grew -5.3% year-over-year compared to Q2 2024. Operating income came in at $1M.

Over the past 8 quarters, Open Lending Corp has demonstrated a growth trajectory, with revenue expanding from $27M to $97M. Investors analyzing LPRO stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

LPRO Dividend Yield and Income Analysis

Open Lending Corp (LPRO) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

LPRO Momentum and Technical Analysis Profile

Open Lending Corp (LPRO) has a momentum factor score of 14/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 36/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 50/100 reflects moderate short selling activity.

LPRO vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Open Lending Corp (LPRO) ranks #819 out of 891 stocks based on the Blank Capital composite score. This places LPRO in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing LPRO against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full LPRO vs S&P 500 (SPY) comparison to assess how Open Lending Corp stacks up against the broader market across all factor dimensions.

LPRO Next Earnings Date

No upcoming earnings date has been announced for Open Lending Corp (LPRO) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy LPRO? — Investment Thesis Summary

The quantitative profile for Open Lending Corp suggests caution. The quality score of 35/100 flags below-average profitability. The value score of 32/100 indicates premium valuation. Momentum is weak at 14/100, a headwind for near-term performance. High volatility (stability score 20/100) increases portfolio risk.

In summary, Open Lending Corp (LPRO) earns a Reduce rating with a composite score of 29.4/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on LPRO stock.

Related Resources for LPRO Investors

Explore more research and tools: LPRO vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare LPRO head-to-head with peers: LPRO vs WTM, LPRO vs OPY, LPRO vs ACT.