/LPRO
LPRO Stock - Open Lending Corporation
Financial Services|Financial - Credit ServicesNASDAQ
$1.61-4.73%
$0.08 (-4.73%) • Dec 19
54
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.7
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).100
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.39
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+1235.4%upside
Target: $21.50
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ENTRY ZONE$1.59 – $1.63
TARGET (TP)$21.50
STOP LOSS$1.48
RISK/REWARD1:153.0
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta2.04
52W High$6.73
52W Low$0.70
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $24.02M | $117.46M | $179.59M | $215.66M | $108.89M |
| Gross Profit | $169,000 | $95.18M | $159.63M | $197.03M | $99.11M |
| Gross Margin | 0.7% | 81.0% | 88.9% | 91.4% | 91.0% |
| Operating Income | $-65,378,000 | $29.07M | $97.61M | $150.29M | $56.72M |
| Net Income | $-135,010,000 | $22.07M | $66.62M | $146.08M | $-97,564,000 |
| Net Margin | -562.0% | 18.8% | 37.1% | 67.7% | -89.6% |
| EPS | $-1.13 | $0.18 | $0.53 | $1.16 | $-1.18 |
Company Overview
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.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
3
27%
Hold / Neutral
8
73%
Sell / Underperform
0%
Analyst Consensus🔴 Bearish
3 Bullish8 Neutral/Bearish
Price Targets
$8
Average Target
↑ 374.1% Upside
Now
$3
Low
$8
Average
$13
High
Based on 9 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| June 12th 2025 | Stephens | Initiation | Equal Weight | $2.5 |
| April 4th 2025 | Citizens JMP | Resumed | Market Perform | - |
| March 20th 2025 | Jefferies | Downgrade | Hold | $3.7← $8 |
| January 29th 2025 | Needham | Upgrade | Buy | $7 |
| July 22nd 2024 | Needham | Downgrade | Hold | - |
| June 7th 2024 | BTIG Research | Initiation | Neutral | - |
| February 6th 2024 | Morgan Stanley | Upgrade | Equal Weight | $7← $4 |
| November 8th 2023 | Canaccord Genuity | Downgrade | Hold | $5.5← $20 |
| June 14th 2023 | BTIG Research | Initiation | Neutral | - |
| May 25th 2023 | Needham | Resumed | Buy | $13 |
| February 27th 2023 | Raymond James | Downgrade | Outperform | $9← $10 |
| August 5th 2022 | Stephens | Downgrade | Equal Weight | $13← $22 |
| July 25th 2022 | Morgan Stanley | Downgrade | Underweight | $8← $14 |
Earnings History & Surprises
LPROBeat Rate
47%
Last 19 quarters
Avg Surprise
-143.5%
EPS vs Estimate
Beats / Misses
9/8
2 met exactly
Latest EPS
$0.03
Q4 2025
EPS Surprise History
Q1 24
-180.0%
$-0.04vs$0.05
Q2 24
-20.0%
$0.04vs$0.05
Q3 24
-60.0%
$0.02vs$0.05
Q4 24
-80.0%
$0.01vs$0.05
Q1 25
-2550.0%
$-0.49vs$0.02
Q2 25
0.0%
$0.01vs$0.01
Q3 25
-50.0%
$0.01vs$0.02
Q4 25
+200.0%
$0.03vs$0.01
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q1 2026 | Mar 30, 2026 | $0.02 | — | — | — |
Q4 2025 | Nov 6, 2025 | $0.01 | $0.03 | +200.0% | ✓ BEAT |
Q3 2025 | Aug 6, 2025 | $0.02 | $0.01 | -50.0% | ✗ MISS |
Q2 2025 | May 7, 2025 | $0.01 | $0.01 | 0.0% | = MET |
Q1 2025 | Mar 31, 2025 | $0.02 | $-0.49 | -2550.0% | ✗ MISS |
Q4 2024 | Nov 7, 2024 | $0.05 | $0.01 | -80.0% | ✗ MISS |
Q3 2024 | Aug 8, 2024 | $0.05 | $0.02 | -60.0% | ✗ MISS |
Q2 2024 | May 7, 2024 | $0.05 | $0.04 | -20.0% | ✗ MISS |
Q1 2024 | Feb 27, 2024 | $0.05 | $-0.04 | -180.0% | ✗ MISS |
Q4 2023 | Nov 7, 2023 | $0.07 | $0.02 | -71.4% | ✗ MISS |
Q3 2023 | Aug 8, 2023 | $0.09 | $0.09 | 0.0% | = MET |
Q2 2023 | May 9, 2023 | $0.06 | $0.10 | +66.7% | ✓ BEAT |
Q1 2023 | Feb 23, 2023 | $0.11 | $-0.03 | -127.3% | ✗ MISS |
Q4 2022 | Nov 3, 2022 | $0.15 | $0.19 | +26.7% | ✓ BEAT |
Q3 2022 | Aug 4, 2022 | $0.17 | $0.18 | +5.9% | ✓ BEAT |
Q2 2022 | May 5, 2022 | $0.17 | $0.18 | +5.9% | ✓ BEAT |
Q1 2022 | Feb 24, 2022 | $0.16 | $0.23 | +43.8% | ✓ BEAT |
Q4 2021 | Nov 9, 2021 | $0.21 | $0.23 | +9.5% | ✓ BEAT |
Q3 2021 | Aug 10, 2021 | $0.17 | $0.25 | +47.1% | ✓ BEAT |
Q2 2021 | May 11, 2021 | $0.14 | $0.15 | +7.1% | ✓ BEAT |
Latest News
DA Davidson Maintains Buy on Open Lending, Maintains $4 Price Target
📈 PositiveBenzinga•Nov 11, 2025, 07:11 PM
Open Lending Q3 EPS $(0.06) Misses $0.01 Estimate, Sales $24.169M Beat $21.863M Estimate
➖ NeutralBenzinga•Nov 6, 2025, 09:13 PM
Open Lending Corporation GAAP EPS of $0.01 in-line, revenue of $24.4M misses by $0.22M
📉 NegativeSeeking Alpha•May 7, 2025, 10:19 PM
Frequently Asked Questions about LPRO
What is LPRO's current stock price?
Open Lending Corporation (LPRO) is currently trading at $1.61 per share. The stock has moved -4.73% today.
What is the analyst price target for LPRO?
The average analyst price target for LPRO is $21.50, based on 1 analyst.
What sector is Open Lending Corporation in?
Open Lending Corporation operates in the Financial Services sector, specifically within the Financial - Credit Services industry. The company is traded on the NASDAQ exchange.
What is LPRO's market cap?
Open Lending Corporation has a market capitalization of $0.19 billion, making it a small-cap company.
Does LPRO pay dividends?
No, Open Lending Corporation does not currently pay a dividend to shareholders.
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