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MARKETS / NASDAQ / LPRO
NASDAQ · PERSONAL CREDIT INSTITUTIONS · SMALL CAP

Open Lending Corp. LPRO

8 fiscal years on record · USD · FY2025 reported · SEC filings only
$93.2M
▲ 288.0% YoY
$-4.2M
$-3.2M
▼ 118.6% YoY
Growth
USD 93.2M
Revenue, FY2025 · full 8-year series below
Revenue $M Net income $M
FY2025 · Revenue 93.2 · Net income -4.2
80M160M-50M-100M20182019202020212022202320242025
Compound annual growth
−19.6%
−3.1%
−35.3%
−51.0%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at −3.1% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
−5 cents
lost on every revenue dollar
Operating margin Net margin
FY2025 · Operating -5.4% · Net -4.5%
20%40%60%-200%-400%20182019202020212022202320242025
ROE
FY2025 · ROE -5.5%
50%100%150%-50%20182019202020212022202320242025

Each USD of equity lost 6 cents this year.

Cash & shareholders
USD 4.9M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF -3.2
40M80M20182019202020212022202320242025
Net buybacks $M Dividends $M
FY2025 · Dividends — · Net buybacks 4.9
80M160MDividendsNet buybacks20182019202020212022202320242025

USD 4.9M in buybacks went back to shareholders in a year without profit.

Total assetsUSD 236.7M
EquityUSD 75.0M
CashUSD 176.6M
Gross debtUSD 84.8M
Net debtUSD -91.8M
Current ratio4.52×

The company holds more cash than debt.

The 8-year record
8 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 20252024202320222021202020192018
Revenue $B0.10.00.10.20.20.10.10.1
Operating income $B−0.0−0.10.00.10.20.10.10.0
EBITDA $B−0.0−0.10.00.10.20.10.10.0
Income tax $B−0.00.10.00.00.00.0−0.00.0
Net income $B−0.0−0.10.00.10.1−0.10.10.0
Free cash flow $B−0.00.00.10.10.10.00.00.0
EPS, diluted $−0.04−1.130.180.531.16−1.09−2.97−1.17
Dividend / sh $········
Payout %···00−1396867
ROE %−5.5−95.210.535.8157.4···
Shares out B0.120.120.120.120.130.020.04·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 38 reconciliationsAUDITED

Reconciled in 8 of 19 fiscal years. 57 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityPersonal Credit Institutions
Listed onNASDAQ
Incorporated innot stated in the filings
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2018

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