Open Lending Corporation

NasdaqGM:LPRO Stock Report

Market Cap: US$101.9m

Open Lending Balance Sheet Health

Financial Health criteria checks 3/6

Open Lending has a total shareholder equity of $78.1M and total debt of $139.7M, which brings its debt-to-equity ratio to 178.9%. Its total assets and total liabilities are $296.4M and $218.3M respectively.

Key information

178.9%

Debt to equity ratio

US$139.72m

Debt

Interest coverage ration/a
CashUS$243.16m
EquityUS$78.09m
Total liabilitiesUS$218.28m
Total assetsUS$296.37m

Recent financial health updates

Recent updates

Open Lending Corporation's (NASDAQ:LPRO) Share Price Is Still Matching Investor Opinion Despite 27% Slump

Mar 05
Open Lending Corporation's (NASDAQ:LPRO) Share Price Is Still Matching Investor Opinion Despite 27% Slump

Investors Appear Satisfied With Open Lending Corporation's (NASDAQ:LPRO) Prospects

Jan 14
Investors Appear Satisfied With Open Lending Corporation's (NASDAQ:LPRO) Prospects

Things Look Grim For Open Lending Corporation (NASDAQ:LPRO) After Today's Downgrade

Nov 13
Things Look Grim For Open Lending Corporation (NASDAQ:LPRO) After Today's Downgrade

Earnings Miss: Open Lending Corporation Missed EPS By 78% And Analysts Are Revising Their Forecasts

Nov 10
Earnings Miss: Open Lending Corporation Missed EPS By 78% And Analysts Are Revising Their Forecasts
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Innovative Underwriting And Decisive Partnerships Fuel Optimistic Revenue And Profit Growth

Sep 18 Enhanced underwriting and a new scorecard are poised to improve loan performance, reducing delinquencies and defaults, enhancing future revenue and margins.

Open Lending Corporation Just Missed Earnings - But Analysts Have Updated Their Models

Aug 14
Open Lending Corporation Just Missed Earnings - But Analysts Have Updated Their Models

Open Lending Corporation's (NASDAQ:LPRO) Stock Retreats 27% But Earnings Haven't Escaped The Attention Of Investors

Apr 13
Open Lending Corporation's (NASDAQ:LPRO) Stock Retreats 27% But Earnings Haven't Escaped The Attention Of Investors

There's Reason For Concern Over Open Lending Corporation's (NASDAQ:LPRO) Price

Feb 06
There's Reason For Concern Over Open Lending Corporation's (NASDAQ:LPRO) Price

These Analysts Think Open Lending Corporation's (NASDAQ:LPRO) Sales Are Under Threat

Nov 09
These Analysts Think Open Lending Corporation's (NASDAQ:LPRO) Sales Are Under Threat

Improved Earnings Required Before Open Lending Corporation (NASDAQ:LPRO) Shares Find Their Feet

Dec 21
Improved Earnings Required Before Open Lending Corporation (NASDAQ:LPRO) Shares Find Their Feet

Some Open Lending Corporation (NASDAQ:LPRO) Analysts Just Made A Major Cut To Next Year's Estimates

Nov 07
Some Open Lending Corporation (NASDAQ:LPRO) Analysts Just Made A Major Cut To Next Year's Estimates

Open Lending appoints Keith Jezek as CEO

Oct 06

News Flash: 11 Analysts Think Open Lending Corporation (NASDAQ:LPRO) Earnings Are Under Threat

Aug 06
News Flash: 11 Analysts Think Open Lending Corporation (NASDAQ:LPRO) Earnings Are Under Threat

Open Lending stock slides 9% after Morgan Stanley downgrades on headwinds

Jul 25

JMP cuts PT on Open Lending, reiterates Market Outperform rating

Jul 13

Financial Position Analysis

Short Term Liabilities: LPRO's short term assets ($275.7M) exceed its short term liabilities ($47.3M).

Long Term Liabilities: LPRO's short term assets ($275.7M) exceed its long term liabilities ($171.0M).

Debt to Equity History and Analysis

Debt Level: LPRO has more cash than its total debt.

Reducing Debt: LPRO's debt to equity ratio has increased from 4.7% to 178.9% over the past 5 years.

Debt Coverage: LPRO's debt is not well covered by operating cash flow (12.6%).

Interest Coverage: Insufficient data to determine if LPRO's interest payments on its debt are well covered by EBIT.

Balance Sheet

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/04/17 14:44
End of Day Share Price 2025/04/17 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Open Lending Corporation is covered by 13 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Randolph BinnerB. Riley Securities, Inc.
Vincent CainticBTIG
Lance JessurunBTIG