OPEN LENDING CORPORATION financials

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LPRO CIK 0001806201

Source: EDGAR filings · Built 2026-06-02T03:28:41Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow -3.25M 17.43M 82.53M 107.19M 95.05M 23.44M
EBITDA -2.60M -63.70M 30.23M 98.53M 150.81M 58.03M
Working Capital 173.43M 228.47M 269.29M 265.64M 190.73M 145.77M
Net Debt -88.57M -99.39M -92.08M -52.37M 34.94M 61.74M
Gross Margin 76.88% 0.70% 81.03% 88.88% 91.37% 91.01%
Operating Margin -5.37% -272.14% 24.75% 54.35% 69.69% 52.09%
Net Margin -4.54% -561.98% 18.79% 37.09% 67.74% -89.60%
Return on Equity (ROE) -5.65% -172.90% 10.74% 31.30% 91.89% -366.48%
Return on Assets (ROA) -1.79% -45.55% 5.90% 17.55% 45.82% -33.18%
Current Ratio 4.52× 5.84× 14.08× 18.58× 16.81× 9.57×
Debt-to-Equity 1.17× 1.84× 0.72× 0.71× 0.95× 6.13×
Effective Tax Rate 21.10% -108.98% 23.52% 28.78% 23.58% -7.22%
Cash Conversion Ratio 0.75× -0.13× 3.75× 1.61× 0.65× -0.25×
Accruals Ratio -0.00× -0.51× -0.16× -0.11× 0.16× -0.42×
SBC % of Revenue 7.56% 36.12% 8.08% 3.03% 1.77% 2.60%
CapEx Coverage -57.04× 106.65× 672.02× 451.39× 857.26× 20.60×
Free Cash Flow Per Share $-0.03 $0.15 $0.68 $0.85 $0.75 $0.28

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) — — 47.28× 12.74× 19.38× —
P/FCF — 40.81× 12.53× 7.95× 29.89× 123.62×
FCF Yield — 2.45% 7.98% 12.58% 3.35% 0.81%
EV / EBITDA — — 30.40× 7.94× 19.04× 77.46×
P/S 1.96× 29.66× 8.61× 4.65× 13.16× 40.71×
P/B 2.43× 9.12× 4.92× 3.92× 17.85× 166.52×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue from Contract with Customer, Excluding Assessed Tax 93.22M 24.02M 117.46M 179.59M 215.66M 108.89M
Cost of Goods and Services Sold 21.55M 23.86M 22.28M 19.97M 18.62M 9.79M
Cost of Revenue — 23.86M 22.28M 19.97M 18.62M 9.79M
Gross Profit 71.66M 169.00K 95.18M 159.63M 197.03M 99.11M
Research and Development Expense 8.78M 4.46M 5.58M 8.21M 4.35M 1.96M
Operating Expenses 76.67M 65.55M 66.10M 62.01M 46.74M 42.39M
Operating Income (Loss) -5.01M -65.38M 29.07M 97.61M 150.29M 56.72M
Income Tax Expense (Benefit) -1.13M 70.41M 6.79M 26.92M 45.09M 6.57M
Net Income (Loss) Attributable to Parent -4.24M -135.01M 22.07M 66.62M 146.08M -97.56M
Earnings Per Share, Basic $-0.04 $-1.13 $0.18 $0.53 $1.16 $-1.09
Weighted Average Number of Shares Outstanding, Basic 118.60M 119.18M 120.83M 126.11M 126.35M 82.91B
Earnings Per Share, Diluted $-0.04 $-1.13 $0.18 $0.53 $1.16 $-1.09
Weighted Average Number of Shares Outstanding, Diluted 118.60M 119.18M 121.47M 126.26M 126.39M 82.91M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value 176.61M 243.16M 240.21M 204.45M 116.45M 101.51M
Assets, Current 222.69M 275.73M 289.88M 280.74M 202.79M 162.78M
Assets 236.68M 296.37M 374.04M 379.63M 318.82M 294.01M
Long-term Debt 84.77M 139.72M 144.04M 147.43M 146.26M 157.75M
Liabilities, Current 49.26M 47.25M 20.59M 15.11M 12.06M 17.01M
Long-term Debt, Excluding Current Maturities 77.27M 132.22M 139.36M 143.68M 143.13M 152.86M
Liabilities 161.72M 218.28M 168.46M 166.81M 159.84M 267.39M
Stockholders' Equity Attributable to Parent 74.96M 78.09M 205.58M 212.82M 158.98M 26.62M
Common Stock, Shares, Outstanding 117.66M 119.35M 118.82M 123.65M 126.21M 126.80M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities -3.19M 17.60M 82.66M 107.43M 95.16M 24.64M
Payments to Acquire Property, Plant, and Equipment 56.00K 165.00K 123.00K 238.00K 111.00K 1.20M
Net Cash Provided by (Used in) Investing Activities -1.03M -3.90M -2.18M -624.00K -1.99M -1.20M
Payments for Repurchase of Common Stock 4.89M 0 37.32M 18.02M 20.00M 37.50M
Payments of Dividends — — — 0 0 135.60M
Net Cash Provided by (Used in) Financing Activities -61.48M -6.45M -42.33M -17.80M -77.81M 70.81M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

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Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (LPRO CIK 0001806201), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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