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Overview
Profile

Open Lending stock

LPRO
US68373J1043
A2P58D

Price

5.10
Today +/-
-0.18
Today %
-3.47 %

Open Lending stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Open Lending stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Open Lending stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Open Lending stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Open Lending's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Open Lending Stock Price History

DateOpen Lending Price
1/16/20255.10 undefined
1/15/20255.28 undefined
1/14/20255.13 undefined
1/13/20255.15 undefined
1/10/20255.17 undefined
1/8/20255.46 undefined
1/7/20255.55 undefined
1/6/20255.61 undefined
1/3/20255.84 undefined
1/2/20255.71 undefined
12/31/20245.97 undefined
12/30/20245.78 undefined
12/27/20245.88 undefined
12/26/20245.95 undefined
12/24/20245.86 undefined
12/23/20245.72 undefined
12/20/20245.87 undefined

Open Lending Revenue, EBIT, Net Income

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

ⓘ

Understanding Revenue, EBIT, and Income

Gain insights into Open Lending, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Open Lending from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Open Lending’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Open Lending. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Open Lending’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Open Lending’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Open Lending’s growth potential.

Open Lending Revenue, EBIT and net profit per share

DateOpen Lending RevenueOpen Lending EBITOpen Lending Net Income
2029e197.88 M undefined0 undefined0 undefined
2028e193.8 M undefined0 undefined0 undefined
2027e190.74 M undefined0 undefined0 undefined
2026e147.45 M undefined49.93 M undefined37.54 M undefined
2025e122.43 M undefined31.44 M undefined23.98 M undefined
2024e107.07 M undefined18.74 M undefined11.77 M undefined
2023117.46 M undefined29.08 M undefined22.07 M undefined
2022179.6 M undefined97.6 M undefined66.6 M undefined
2021215.7 M undefined150.3 M undefined146.1 M undefined
2020108.9 M undefined56.7 M undefined-90.7 M undefined
20190 undefined-2.2 M undefined2.6 M undefined
20180 undefined-600,000 undefined2.7 M undefined
20170 undefined0 undefined0 undefined

Open Lending Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)NET INCOME (M)NET INCOME GROWTH (%)SHARES (M)DOCUMENTS
20172018201920202021202220232024e2025e2026e2027e2028e2029e
000108215179117107122147190193197
----99.07-16.74-34.64-8.5514.0220.4929.251.582.07
---91.6791.6388.8381.2088.7977.8764.6350.0049.2248.22
0009919715995000000
022-901466622112337000
----4,600.00-262.22-54.79-66.67-50.00109.0960.87---
31.334.46.982.9126.4126.3121.47000000
-------------
Details

Keystats

ⓘ

Revenue and Growth

The Open Lending Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Open Lending is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (M)TOTAL ASSETS (M)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (M)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (M)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (k)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (M)TOTAL CAPITAL (M)
2017201820192020202120222023
             
01.21.3101.5116.5204.5240.21
00054.777.160.233.32
00001.39.77.04
0000000
000.16.67.96.49.32
01.21.4162.8202.8280.8289.88
0006.97.97.27.9
0278.3281.20000
0003942.4210.61
0000000
0000000
0.20085.365.870.775.65
0.2278.3281.2131.2116.198.984.16
0.2279.5282.6294318.9379.7374.04
             
0264.5267.11.31.31.31.28
02.30491.2497499.6502.03
02.75-428.4-282.4-215.8-193.75
0000000
0000000
0269.5272.164.1215.9285.1309.56
000.73.41.30.30.38
0003.44.56.98.76
00.40.25.33.24.16.76
200000000
0004.93.13.84.69
0.20.40.91712.115.120.59
000152.9143.1143.7139.36
0000000
09.69.697.54.688.51
09.69.6250.4147.7151.7147.87
0.21010.5267.4159.8166.8168.46
0.2279.5282.6331.5375.7451.9478.02
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Open Lending provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Open Lending's financial health and stability.

Assets

Open Lending's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Open Lending must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Open Lending after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Open Lending's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (k)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
2017201820192020202120222023
022-971466622
0001,0001,0001,0001,000
0004200-4
000-19-293353
0-1-3137-381120
000105310
001025369
0-1-2249510782
000-1-200
0-2742-1-20-2
0-2742000-2
0000000
000163-191-3
0269067-20-18-37
0276070-77-17-42
070-24-38-1-1
000-135000
01094158938
0-1.1-2.823.493.2106.882.54
0000000

Open Lending stock margins

The Open Lending margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Open Lending. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Open Lending.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Gross margin
EBIT margin
Profit margin
Details

Margin

ⓘ

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Open Lending's sales revenue. A higher gross margin percentage indicates that the Open Lending retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Open Lending's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Open Lending's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Open Lending's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Open Lending. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Open Lending's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Open Lending Margin History

Open Lending Gross marginOpen Lending Profit marginOpen Lending EBIT marginOpen Lending Profit margin
2029e81.03 %0 %0 %
2028e81.03 %0 %0 %
2027e81.03 %0 %0 %
2026e81.03 %33.87 %25.46 %
2025e81.03 %25.68 %19.59 %
2024e81.03 %17.5 %10.99 %
202381.03 %24.75 %18.79 %
202288.86 %54.34 %37.08 %
202191.33 %69.68 %67.73 %
202091 %52.07 %-83.29 %
201981.03 %0 %0 %
201881.03 %0 %0 %
201781.03 %0 %0 %

Open Lending Stock Sales Revenue, EBIT, Earnings per Share

The Open Lending earnings per share therefore indicates how much revenue Open Lending has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Open Lending earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Open Lending's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Open Lending’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Open Lending's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Open Lending Revenue, EBIT and net profit per share

DateOpen Lending Sales per ShareOpen Lending EBIT per shareOpen Lending Earnings per Share
2029e1.66 undefined0 undefined0 undefined
2028e1.62 undefined0 undefined0 undefined
2027e1.6 undefined0 undefined0 undefined
2026e1.24 undefined0 undefined0.31 undefined
2025e1.03 undefined0 undefined0.2 undefined
2024e0.9 undefined0 undefined0.1 undefined
20230.97 undefined0.24 undefined0.18 undefined
20221.42 undefined0.77 undefined0.53 undefined
20211.71 undefined1.19 undefined1.16 undefined
20201.31 undefined0.68 undefined-1.09 undefined
20190 undefined-0.32 undefined0.38 undefined
20180 undefined-0.02 undefined0.08 undefined
20170 undefined0 undefined0 undefined

Open Lending business model

Open Lending Corp is a US-based company founded in 2000 and headquartered in Austin, Texas. The company specializes in providing innovative and unique solutions in the field of lending as a technology company. Open Lending's business model is focused on strengthening and supporting the growth of American community banks, credit unions, and other financial institutions. The company offers specially tailored technology solutions and various services to help its customers in the lending business. With these solutions, Open Lending facilitates the lending process and improves the chances of these customers in lending to borrowers without lending experience. The company offers various divisions, including: 1. Lenders Protection Lenders Protection is a program by Open Lending that provides extended protection against credit losses to the company's customers. The credit loss protection allows customers to minimize losses in lending and further reduce economic risk. 2. Loan Analytics Open Lending's Loan Analytics division analyzes and examines credit portfolios to provide accurate predictions and recommendations. The data and information are processed using proprietary algorithms and APIs. 3. Contactless F&I Platform Open Lending also has a novel and unique platform that allows customers to easily and quickly conduct their financial transactions. 4. Loan Exchange The Loan Exchange is another business area of Open Lending. It is an online marketplace where entrepreneurs and lenders can exchange and trade their credit portfolios. Open Lending offers various products tailored to the needs of community banks, credit unions, and financial service providers. These products include: 1. Lenders Protection Lenders Protection is a credit loss protection program that provides extended protection to Open Lending's customers. It is the most advanced way to minimize credit losses and maximize returns. 2. Loan Analytics Open Lending offers a unique loan portfolio analysis and evaluation software with Loan Analytics. The software uses extensive data analysis to create long-term forecasts, mainly taking risks into account. 3. Contactless F&I Platform With the Contactless F&I platform, customers can conduct their financial transactions more conveniently and efficiently. The software is easy to use and provides support in many ways. 4. Loan Exchange The Loan Exchange allows companies to exchange and trade credit portfolios. It is an online marketplace where users can offer and request their loans to other users. Open Lending is one of the leading companies in the lending business, offering specialized technology solutions that make the lending process easier, more efficient, and faster. The unique products and services of Open Lending make lending easier and fairer, benefiting both borrowers and lenders in the end. Open Lending is one of the most popular companies on Eulerpool.com.

Open Lending SWOT Analysis

Strengths

Open Lending Corp possesses several strengths that contribute to its success:

  • A proven track record in the lending industry.
  • Robust technology platform enabling efficient operations.
  • Strong relationships with financial institutions.
  • Ability to adapt quickly to market changes.
  • Innovative offerings that address market demands.

Weaknesses

Despite its strengths, Open Lending Corp faces certain weaknesses that need to be addressed:

  • Dependency on a limited number of key clients.
  • Relatively small market share compared to larger competitors.
  • Limited geographical presence.
  • Potential vulnerability to economic downturns.
  • Dependency on technology infrastructure for operations.

Opportunities

Open Lending Corp can leverage the following opportunities in the market:

  • Growing demand for innovative lending solutions.
  • Expansion into new regions and markets.
  • Strategic partnerships with financial institutions.
  • Rising demand for automotive financing.
  • Increasing adoption of digital lending platforms.

Threats

Open Lending Corp should be aware of the following potential threats:

  • Intense competition from established players.
  • Changing regulatory environment.
  • Fluctuating interest rates impacting borrowing trends.
  • Risk of cybersecurity breaches.
  • Economic uncertainties affecting consumer spending.

Open Lending Revenue by Segment

  • 3 years

  • Max

Details

Revenue by Segment

ⓘ

Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

Open Lending Revenue by Segment

Segmente2023202220212020
Profit share43.3 M USD90.06 M USD133.22 M USD60.39 M USD
Program fees64.09 M USD80.61 M USD75.63 M USD44 M USD
Claims administration and other service fees10.07 M USD8.93 M USD6.81 M USD-
Claims administration service fees---4.51 M USD
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Open Lending Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Open Lending historical P/E ratio, EBIT multiple, and P/S ratio

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Open Lending shares outstanding

The number of shares was Open Lending in 2024 — This indicates how many shares 121.475 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Open Lending earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Open Lending's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Open Lending’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Open Lending's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

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Unfortunately, there are currently no price targets and forecasts available for Open Lending.

Open Lending latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20240.05 0.01  (-78.81 %)2024 Q3
6/30/20240.05 0.02  (-57.98 %)2024 Q2
3/31/20240.05 0.04  (-19.84 %)2024 Q1
12/31/20230.04 -0.04  (-189.09 %)2023 Q4
9/30/20230.07 0.02  (-71.31 %)2023 Q3
6/30/20230.09 0.09  (-1.1 %)2023 Q2
3/31/20230.07 0.1  (51.75 %)2023 Q1
12/31/20220.1 -0.03  (-129.15 %)2022 Q4
9/30/20220.15 0.19  (23.46 %)2022 Q3
6/30/20220.18 0.18  (1.64 %)2022 Q2
1
2

Eulerpool ESG Scorecard© for the Open Lending stock

Eulerpool World ESG Rating (EESG©)

17/ 100

🌱 Environment

3

👫 Social

27

🏛️ Governance

20

Environment

Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Open Lending shareholders

%
Name
Stocks
Change
Date
13.74764 % Wasatch Global Investors Inc16,407,811313,6966/30/2024
8.76435 % T. Rowe Price Associates, Inc.10,460,253-11,7246/30/2024
8.19250 % The Vanguard Group, Inc.9,777,750352,8176/30/2024
7.62439 % Working Capital Advisors (UK) Limited9,099,7081,635,7176/30/2024
6.33814 % Bregal Sagemount7,564,56603/28/2024
6.32186 % True Wind Capital Management, L.P.7,545,14406/30/2024
5.58610 % BlackRock Institutional Trust Company, N.A.6,667,014334,0256/30/2024
2.20176 % Cannell Capital, LLC2,627,800128,9916/30/2024
2.07988 % State Street Global Advisors (US)2,482,3336,9316/30/2024
1.92816 % Flynn (John Joseph)2,301,26210,1625/22/2024
1
2
3
4
5
...
10

Open Lending Executives and Management Board

Mr. Keith Jezek

(59)
Open Lending Chief Executive Officer, Director
Compensation 6.65 M

Mr. Charles Jehl

(54)
Open Lending Chief Financial Officer
Compensation 4.21 M

Mr. John Flynn

(67)
Open Lending Director (since 2000)
Compensation 2.57 M

Mr. Matthew Stark

(50)
Open Lending General Counsel, Company Secretary
Compensation 1.35 M

Mr. Matthew Roe

(40)
Open Lending Chief Revenue Officer
Compensation 1.14 M
1
2
3
4

Most common questions regarding Open Lending

What values and corporate philosophy does Open Lending represent?

Open Lending Corp represents a set of core values and a corporate philosophy that focuses on delivering innovative solutions in automotive lending. The company takes pride in its commitment to customer satisfaction, transparency, and fostering lasting partnerships. Open Lending Corp operates with integrity, accountability, and a strong sense of social responsibility, ensuring fair and ethical business practices. By providing technology-driven lending solutions and exceptional customer service, they strive to empower lenders and increase access to credit. Open Lending Corp's dedication to excellence, trust, and teamwork enables them to consistently meet the evolving needs of their customers in the automotive lending industry.

In which countries and regions is Open Lending primarily present?

Open Lending Corp is primarily present in the United States.

What significant milestones has the company Open Lending achieved?

Open Lending Corp has achieved significant milestones in its journey. The company has successfully pioneered the automated lending platform in the automotive industry. Open Lending Corp has partnered with leading financial institutions, empowering them to increase loan volume and profitability while minimizing risk. By leveraging advanced data analytics and proprietary technology, the company has played a crucial role in enabling lenders to approve more loans and support credit-challenged consumers. Open Lending Corp's innovative solutions have revolutionized the lending landscape, providing unparalleled opportunities for growth and success.

What is the history and background of the company Open Lending?

Open Lending Corp, founded in 2000, is a leading technology and lending company operating in the automotive finance industry. With a focus on loan origination and risk analytics solutions, the company enables financial institutions to provide auto loans to consumers across the United States. Open Lending Corp has established itself as a trusted partner, serving over 500 lenders with customized lending solutions. Their proprietary Lenders Protection™ program offers advanced analytics and access to unique data sources, enhancing the auto lending process. Open Lending Corp's innovative approach has positioned it as a prominent player in the industry, delivering value to both lenders and borrowers.

Who are the main competitors of Open Lending in the market?

The main competitors of Open Lending Corp in the market include companies such as Credit Acceptance Corp, Enova International Inc, and Ally Financial Inc.

In which industries is Open Lending primarily active?

Open Lending Corp is primarily active in the financial services industry.

What is the business model of Open Lending?

Open Lending Corp is a financial technology company that operates with a unique business model. Their primary focus revolves around providing automated lending services to automotive lenders, utilizing advanced data analytics and risk modeling techniques. By partnering with financial institutions, Open Lending allows lenders to extend loans to credit-challenged borrowers while mitigating risk through insurance coverage. This innovative approach bridges the gap between borrowers and lenders, enabling increased lending volumes and improved profitability. Open Lending Corp's business model fosters financial inclusion by providing access to credit for individuals who might otherwise struggle to secure loans, ultimately benefitting both borrowers and lenders.

What is the P/E ratio of Open Lending 2025?

The Open Lending P/E ratio is 25.83.

What is the P/S ratio of Open Lending 2025?

The Open Lending P/S ratio is 5.06.

What is the Quality Investing of Open Lending?

The Quality Investing for Open Lending is 1/10.

What is the revenue of Open Lending 2025?

The expected Open Lending revenue is 122.43 M USD.

How high is the profit of Open Lending 2025?

The expected Open Lending profit is 23.98 M USD.

What is the business model of Open Lending

Open Lending Corp is a leading FinTech company that offers innovative credit solutions to financial institutions. The company relies on state-of-the-art technology to minimize credit risk and help customers obtain loans faster and easier. Open Lending Corp operates in various segments of lending. The company's core product is a program called Lenders Protection, which allows banks and credit unions to lend to customers who would not normally qualify. The program uses an innovative approach to risk assessment, enabling banks to better control the risk of loans that are typically considered high-risk. Through Lenders Protection, customers with low credit scores who would normally be denied due to high risks can receive reliable loans. The banks and credit unions that use the program can minimize credit risk and expand their business as a result. By offering these specialized credit solutions, banks and credit unions can reach a larger customer base and differentiate themselves from competitors. In addition to Lenders Protection, Open Lending offers a range of product solutions to support banks. The company provides its customers with various trainings, consulting services, and tools to manage credit risk. This helps banks improve their existing systems and optimize their risk assessment methods. Open Lending Corp relies on state-of-the-art technology and data analysis to offer its customers the best possible credit solutions. The company utilizes a variety of data sources and algorithms to minimize credit risk and provide its customers with valuable insights into the lending process. The company's technology enables banks and credit unions to approve loans faster and process customer inquiries more efficiently. Open Lending Corp's business relationships range from small and medium-sized businesses to large financial institutions. The company is able to serve customers of any size and offers customized solutions that meet the needs of each customer. Overall, Open Lending Corp is an innovative FinTech company that offers its customers high-quality credit solutions and consulting services. With the combination of cutting-edge technology and comprehensive industry knowledge, the company is well-positioned to further expand its business in the coming years.

What is the Open Lending dividend?

Open Lending pays a dividend of 0 USD distributed over payouts per year.

How often does Open Lending pay dividends?

The dividend cannot currently be calculated for Open Lending or the company does not pay out a dividend.

What is the Open Lending ISIN?

The ISIN of Open Lending is US68373J1043.

What is the Open Lending WKN?

The WKN of Open Lending is A2P58D.

What is the Open Lending ticker?

The ticker of Open Lending is LPRO.

How much dividend does Open Lending pay?

Over the past 12 months, Open Lending paid a dividend of . This corresponds to a dividend yield of about . For the coming 12 months, Open Lending is expected to pay a dividend of 0 USD.

What is the dividend yield of Open Lending?

The current dividend yield of Open Lending is .

When does Open Lending pay dividends?

Open Lending pays a quarterly dividend. This is distributed in the months of .

How secure is the dividend of Open Lending?

Open Lending paid dividends every year for the past 0 years.

What is the dividend of Open Lending?

For the upcoming 12 months, dividends amounting to 0 USD are expected. This corresponds to a dividend yield of 0 %.

In which sector is Open Lending located?

Open Lending is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Open Lending kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Open Lending from 1/18/2025 amounting to 0 USD, you needed to have the stock in your portfolio before the ex-date on 1/18/2025.

When did Open Lending pay the last dividend?

The last dividend was paid out on 1/18/2025.

What was the dividend of Open Lending in the year 2024?

In the year 2024, Open Lending distributed 0 USD as dividends.

In which currency does Open Lending pay out the dividend?

The dividends of Open Lending are distributed in USD.

All fundamentals about Open Lending

Our stock analysis for Open Lending Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Open Lending Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.