Skip to main content
LPRO logo

LPRO · Open Lending Corp

Track LPRO — free
$3.14 -0.01 (-0.32%) At close · Jul 29
Market Cap
$371.20M
Shares
118.22M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$3.14 Open$3.15 Day$3.14–3.15 52W close$1.20–3.15 Avg vol 30d4.4M Short int2.1M · 1.7% float · 1.0d Short vol40% Last earningsMay 7, 2026 DataJun 2020–Jul 2026 Filing10-Q · May 8

Up next

FQ3-26 quarter ends
~Sep 30, 2026 Est
filed May 8, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Buy Momentum Very Strong Sentiment Bullish Fundamentals Excellent Quant / Vol High
      Market backdrop VIX 14.3 · calm Equity put/call 0.52
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +65%
      above
      Price vs 50-day avg +18%
      above
      RSI (14) 71
      overbought
      MACD trend Negative
      52-week position 99%
      near high
      Momentum
      relative strength
      Very Strong
      1-month return +1%
      trailing
      6-month return +75%
      trailing
      YTD return +103%
      this year
      Relative strength +69%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $3 › 200d $2 — 50d above 200d
      Institutional flow Accumulating
      +3% holders QoQ · +36 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      1.75% of float · ▼ -38.1% MoM · 1.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      144 holders — mid 3-yr range
      Fundamentals
      Excellent
      Revenue growth +288%
      Y/Y
      Gross margin 77%
      expanding
      EPS growth +96%
      Y/Y
      Free cash flow $-3.3M
      Buyback $50.0M
      authorized
      Balance sheet $91.8M
      net cash
      Quant / Vol
      risk profile
      High
      Volatility 84%
      annualized · 1-yr
      Max drawdown −55%
      past year
      ATR 1.5%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the 8-K filed May 7, 2026
      Adjusted EBITDA · full year 2026 Non-GAAP $25M – $29M
      Prior guidance period ended · from the Earnings Call filed Jun 30, 2024
      Adjusted EBITDA · third quarter of 2024 $11M – $14M
      Total revenue · third quarter of 2024 $28M – $31M

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Buy
      2 · 1 · 3
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +65% Bullish
      Price vs 50-day avg
      +18% Bullish
      RSI (14)
      71 Bearish
      MACD trend
      Negative Bearish
      52-week position
      99% Bullish
      Market signals — smart money & positioning
      Bullish · 2 of 6
      Trend (MA cross) No cross
      50d $3 › 200d $2 — 50d above 200d
      Institutional flow Accumulating
      +3% holders QoQ · +36 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      1.75% of float · ▼ -38.1% MoM · 1.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      144 holders — mid 3-yr range
      Price context
      position in its 52-week range
      Range low $1 Now $3 · 99% Range high $3
      vs 200-day avg +65% vs 50-day avg +18%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Credit unions and banks certified loans 19,000 first quarter of 2026
      Adjusted EBITDA non-GAAP $15.6M year ended December 31, 2025
      certified loans from credit unions and banks 17,254 fourth quarter of 2025
      credit unions and banks share of certified loans 89.4% fourth quarter of 2025

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Credit Services — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      LPRO
      Open Lending Corp
      this stock
      $371.20M +102.6% +288.0% 1.7%
      V
      Visa Inc.
      $641.36B +3.8% -4.9% 1.2%
      MA
      Mastercard Inc
      $498.70B -0.3% +16.4% 31.3 1.0%
      AXP
      American Express Co
      $231.28B -7.4% +13.4% 20.8 1.8%
      COF
      Capital One Financial Corp
      $141.47B -6.2% +36.6% 1.7%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      144
      % held
      67.8%
      Net QoQ
      +4.6M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      114
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      2.1M
      Days to cover
      1.0d
      Change
      -1.3M sh
      View
      Short Volume
      Short vol %
      40%
      As of
      Jul 29, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      149.7K
      Value
      $470.1K
      As of
      Jul 9, 2026
      View
      Off-Exchange
      Off-exchange %
      53.4%
      Week of
      Jul 6, 2026
      Off-exch Lit
      View
      Smart Money
      Congressional Trades Buy
      Member
      Josh Gottheimer
      Amount
      $1.0K–$15.0K
      Traded
      Apr 5, 2021
      View
      Financials
      Financials
      Revenue (FY)
      $93.2M
      Net income (FY)
      $-4.2M
      EPS diluted
      $-0.04
      View
      Buybacks
      Authorized
      $50.0M
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Jul 31, 2026
      This year
      11
      View
      Proposed Sales
      Value
      $367.3K
      Shares
      50.0K
      Filed
      Mar 21, 2024
      View
      Earnings & Events
      Earnings Calls
      Last call
      May 7, 2026
      View
      Investor Relations
      Latest news
      ANV Completes Acquisition of Open…
      Published
      Jul 30, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      LPRO +0.0% +0.6% +75.4% +1.0% +102.6%
      SPY -2.4% -2.3% +6.3% -2.3% +7.0%
      vs SPY +2.4% +3.0% +69.1% +3.3% +95.6%

      Capital returns

      Buyback program · as of Apr 30, 2026
      Authorized
      $50.00M
      Spent (derived)
      Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1806201 CUSIP 68373J104 13F (30d) 147 filings 146 filers Visit website Investor relations