Open Lending (LPRO) Stock Price, News & Analysis

Company Overview

Open Lending Corporation is a financial technology company specializing in risk analytics and automated loan decisioning for the automotive finance industry. Through its proprietary platform, Open Lending enables banks, credit unions and finance companies to enhance underwriting accuracy, manage risk more effectively and streamline the loan origination process. The company’s solutions leverage machine learning and big-data analytics to deliver credit-based pricing models that help lenders optimize portfolio performance and reduce losses.

The core offerings of Open Lending include an automated underwriting engine, risk-based pricing tools and performance analytics dashboards. These services support both new and used auto loan origination, as well as refinance transactions. By integrating directly with dealer point-of-sale and lender loan origination systems, Open Lending’s platform facilitates rapid decisioning at the point of sale, enabling finance partners to approve more consumers while maintaining disciplined credit standards.

Founded in 2007 and headquartered in Austin, Texas, Open Lending serves financial institutions across the United States. Over time, the company has broadened its product suite to include portfolio health monitoring and ongoing risk assessment services, helping clients adapt to changing market conditions. With a focus on innovation and data-driven insights, Open Lending continues to work closely with automotive lenders to improve profitability, customer experience and operational efficiency.

Key Stats

• Today's Range: $1.67 to $1.82
• 50-Day Range: $1.20 to $1.79
• 52-Week Range: $1.18 to $2.70
• Volume: 1.13 million shs
• Average Volume: 584,756 shs
• Market Capitalization: $197.00 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $2.56
• Consensus Rating: Hold

Open Lending Stock Analysis - MarketRank™

Open Lending scored higher than 41% of companies evaluated by MarketBeat, and ranked 694th out of 879 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Hold

Consensus Rating

Open Lending has received a consensus rating of Hold. The company's average rating score is 2.29, and is based on no strong buy ratings, 3 buy ratings, 3 hold ratings, and 1 sell rating.

Upside Potential

Open Lending has a consensus price target of $2.56, representing about 52.9% upside from its current price of $1.67.

Amount of Analyst Coverage

Open Lending has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 0.0 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Open Lending is -55.80, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Open Lending is -55.80, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Open Lending has a P/B Ratio of 2.62. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.78% of the float of Open Lending has been sold short.

Short Interest Ratio / Days to Cover

Open Lending has a short interest ratio ("days to cover") of 4.61.

Change versus previous month

Short interest in Open Lending has recently increased by 4.74%, indicating that investor sentiment is decreasing.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Open Lending does not currently pay a dividend.

Dividend Growth

Open Lending does not have a long track record of dividend growth.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: N/A

News Sentiment

Open Lending has a news sentiment score of 0.50. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.71 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Open Lending this week, compared to 5 articles on an average week.

Search Interest

4 people have searched for LPRO on MarketBeat in the last 30 days. This is an increase of 100% compared to the previous 30 days.

MarketBeat Follows

1 people have added Open Lending to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.2 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Open Lending insiders have not sold or bought any company stock.

Percentage Held by Insiders

13.20% of the stock of Open Lending is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

78.06% of the stock of Open Lending is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

LPRO Stock Analysis - Frequently Asked Questions

How have LPRO shares performed this year?

Open Lending's stock was trading at $1.55 on January 1st, 2026. Since then, LPRO shares have increased by 8.0% and is now trading at $1.6740.

How were Open Lending's earnings last quarter?

Open Lending Corporation (NASDAQ:LPRO) announced its earnings results on Thursday, March, 12th. The company reported $0.01 EPS for the quarter, missing the consensus estimate of $0.02 by $0.01. The firm earned $19.35 million during the quarter, compared to analyst estimates of $21.92 million. Open Lending had a positive trailing twelve-month return on equity of 8.83% and a negative net margin of 4.54%.
Read the conference call transcript.

Who are Open Lending's major shareholders?

Open Lending's top institutional shareholders include Wasatch Advisors LP (5.99%), LB Partners LLC (4.59%), Bank of New York Mellon Corp (0.27%) and R Squared Ltd (0.03%). Insiders that own company stock include John Joseph Flynn, Jessica E Buss, Matthew Sather and Shubhi Suryaji Rao.
View institutional ownership trends.

How do I buy shares of Open Lending?

Shares of LPRO stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Open Lending own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Open Lending investors own include NVIDIA (NVDA), Advanced Micro Devices (AMD), Meta Platforms (META), Tesla (TSLA), Netflix (NFLX), Alphabet (GOOG) and JPMorgan Chase & Co. (JPM).

Company Calendar

• Last Earnings: 3/12/2026
• Today: 5/05/2026
• Next Earnings (Estimated): 5/07/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - CONS LOANS
• Sub-Industry: Banking
• Current Symbol: NASDAQ:LPRO
• CIK: 1806201
• Web: www.openlending.com
• Phone: (512) 892-0400
• Fax: N/A
• Employees: 180
• Year Founded: 2000

Price Target and Rating

• Average Price Target for Open Lending: $2.56
• High Price Target: $3.00
• Low Price Target: $2.00
• Potential Upside/Downside: +52.9%
• Consensus Rating: Hold
• Rating Score (0-4): 2.29
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.03)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 18.60
• P/E Growth: N/A
• Net Income: -$4.24 million
• Net Margins: -4.54%
• Pretax Margin: -5.76%
• Return on Equity: 8.83%
• Return on Assets: 2.40%

Debt

• Debt-to-Equity Ratio: 1.03
• Current Ratio: 4.52
• Quick Ratio: 4.52

Sales & Book Value

• Annual Sales: $93.22 million
• Price / Sales: 2.11
• Cash Flow: $0.08 per share
• Price / Cash Flow: 21.72
• Book Value: $0.64 per share
• Price / Book: 2.62

Miscellaneous

• Outstanding Shares: 117,680,000
• Free Float: 100,025,000
• Market Cap: $197.00 million
• Optionable: Optionable
• Beta: 2.20