LPRO - NASDAQ
Open Lending Corporation
$2.18
-12%Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, and non-bank auto finance companies and captive finance companies of original equipment manufacturers in the United States. It offers Lenders Protection Program (LPP), which is a Software as a Service platform that facilitates loan decision making and automated underwriting by third-party lenders and the issuance of credit default insurance through third-party insurance providers. The company's LPP products include loan analytics, risk-based loan pricing, risk modeling, and automated decision technology for automotive lenders. Open Lending Corporation was founded in 2000 and is based in Austin, Texas.
At a Glance
Live SnapshotOpen Lending Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Moderate conversion rate. Some gap between earnings and cash flow may warrant investigation into working capital or non-cash items.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Cash Flow Quality Insight
Working capital strain: Significant cash tied up in operations. Monitor receivables collection, inventory turns, and payment terms to optimize cash conversion cycle.
Open Lending Corporation Cash Flow Statement
LPRO • NASDAQ
| Open Lending Corporation Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 |
|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||||
-4.2M | -135M | 22.1M | 66.6M | 146.1M | -97.6M | 62.5M | 28.3M | 15.8M | |
2.4M | 1.7M | 1.2M | 915K | 525K | 1.8M | 105K | 80K | 20K | |
0.0 | 70.1M | -5M | 375K | 20.1M | 4.7M | 0.0 | 0.0 | 0.0 | |
7M | 8.7M | 9.5M | 5.4M | 3.8M | 2.8M | 2M | 2.5M | 1M | |
1.3M | 1.3M | 1.1M | 1M | -45.5M | 131.9M | 92K | 30K | -363K | |
(0.0) | (0.0) | (9.1M) | (36.1M) | (25.3M) | (144K) | (0.0) | (37K) | (0.0) | |
-9.7M | 70.9M | 53.9M | 33.1M | -29.8M | -19.1M | -23M | -2.3M | -3.3M | |
-3.2M | 17.6M | 82.7M | 107.4M | 95.2M | 24.6M | 41.8M | 28.6M | 13.1M | |
INVESTING ACTIVITIES | |||||||||
-56K | -165K | -123K | -238K | -111K | -1.2M | -99K | -106K | -48K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -275M | (0.0) | |
-974K | -3.7M | -2.1M | -386K | -1.9M | 0.0 | 0.0 | 760.2K | 0.0 | |
-1M | -3.9M | -2.2M | -624K | -2M | -1.2M | -99K | -106K | -48K | |
FINANCING ACTIVITIES | |||||||||
-4.9M | 0.0 | -37.3M | -18M | -20M | -37.5M | 0.0 | 0.0 | 0.0 | |
-55.5M | -4.7M | -3.8M | 1.4M | -19.2M | 163.5M | -2.5M | -2.5M | -2.3M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -135.6M | -42.4M | -18.9M | -11.8M | |
-4.9M | (0.0) | -37.3M | -18M | -20M | -37.5M | (0.0) | (0.0) | (0.0) | |
-1.1M | -1.8M | -1.3M | -1.2M | -38.6M | 80.4M | 0.0 | 0.0 | 0.0 | |
-61.5M | -6.4M | -42.3M | -17.8M | -77.8M | 70.8M | -44.9M | -21.4M | -14.1M | |
CASH FLOW SUMMARY | |||||||||
-65.7M | 7.3M | 38.2M | 89M | 15.4M | 94.3M | -3.2M | 7.1M | -1M | |
253.9M | 246.7M | 208.5M | 119.5M | 104.1M | 9.9M | 13.1M | 6M | 7.1M | |
188.2M | 253.9M | 246.7M | 208.5M | 119.5M | 104.1M | 9.9M | 13.1M | 6M | |
-3.3M | 17.4M | 80.5M | 106.8M | 93.2M | 23.4M | 41.7M | 28.5M | 13M |
SEC Filings
LPRO - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 07, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 20, 2026 | June 03, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 12, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 12, 2026 | March 12, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 06, 2026 | March 06, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 05, 2025 | December 02, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 25, 2025 | November 19, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 06, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 06, 2025 | November 06, 2025 | 2025 |
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