# Open Lending share price (Open Lending Corporation, LPRO)

> Open Lending Corporation's share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. LPRO · Financials · Credit Services · data as of 29 July 2026. Page: https://www.sectoralpha.in/us/stocks/lpro

Sector Alpha also publishes a daily newsletter that explains one Indian stock at a time: https://newsletter.sectoralpha.in/?utm_source=sectoralpha&utm_medium=ai_text&utm_campaign=llms

## Key numbers

- Business trend: Getting worse, from the last 12 quarters
- Price: $3.14 (+45.4% in a year)
- P/BV: 4.9× (higher than 95% of the last 1 year)
- Revenue (Mar 2026): $20.5 M (−16.0% on a year ago)
- Profit (Mar 2026): −$460 K (−174.6% on a year ago)
- Net margin: −2.2% (−4.7 points on a year ago)
- ROE: −7%, FY25
- ROA: 1.07%, latest

Biggest thing to watch: the P/BV is higher than 95% of its own history, so the multiple has already done part of the work. ## What is the Open Lending share price? Open Lending Corporation's share price was $3.14 at the close on 29 July 2026. That is 62.7% above its average price over the last 200 trading days. In the last 52 weeks it traded between $1 and $3, and at that close it sat 99% of the way up from that low. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 13 weeks in a row. Over the last 1 year the share price moved +28% while the S&P 500 moved +20%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Open Lending pay? Open Lending Corporation pays no dividend. In the last 12 reported quarters it declared no dividend per share, so there is no payout history to chart and no yield to show. Companies like this usually keep their earnings in the business, so the cash-flow sections show where that cash goes. ## Which stock lists is Open Lending on? Open Lending is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Open Lending profitable? Open Lending Corporation posted a net loss of $460 K in the Mar 2026 quarter. The full FY25 year was a loss of $4.2 M. That loss is 2.2% of the quarter's revenue. The same quarter a year earlier earned $617 K. 4 of the last 12 reported quarters were loss-making. Mar 2026 profit was −$460 K, −174.6% on a year earlier. Why profit moved: revenue changed −16.0% on a year earlier and the margin moved −4.7 percentage points. Sales did the work while the margin got thinner. On average over the last four quarters, profit changed −288.6% and revenue −6.1%. Profit is growing slower than sales: rising costs are taking part of the growth. ## How much revenue does Open Lending make, and is it growing? Open Lending Corporation reported $20.5 M of income in the Mar 2026 quarter, −16.0% on the same quarter a year earlier. Over 4 years it has grown −18.9% a year on average. The last full year, FY25, came in at $93.2 M. The last four reported quarters add to $89.3 M. FY25 revenue was $93.2 M, +288.0% on the year before. Recent pace: the last four quarters grew −6.1% on average, against −18.9% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +405.4%, against −9.8% a year over the last 8 quarters (accelerating). ## How much does Open Lending keep from what it earns? Open Lending Corporation's net margin was −2.2% in the Mar 2026 quarter, 4.7 percentage points lower than the same quarter a year ago. Across 5 years it has been between −562.0% and 67.7%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Open Lending's loans have gone bad? Open Lending Corporation does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Open Lending's loan book growing? Open Lending Corporation's revenue was $93.2 M in FY25, +288.0% on the year before, so the loan book is growing. The latest quarter was −16.0% on a year earlier. The net margin on that income is −2.2%, −4.7 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Open Lending's P/BV ratio, and how does it compare with its own history? Open Lending Corporation's P/BV is 4.9×, near the high end of its own history: higher than 95% of past readings. Its usual P/BV (the middle reading) is 3.1×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about −7% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the Open Lending business getting better or worse? Open Lending Corporation's business is getting worse. Profit and EPS growth are shrinking: profit growth is −3380.0% in the latest quarter, against −57.3% at its best in 12 quarters, with ROE rising at -7.1%. This is based on 12 quarters of 4 measures. Why it matters: falling lines mean any ratio below that looks low should be read with that direction in mind. ## How much does Open Lending earn on its equity and assets? Open Lending Corporation earned a return on equity of −6% in FY25. Its lowest yearly reading on file was −173% in FY24. On its assets, every $100 earned about $1.07, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data. ## Does Open Lending have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Open Lending shareholding pattern? 2.2% of Open Lending Corporation's tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 0.4 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Open Lending from balance-sheet trouble? For Open Lending Corporation, the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Open Lending rank in its industry? There is no score against its industry: Open Lending Corporation is not among the largest members shown in this industry comparison for Credit Services. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Open Lending compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Open Lending in size? Open Lending is the 35th largest of 42 Credit Services companies on Sector Alpha by market value (scores of 3 November 2026). Just above it: Qfin Holdings, Inc., OppFi Inc. and Oportun Financial Corporation. Just below it: Regional Management Corp., CPI Card Group Inc. and High Templar Tech. ### Credit Services companies close in size

1. [Qfin Holdings, Inc.](https://www.sectoralpha.in/us/stocks/qfin) $641 million
2. [OppFi Inc.](https://www.sectoralpha.in/us/stocks/opfi) $498 million
3. [Oportun Financial Corporation](https://www.sectoralpha.in/us/stocks/oprt) $462 million
4. Open Lending Corporation $372 million
5. [Regional Management Corp.](https://www.sectoralpha.in/us/stocks/rm) $347 million
6. [CPI Card Group Inc.](https://www.sectoralpha.in/us/stocks/pmts) $286 million
7. [High Templar Tech Limited](https://www.sectoralpha.in/us/stocks/htt) $276 million

[All 42 Credit Services companies, largest first](https://www.sectoralpha.in/us/sectors/credit-services#all-companies)

### Companies close in size in other industries

1. [Civeo Corporation](https://www.sectoralpha.in/us/stocks/cveo) $372 million · Lodging
2. [Innovative Aerosystems, Inc.](https://www.sectoralpha.in/us/stocks/issc) $372 million · Aerospace & Defense
3. Open Lending Corporation $372 million
4. [Tilray Brands, Inc.](https://www.sectoralpha.in/us/stocks/tlry) $371 million · Drug Manufacturers - Specialty & Generic
5. [Capricor Therapeutics, Inc.](https://www.sectoralpha.in/us/stocks/capr) $371 million · Biotechnology

## What else do people ask about Open Lending? ### What were Open Lending's latest quarterly results? Open Lending Corporation reported total income of $20.5 M and a net loss of $460 K for the Mar 2026 quarter. Income fell 16.0% and profit fell 174.6% compared with a year earlier. Earnings per share were $0.00 (as of 29 July 2026). ### What is Open Lending's market cap? Open Lending Corporation's market capitalisation is $372 M at a stock price of $3.14. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 29 July 2026). ### How is Open Lending performing? Open Lending Corporation's latest readings are below. In its latest quarter, income fell 16.0% and profit fell 174.6% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 13 weeks running. This describes what the data did, not a rating (as of 29 July 2026). ### Will Open Lending's stock price go up? This page does not forecast Open Lending Corporation's stock price. What it shows instead: the stock price is $3.14. Its P/BV of 4.9× is higher than 95% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 29 July 2026). ### Where is Open Lending in its business cycle? Open Lending Corporation's FY25 net margin was −4.5%, against a 5-year range of −562.0% to 67.7%: the middle of its own range, neither a peak nor a low. The latest quarter was −2.2%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 29 July 2026). ### What could break the Open Lending story? Biggest thing to watch: the P/BV is higher than 95% of its own history, so the multiple has already done part of the work. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 29 July 2026). ### Is Open Lending a stock worth studying right now? What the numbers show: Open Lending Corporation's share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 29 July 2026). This is research, not advice. We’re not SEBI-registered.