Open Lending Corporation (LPRO)

Open Lending Corp.'s stock price experienced a significant decline between January 2025 and January 2026. In August 2025, the company reported its Q2 2025 financial results, with GAAP revenue surpassing estimates but certified loan volumes decreasing. Open Lending initiated a share buyback program during the quarter. In November 2025, the company announced its Q3 2025 earnings, reporting revenue growth but a net loss, leading to a drop in the stock price. Certified loans continued to decrease. Open Lending launched its Apex One Auto platform during this period. Analyst ratings in November 2025 included Canaccord Genuity maintaining a "Hold" recommendation, DA Davidson maintaining a "Buy" recommendation, and Zacks upgrading the stock to "Buy." Abhijit Chaudhary was appointed to the Board of Directors, and Anthony Capizzano was appointed as Chief Growth Officer. Insider sentiment has been positive with open-market purchases by insiders.

Demand for Open Lending Corp.'s products and services exhibits some seasonality, with typical seasonality contributing to a decrease in certified loans. The seasonality of US vehicle purchases impacts Open Lending. Historical seasonal chart analysis suggests a period of seasonal strength from approximately December 3 to February 27, aligning with the broader Financial sector's seasonal strength. However, the available data for LPRO is limited for a fully reliable seasonal analysis.

Open Lending Corporation is a financial technology company providing automated lending services and risk analytics solutions to financial institutions in the United States, operating primarily in the Credit Services industry. It specializes in enabling automotive lenders to offer loans to near-prime and non-prime borrowers. The company's flagship product is the Lenders Protection Program (LPP), a cloud-based automotive lending enablement platform that offers loan analytics, risk-based pricing, risk modeling, and automated decision technology. Open Lending also launched the Apex One Auto platform, targeting a significant market opportunity.

Open Lending Corp. primarily operates within the United States, with its headquarters located in Austin, Texas.

Open Lending has a reputation for empowering financial institutions to lend to underserved borrowers and is considered a trusted partner. The company is recognized for its commitment to compliance, technology, and customer service. Declining certified loan volumes and a net loss reported in Q3 2025 could influence market perception.

Open Lending Corp.'s ownership structure includes institutional, retail, and individual investors. Institutional investors hold a significant stake. Major institutional owners include True Wind Capital Management, L.P., BlackRock, Inc., Wasatch Advisors Inc, Vanguard Group Inc, LB Partners LLC, Palogic Value Management, L.P., Portolan Capital Management, LLC, Ethos Financial Group, LLC, and VTSMX - Vanguard Total Stock Market Index Fund Investor Shares. Other notable institutional shareholders include Goldman Sachs Group Inc., JPMorgan Chase & Co., MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd., Russell Investments Group Ltd., Sei Investments Co., Invesco Ltd., Prudential Financial Inc., Bregal Investments Inc., State Street Global Advisors, Inc., Balyasny Asset Management L.P., D. E. Shaw & Co., L.P., and Charles Schwab Investment Management, Inc. Insiders own a small percentage of the company's stock, and there has been recent insider buying activity.