Open Lending Corp Net Income
| LPRO Stock | USD 1.40 0.04 2.94% |
As of the 18th of February 2026, Open Lending holds the Risk Adjusted Performance of 0.0011, variance of 19.72, and Coefficient Of Variation of (11,220). Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Open Lending, as well as the relationship between them.
Open Lending Total Revenue |
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Gross Profit | Market Capitalization | Enterprise Value Revenue 7.2457 | Revenue | Earnings Share (1.26) |
| Last Reported | Projected for Next Year | ||
| Net Income Applicable To Common Shares | 76.6 M | 80.4 M | |
| Net Loss | -121.5 M | -115.4 M | |
| Net Loss | -121.5 M | -115.4 M | |
| Net Loss | (1.30) | (1.24) | |
| Net Income Per E B T | 1.88 | 1.97 |
Open | Net Income | Build AI portfolio with Open Stock |
Evaluating Open Lending's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into Open Lending Corp's fundamental strength.
Latest Open Lending's Net Income Growth Pattern
Below is the plot of the Net Income of Open Lending Corp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Open Lending Corp financial statement analysis. It represents the amount of money remaining after all of Open Lending Corp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Open Lending's Net Loss historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Open Lending's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported (135.01 M) | 10 Years Trend |
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Net Income |
| Timeline |
Open Net Income Regression Statistics
| Arithmetic Mean | (8,480,412) | |
| Geometric Mean | 1,900,645 | |
| Coefficient Of Variation | (862.45) | |
| Mean Deviation | 51,246,459 | |
| Median | (30,682) | |
| Standard Deviation | 73,139,380 | |
| Sample Variance | 5349.4T | |
| Range | 281.1M | |
| R-Value | (0.32) | |
| Mean Square Error | 5115.8T | |
| R-Squared | 0.10 | |
| Significance | 0.21 | |
| Slope | (4,658,076) | |
| Total Sum of Squares | 85589.9T |
Open Net Income History
Other Fundumenentals of Open Lending Corp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Open Lending Net Income component correlations
Open Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Open Lending is extremely important. It helps to project a fair market value of Open Stock properly, considering its historical fundamentals such as Net Income. Since Open Lending's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Open Lending's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Open Lending's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Diversified Capital Markets sector continue expanding? Could Open diversify its offerings? Factors like these will boost the valuation of Open Lending. Expected growth trajectory for Open significantly influences the price investors are willing to assign. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Open Lending data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.56) | Earnings Share (1.26) | Revenue Per Share | Quarterly Revenue Growth 0.03 | Return On Assets |
Understanding Open Lending Corp requires distinguishing between market price and book value, where the latter reflects Open's accounting equity. The concept of intrinsic value - what Open Lending's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push Open Lending's price substantially above or below its fundamental value.
Understanding that Open Lending's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Open Lending represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. In contrast, Open Lending's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
Open Lending 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Open Lending's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Open Lending.
| 11/20/2025 |
| 02/18/2026 |
If you would invest 0.00 in Open Lending on November 20, 2025 and sell it all today you would earn a total of 0.00 from holding Open Lending Corp or generate 0.0% return on investment in Open Lending over 90 days. Open Lending is related to or competes with Medallion Financial, CPI Card, Finance Of, Yirendai, Consumer Portfolio, Currenc Group, and Oportun Financial. Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, and ... More
Open Lending Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Open Lending's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Open Lending Corp upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.02) | |||
| Maximum Drawdown | 26.32 | |||
| Value At Risk | (5.97) | |||
| Potential Upside | 8.5 |
Open Lending Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Open Lending's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Open Lending's standard deviation. In reality, there are many statistical measures that can use Open Lending historical prices to predict the future Open Lending's volatility.| Risk Adjusted Performance | 0.0011 | |||
| Jensen Alpha | (0.15) | |||
| Total Risk Alpha | (0.29) | |||
| Treynor Ratio | (0.02) |
Open Lending February 18, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0011 | |||
| Market Risk Adjusted Performance | (0.01) | |||
| Mean Deviation | 3.23 | |||
| Coefficient Of Variation | (11,220) | |||
| Standard Deviation | 4.44 | |||
| Variance | 19.72 | |||
| Information Ratio | (0.02) | |||
| Jensen Alpha | (0.15) | |||
| Total Risk Alpha | (0.29) | |||
| Treynor Ratio | (0.02) | |||
| Maximum Drawdown | 26.32 | |||
| Value At Risk | (5.97) | |||
| Potential Upside | 8.5 | |||
| Skewness | 0.9488 | |||
| Kurtosis | 2.27 |
Open Lending Corp Backtested Returns
Open Lending Corp maintains Sharpe Ratio (i.e., Efficiency) of -0.0124, which implies the firm had a -0.0124 % return per unit of risk over the last 3 months. Open Lending Corp exposes twenty-two different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please check Open Lending's Risk Adjusted Performance of 0.0011, variance of 19.72, and Coefficient Of Variation of (11,220) to confirm the risk estimate we provide. The company holds a Beta of 2.42, which implies a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Open Lending will likely underperform. At this point, Open Lending Corp has a negative expected return of -0.0551%. Please make sure to check Open Lending's total risk alpha, as well as the relationship between the kurtosis and day typical price , to decide if Open Lending Corp performance from the past will be repeated at some point in the near future.
Auto-correlation | 0.67 |
Good predictability
Open Lending Corp has good predictability. Overlapping area represents the amount of predictability between Open Lending time series from 20th of November 2025 to 4th of January 2026 and 4th of January 2026 to 18th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Open Lending Corp price movement. The serial correlation of 0.67 indicates that around 67.0% of current Open Lending price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.67 | |
| Spearman Rank Test | 0.46 | |
| Residual Average | 0.0 | |
| Price Variance | 0.05 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, Open Lending Corp reported net income of (135.01 Million). This is 110.57% lower than that of the Capital Markets sector and 109.9% lower than that of the Financials industry. The net income for all United States stocks is 123.65% higher than that of the company.
Open Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Open Lending's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Open Lending could also be used in its relative valuation, which is a method of valuing Open Lending by comparing valuation metrics of similar companies.Open Lending is currently under evaluation in net income category among its peers.
Open Lending Current Valuation Drivers
We derive many important indicators used in calculating different scores of Open Lending from analyzing Open Lending's financial statements. These drivers represent accounts that assess Open Lending's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Open Lending's important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 2.9B | 2.8B | 851.2M | 1.0B | 925.4M | 1.2B | |
| Enterprise Value | 3.0B | 2.9B | 798.9M | 936.2M | 842.5M | 1.2B |
Open Lending Institutional Holders
Institutional Holdings refers to the ownership stake in Open Lending that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Open Lending's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Open Lending's value.| Shares | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 1.8 M | Renaissance Technologies Corp | 2025-06-30 | 1.7 M | Aqr Capital Management Llc | 2025-06-30 | 1.6 M | D. E. Shaw & Co Lp | 2025-06-30 | 1.5 M | Two Sigma Advisers, Llc | 2025-06-30 | 1.2 M | Dimensional Fund Advisors, Inc. | 2025-06-30 | 1.1 M | Goldman Sachs Group Inc | 2025-06-30 | 1.1 M | Two Sigma Investments Llc | 2025-06-30 | 1.1 M | Millennium Management Llc | 2025-06-30 | 937.2 K | True Wind Capital Management, L.p. | 2025-06-30 | 7.5 M | Blackrock Inc | 2025-06-30 | 7.4 M |
Open Fundamentals
| Return On Equity | -1.03 | ||||
| Return On Asset | -0.13 | ||||
| Operating Margin | 0.14 % | ||||
| Current Valuation | 122.8 M | ||||
| Shares Outstanding | 118.19 M | ||||
| Shares Owned By Insiders | 3.24 % | ||||
| Shares Owned By Institutions | 76.86 % | ||||
| Number Of Shares Shorted | 1.95 M | ||||
| Price To Earning | 6.62 X | ||||
| Price To Book | 2.21 X | ||||
| Price To Sales | 9.76 X | ||||
| Revenue | 24.02 M | ||||
| Gross Profit | (6.23 M) | ||||
| EBITDA | (51.61 M) | ||||
| Net Income | (135.01 M) | ||||
| Cash And Equivalents | 167.7 M | ||||
| Cash Per Share | 1.33 X | ||||
| Total Debt | 143.77 M | ||||
| Debt To Equity | 0.72 % | ||||
| Current Ratio | 18.48 X | ||||
| Book Value Per Share | 0.62 X | ||||
| Cash Flow From Operations | 17.6 M | ||||
| Short Ratio | 2.85 X | ||||
| Earnings Per Share | (1.26) X | ||||
| Price To Earnings To Growth | 0.21 X | ||||
| Target Price | 2.68 | ||||
| Number Of Employees | 205 | ||||
| Beta | 2.02 | ||||
| Market Capitalization | 165.47 M | ||||
| Total Asset | 296.37 M | ||||
| Retained Earnings | (328.76 M) | ||||
| Working Capital | 228.47 M | ||||
| Net Asset | 296.37 M |
About Open Lending Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Open Lending Corp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Open Lending using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Open Lending Corp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with Open Lending
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Open Lending position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Open Lending will appreciate offsetting losses from the drop in the long position's value.The ability to find closely correlated positions to Open Lending could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Open Lending when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Open Lending - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Open Lending Corp to buy it.
The correlation of Open Lending is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Open Lending moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Open Lending Corp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Open Lending can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out You can also try the Balance Of Power module to check stock momentum by analyzing Balance Of Power indicator and other technical ratios.
Will Diversified Capital Markets sector continue expanding? Could Open diversify its offerings? Factors like these will boost the valuation of Open Lending. Expected growth trajectory for Open significantly influences the price investors are willing to assign. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Open Lending data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.56) | Earnings Share (1.26) | Revenue Per Share | Quarterly Revenue Growth 0.03 | Return On Assets |
Understanding Open Lending Corp requires distinguishing between market price and book value, where the latter reflects Open's accounting equity. The concept of intrinsic value - what Open Lending's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push Open Lending's price substantially above or below its fundamental value.
Understanding that Open Lending's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Open Lending represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. In contrast, Open Lending's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.