Open Lending Corporation
NASDAQ:LPRO
5.46 (USD) • At close January 8, 2025
Overview | Financials
Numbers are in millions (except for per share data and ratios) USD.
| 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 | 2022 Q4 | 2022 Q3 | 2022 Q2 | 2022 Q1 | 2021 Q4 | 2021 Q3 | 2021 Q2 | 2021 Q1 | 2020 Q4 | 2020 Q3 | 2020 Q2 | 2020 Q1 | 2019 Q4 | 2019 Q3 | 2019 Q2 | 2019 Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue
| 23.476 | 26.727 | 30.745 | 14.939 | 26.006 | 38.154 | 38.361 | 26.821 | 50.661 | 52.044 | 50.068 | 51.63 | 58.892 | 61.125 | 44.008 | 39.633 | 29.762 | 22.067 | 17.43 | 26.076 | 22.104 | 25.183 | 19.484 |
| Cost of Revenue
| 6.127 | 5.713 | 5.75 | 5.365 | 5.369 | 6.117 | 5.431 | 4.896 | 5.199 | 5.085 | 4.788 | 4.739 | 6.38 | 4.14 | 3.362 | 2.968 | 2.496 | 1.827 | 2.495 | 2.289 | 1.923 | 2.067 | 1.527 |
| Gross Profit
| 17.349 | 21.014 | 24.995 | 9.574 | 20.637 | 32.037 | 32.93 | 21.925 | 45.462 | 46.959 | 45.28 | 46.891 | 52.512 | 56.985 | 40.646 | 36.665 | 27.266 | 20.24 | 14.935 | 23.787 | 20.181 | 23.116 | 17.957 |
| Gross Profit Ratio
| 0.739 | 0.786 | 0.813 | 0.641 | 0.794 | 0.84 | 0.858 | 0.817 | 0.897 | 0.902 | 0.904 | 0.908 | 0.892 | 0.932 | 0.924 | 0.925 | 0.916 | 0.917 | 0.857 | 0.912 | 0.913 | 0.918 | 0.922 |
| Reseach & Development Expenses
| 0.992 | 1.13 | 1.479 | 1.5 | 1.717 | 1.128 | 1.23 | 1.839 | 2.355 | 2.188 | 1.823 | 1.72 | 1.268 | 0.773 | 0.591 | 0.678 | 0.579 | 0.349 | 0.359 | 0.301 | 0.291 | 0.332 | 0.245 |
| General & Administrative Expenses
| 9.594 | 11.745 | 11.979 | 12.002 | 9.875 | 10.971 | 10.195 | 11.165 | 9.335 | 7.968 | 7.482 | 6.603 | 7.197 | 8.381 | 8.212 | 9.351 | 5.015 | 14.65 | 3.569 | 4.104 | 3.263 | 3.315 | 3.093 |
| Selling & Marketing Expenses
| 4.897 | 4.149 | 4.214 | 4.349 | 4.509 | 4.218 | 4.409 | 4.148 | 5.981 | 3.994 | 3.733 | 3.341 | 3.308 | 2.954 | 2.397 | 2.35 | 2.118 | 1.295 | 2.078 | 2.027 | 1.81 | 1.889 | 1.756 |
| SG&A
| 14.491 | 15.894 | 16.193 | 16.351 | 14.384 | 15.189 | 14.604 | 15.313 | 15.316 | 11.962 | 11.215 | 9.944 | 10.505 | 11.335 | 10.609 | 11.701 | 7.133 | 15.945 | 5.647 | 6.131 | 5.073 | 5.204 | 4.849 |
| Other Expenses
| 0 | 0 | 0 | 0.118 | -0.003 | -0.006 | 0 | 0.001 | -0.239 | 0 | 0 | 0.011 | 0.003 | 55.42 | -0.131 | -4.38 | 0 | 0.003 | 0.001 | 0.188 | 0.003 | 0.002 | 0 |
| Operating Expenses
| 15.483 | 17.024 | 17.672 | 17.851 | 16.101 | 16.317 | 15.834 | 17.152 | 17.671 | 14.15 | 13.038 | 11.664 | 11.773 | 12.108 | 11.2 | 12.379 | 7.712 | 16.294 | 6.006 | 6.432 | 5.364 | 5.536 | 5.09 |
| Operating Income
| 1.866 | 3.99 | 7.323 | -8.277 | 4.536 | 15.72 | 17.096 | 6.401 | 27.791 | 32.809 | 32.242 | 35.227 | 40.739 | 44.877 | 29.446 | 24.286 | 19.554 | 3.946 | 8.929 | 17.355 | 14.817 | 17.58 | 12.863 |
| Operating Income Ratio
| 0.079 | 0.149 | 0.238 | -0.554 | 0.174 | 0.412 | 0.446 | 0.239 | 0.549 | 0.63 | 0.644 | 0.682 | 0.692 | 0.734 | 0.669 | 0.613 | 0.657 | 0.179 | 0.512 | 0.666 | 0.67 | 0.698 | 0.66 |
| Total Other Income Expenses Net
| 0.259 | 0.35 | 0.201 | 0.316 | -0.001 | -0.209 | -0.323 | -0.669 | -1.526 | -1.102 | -0.778 | -0.442 | -0.921 | 54.356 | -12.114 | -7.896 | -86.666 | -52.399 | -0.746 | 0.113 | -0.06 | -0.075 | -0.079 |
| Income Before Tax
| 2.125 | 4.34 | 7.524 | -7.961 | 4.535 | 15.511 | 16.773 | 4.104 | 26.265 | 31.707 | 31.464 | 34.785 | 39.818 | 99.233 | 17.332 | 16.39 | -67.112 | -48.453 | 8.183 | 17.468 | 14.757 | 17.505 | 12.784 |
| Income Before Tax Ratio
| 0.091 | 0.162 | 0.245 | -0.533 | 0.174 | 0.407 | 0.437 | 0.153 | 0.518 | 0.609 | 0.628 | 0.674 | 0.676 | 1.623 | 0.394 | 0.414 | -2.255 | -2.196 | 0.469 | 0.67 | 0.668 | 0.695 | 0.656 |
| Income Tax Expense
| 0.688 | 1.438 | 2.437 | -3.119 | 1.532 | 4.14 | 4.235 | 8.293 | 1.736 | 8.581 | 8.31 | 6.945 | 10.404 | 23.267 | 4.47 | 1.188 | 4.021 | 1.352 | 0.011 | 0.028 | 0.041 | 0.021 | 0.12 |
| Net Income
| 1.437 | 2.902 | 5.087 | -4.842 | 3.003 | 11.371 | 12.538 | -4.189 | 24.529 | 23.126 | 23.154 | 27.84 | 29.414 | 75.966 | 12.862 | 15.202 | -71.133 | -49.805 | 8.172 | 17.44 | 14.716 | 17.484 | -12.701 |
| Net Income Ratio
| 0.061 | 0.109 | 0.165 | -0.324 | 0.115 | 0.298 | 0.327 | -0.156 | 0.484 | 0.444 | 0.462 | 0.539 | 0.499 | 1.243 | 0.292 | 0.384 | -2.39 | -2.257 | 0.469 | 0.669 | 0.666 | 0.694 | -0.652 |
| EPS
| 0.012 | 0.024 | 0.04 | -0.041 | 0.025 | 0.094 | 0.1 | -0.033 | 0.19 | 0.18 | 0.18 | 0.23 | 0.23 | 0.6 | 0.1 | 0.13 | -0.62 | -1.01 | 0.089 | 0.19 | 0.16 | 0.19 | -0.138 |
| EPS Diluted
| 0.012 | 0.024 | 0.04 | -0.041 | 0.025 | 0.094 | 0.1 | -0.033 | 0.19 | 0.18 | 0.18 | 0.23 | 0.23 | 0.6 | 0.1 | 0.13 | -0.62 | -1.01 | 0.089 | 0.19 | 0.16 | 0.19 | -0.138 |
| EBITDA
| 1.866 | 4.405 | 10.666 | -4.806 | 7.818 | 18.572 | 19.555 | 6.784 | 28.085 | 33.285 | 32.463 | 35.706 | 41.206 | 100.638 | 21.143 | 20.667 | -63.099 | -44.689 | 9.069 | 17.382 | 14.843 | 17.606 | 12.889 |
| EBITDA Ratio
| 0.079 | 0.165 | 0.347 | -0.532 | 0.295 | 0.483 | 0.506 | 0.263 | 0.55 | 0.637 | 0.651 | 0.689 | 0.693 | 1.646 | 0.68 | 0.521 | 0.673 | 0.181 | 0.52 | 0.674 | 0.672 | 0.698 | 0.662 |