LPRO — Open Lending Corp

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

About Open Lending Corp

Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, finance companies, and captive finance companies of automakers in the United States. The company offers lenders protection platform (LPP), which is a cloud-based automotive lending enablement platform that provides loan analytics solutions and automated issuance of credit default insurance with third-party insurance providers. Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$2.24
Market Cap$213M
Float95.4M
Shares Outstanding118.2M
P/E (Forward)22.52
Price/Sales (TTM)2.38
vs. Analyst Target+8.9% to analyst PT
Profit Margin-5.95%
Operating Margin (TTM)-3.09%
Revenue (TTM)$89.3M
Earnings Growth (YoY)-56.50%
Dividend RateNone
Analyst Target Price$2.44 (8 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $109M -$97.6M $99.1M -$77.6M
2021 $216M $146M $197M $198M
2022 $180M $66.6M $160M $100M
2023 $117M $22.1M $95.2M $41.3M
2024 $24.0M -$135M $169,000 -$51.6M
2025 $93.2M -$4.2M $70.4M $8.4M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $25.3M $1.0M
Sep 2025 $24.2M -$7.6M
Dec 2025 $19.3M $1.7M
Mar 2026 $20.5M -$460,000

Ownership & Float

Insider Ownership0.8%
Institutional Ownership72.9%
Short Float2.7%
% of All Funds Holding1.59%
Number of Funds Holding131

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$1.72Near-term / short-term trend
Weekly40-Week SMA$1.76Medium-term trend
Weekly80-Week SMA$2.63Cyclical trend (business cycle)
Weekly200-Week SMA$5.50Secular trend (multi-year)
Monthly10-Month SMA$1.79Near-term monthly trend
Monthly20-Month SMA$2.84Medium-term monthly trend
Monthly40-Month SMA$5.06Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$1.80 support 1.29x 0 months ago
$4.90 resistance 2.59x 13 months ago

Historical Earnings Reactions (33 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap -2.02% 0.00% 36.36% 24.70% -32.68%
1 Day -1.25% 0.00% 39.39% 24.57% -57.61%
1 Week -0.12% 0.00% 39.39% 35.81% -66.05%
2 Weeks 0.43% 0.00% 45.45% 30.25% -67.57%
1 Month 3.31% 1.12% 56.25% 47.80% -51.45%

Next earnings: July 26, 2026 (60 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan2.9%75.0%8
Feb-6.1%37.5%8
Mar-10.6%0.0%8
Apr-5.4%44.4%9
May13.9%50.0%8
Jun4.4%62.5%8
Jul4.5%87.5%8
Aug-2.3%37.5%8
Sep-0.9%37.5%8
Oct-7.2%37.5%8
Nov0.2%62.5%8
Dec3.4%50.0%8

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.03% 39.0% 385
Tuesday 0.06% 41.1% 423
Wednesday 0.15% 43.0% 419
Thursday -0.09% 37.9% 412
Friday -0.16% 38.6% 412

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 72.9%

Insider Transactions — Smart Summary

Total insider ownership: 0.8%

12-Month Insider Activity Summary

Total Filings1
Net Value+$60,800
Net Shares Change40,000
% of Float0.0%
C-Suite Filings1
Clusters Detected0

Key Insiders

NameTitleNet ValueFilingsActivity
Sather Matthew Chief Underwriting Officer +$60,800 1 1 buy

Significant Filings

DateInsiderTitleNet ValuePrice After
2025-11-21 Sather Matthew Chief Underwriting Officer +$60,800 Transaction at $1.52, now +47.4%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Open Lending Corp (LPRO) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for LPRO on Trend Edge →