Lumida
/LPRO
⌘K
Open Lending Corp

Open Lending Corp

LPRO
$3.14USD↓-0.32%-0.01 today

MARKET CAP

371.5M

P/E (TTM)

—

FWD P/E

—

DAY RANGE

$3 – $3

52W RANGE

$1
$3

AI Summary

Stalk
StalkMedium

LPRO remains in a Stage 2 advancing regime driven by a steep Parabola pattern with price extended well above rising EMAs. The medium-term bias is bullish, but short-term timing is unfavorable – waiting for a pullback into the rising EMAs or prior breakout support offers a cleaner entry opportunity.

  • ↑Shareholders received a $3.15/share cash premium at close of ANV acquisition
  • ↑ANV extended a $50M buyback to underpin valuation post-deal
  • ↓Q1 2026 net income plunged 88% YoY to $0.6M
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The case for & against

Bull & Bear analysis

Bearish

Open Lending Corporation (NASDAQ:LPRO) was a prominent player in the automotive lending sector, providing technology-enabled lending solutions primarily for the auto finance market. The company developed a suite of services designed to help lenders approve loans for non-prime borrowers. However, as of July 30, 2026, Open Lending has become a wholly-owned subsidiary of ANV Group Holdings following its acquisition, and consequently is no longer an actively traded public company, ceasing its operations in the public domain.

Bull says

  • ↑Shareholders received a $3.15/share cash premium at close of ANV acquisition
  • ↑ANV extended a $50M buyback to underpin valuation post-deal
  • ↑Analysts projected a strategic reset to restore profitability
  • ↑Pre-deal Stage 2 advancing regime signaled medium-term bullish bias
  • ↑Consensus ‘Hold’ rating reflected stabilization before acquisition
  • ↑Non-prime auto lending tech platform remains a competitive asset

Bear says

  • ↓Q1 2026 net income plunged 88% YoY to $0.6M
  • ↓Revenue slid 17% YoY to $24.4M in Q1 2026
  • ↓Heavy reliance on key customers and insurers raises risk
  • ↓Economic headwinds and rising fintech competition threaten volume
  • ↓Acquisition implies weak confidence in standalone public model
  • ↓Margins under pressure cast doubt on sustainable profitability

Investment themes with LPRO

FinTech Lending↓ -2.43%

Financial technology companies providing loans

SOFI · COIN · FIS

Earnings Call · Q1 2025 · Mgmt. Guidance

Updated 05-30-2026neutral

Transcript signals

Bull points

  • actually improving with loan-to-share actually coming down at 81.8%, and actually share growth has actually increased 40% quarter-over-quarter to 6.4%
  • actually saw a 15% increase in originations from our credit unions, which we see is a good sign
  • Our early initiatives are already working and demonstrating tangible progress, and we're focused on our goal of continued profitable growth for our shareholders.

Bear points

  • actually significant, something that we view as positive that will increase collateral values and could potentially have a positive impact on our CIE, the uncertainty around the tariffs is a concern. Their deal structure changes and has been changing week by week.
  • we currently have a $57 million excess profit share receipts liability on our balance sheet, which is based on our current forecast of future losses and which we anticipate will fluctuate quarter over quarter.
  • The decrease in the unit economics per the certified loan is due to our current estimates of loan performance based on our recent historical results.
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