Open Lending Corporation

LPRO

LPROOpen Lending Corporation US flag

NASDAQ Global Market

2.18

USD

+0.05

- -

257.71MMarket Cap

Income Statement (USD)

MCP API Chat

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	52	93	109	216	180	117	24	93
+ Sales & Services Revenue	52	93	109	216	180	117	24	93
- Cost of Revenue	5	8	10	19	20	22	24	22
+ Cost of Goods & Services	5	8	10	19	20	22	24	22
Gross Profit	48	85	99	197	160	95	- -	72
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	19	22	42	47	62	66	66	77
+ Selling, General & Admin	18	21	40	42	54	61	61	68
+ Research & Development	1	1	2	4	8	6	4	9
+ Other Operating Expense	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	28	63	57	150	98	29	-65	-5
- Non-Operating (Income) Loss	- -	- -	148	-41	4	- -	-1	- -
+ Interest Expense, Net	- -	- -	11	6	4	- -	-1	- -
+ Interest Expense	- -	- -	12	6	6	11	11	10
- Interest Income	- -	- -	- -	- -	2	10	12	9
+ Other Non-Op (Income) Loss	- -	- -	136	-47	- -	- -	- -	- -
Pretax Income	28	63	-91	191	94	29	-65	-5
- Income Tax Expense (Benefit)	- -	- -	7	45	27	7	70	-1
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	28	63	-98	146	67	22	-135	-4
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	28	63	-98	146	67	22	-135	-4
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	28	63	-98	146	67	22	-135	-4
- Preferred Dividends	72	11	41	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	-44	51	-138	146	67	22	-135	-4
EBIT	28	63	57	150	98	29	-65	-5
EBITDA	29	63	58	151	99	30	-64	-3
EBITDA Margin (%)	54.71	67.55	53.29	69.93	54.86	25.74	-265.17	-2.78
EBITA	28	63	57	150	98	29	-65	-5
Gross Margin (%)	91.18	91.59	91.01	91.37	88.88	81.03	0.7	76.88
Operating Margin (%)	54.56	67.44	52.09	69.69	54.35	24.75	-272.14	-5.37
Profit Margin (%)	54.18	67.36	-89.6	67.74	37.09	18.79	-561.98	-4.54
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.21	0.46	1.64	- -	- -	- -	- -	- -
Depreciation Expense	- -	- -	1	1	1	1	2	2
Basic Weighted Avg Shares	92	92	83	126	126	121	119	119
Basic EPS, GAAP	-0.48	0.56	-1.67	1.16	0.53	0.18	-1.13	-0.04
Basic EPS from Cont Ops	0.31	0.68	-1.18	1.16	0.53	0.18	-1.13	-0.04
Diluted Weighted Avg Shares	92	92	83	126	126	121	119	119
Diluted EPS, GAAP	-0.48	0.56	-1.67	1.16	0.53	0.18	-1.13	-0.04
Diluted EPS from Cont Ops	0.31	0.68	-1.18	1.16	0.53	0.18	-1.13	-0.04

Balance Sheet (USD)

MCP API Chat

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	45	163	203	281	290	276	223
+ Cash, Cash Equivalents & STI	- -	8	102	116	204	240	243	177
+ Cash & Cash Equivalents	- -	8	102	116	204	240	243	177
+ ST Investments	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	- -	34	55	78	70	40	19	29
+ Accounts Receivable, Net	- -	4	4	7	6	5	5	4
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	30	50	72	64	36	14	25
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	- -	4	7	8	6	9	14	17
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	34	131	116	99	84	21	14
+ Property, Plant & Equip, Net	- -	- -	7	8	7	3	5	4
+ Property, Plant & Equip	- -	1	7	9	8	5	5	4
- Accumulated Depreciation	- -	- -	- -	1	1	2	- -	- -
+ LT Investments & Receivables	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Investments	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	- -	34	124	108	92	81	16	10
+ Total Intangible Assets	- -	- -	- -	- -	- -	3	5	4
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	3	5	4
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	- -	34	124	108	92	78	11	6
Total Assets	- -	79	294	319	380	374	296	237
+ Payables & Accruals	- -	3	8	5	7	9	6	9
+ Accounts Payable	- -	1	3	1	- -	- -	1	- -
+ Accrued Taxes	- -	- -	2	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	2	3	4	6	8	5	9
+ ST Debt	- -	2	5	4	4	5	28	27
+ ST Borrowings	- -	2	5	3	4	5	27	26
+ ST Finance Leases	- -	- -	- -	- -	1	1	1	1
+ Other ST Liabilities	- -	2	4	3	4	7	14	13
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	2	4	3	4	7	14	13
Total Current Liabilities	- -	8	17	12	15	21	47	49
+ LT Debt	- -	1	158	148	148	143	164	107
+ LT Borrowings	- -	1	153	143	144	139	160	105
+ LT Finance Leases	- -	- -	5	5	4	3	3	2
+ Other LT Liabilities	- -	305	92	- -	4	5	7	5
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	305	92	- -	4	5	7	5
Total Noncurrent Liabilities	- -	306	250	148	152	148	171	112
Total Liabilities	- -	314	267	160	167	168	218	162
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	- -	8	493	498	501	503	504	499
+ Common Stock	- -	- -	1	1	1	1	1	1
+ Additional Paid in Capital	- -	8	491	497	500	502	503	498
- Treasury Stock	- -	- -	38	57	72	104	97	91
+ Retained Earnings	- -	-243	-428	-282	-216	-194	-329	-333
+ Other Equity	- -	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	- -	-235	27	159	213	206	78	75
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	- -	-235	27	159	213	206	78	75
Total Liabilities & Equity	- -	79	294	319	380	374	296	237
Shares Outstanding	- -	92	127	126	124	119	119	118
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	6	5	5	4	4	3
Net Debt	- -	-4	56	30	-57	-96	-56	-46
Net Debt to Equity	- -	1.86	211.23	18.75	-26.79	-46.78	-71.58	-60.84
Tangible Common Equity Ratio	- -	-296.49	9.05	49.86	56.06	54.59	24.98	30.48
Current Ratio	- -	5.52	9.57	16.81	18.58	14.08	5.84	4.52
Cash Conversion Cycle	- -	-23.85	-75.52	-37.12	-1.93	10.63	63.31	5.2

Cash Flow Statement (USD)

MCP API Chat

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	28	63	-98	146	67	22	-135	-4
+ Depreciation & Amortization	- -	- -	1	1	1	1	2	2
+ Non-Cash Items	3	2	140	-22	7	6	80	8
+ Stock-Based Compensation	3	2	3	4	5	9	9	7
+ Deferred Income Taxes	- -	- -	5	20	- -	-5	70	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	- -	132	-46	1	1	1	1
+ Chg in Non-Cash Work Cap	-2	-23	-19	-30	33	54	71	-10
+ (Inc) Dec in Accts Receiv	- -	-24	-25	-26	30	50	18	-8
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	-1	-1	- -	-1	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	1	1	3	-1	1	1	-2	3
+ Inc (Dec) in Other	-2	- -	3	-1	2	3	55	-5
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	29	42	25	95	107	83	18	-3
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	- -	-1	- -	- -	- -	- -	- -
+ Acq of Fixed Prod Assets	- -	- -	-1	- -	- -	- -	- -	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	-38	-20	-18	-37	- -	-5
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	-38	-20	-18	-37	- -	-5
+ Net Change in LT Investment	- -	- -	- -	- -	- -	- -	- -	- -
+ Dec in LT Investment	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc in LT Investment	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	- -	- -	- -	-2	- -	-2	-4	-1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	- -	- -	-1	-2	-1	-2	-4	-1
+ Dividends Paid	-19	-42	-136	- -	- -	- -	- -	- -
+ Net Cash From Debt	-2	-2	163	-44	-24	-4	-5	-56
+ Cash From Debt	- -	- -	170	175	150	- -	- -	- -
+ Repayments of Debt	-2	-2	-7	-219	-174	-4	-5	-56
+ Other Financing Activities	- -	- -	80	-14	24	-1	-2	-1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-21	-45	71	-78	-18	-42	-6	-61
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	7	-3	94	15	89	38	7	-66
EBITDA	29	63	58	151	99	30	-64	-3
EBITDA Margin (%)	54.71	67.55	53.29	69.93	54.86	25.74	-265.17	-2.78
Free Cash Flow	28	42	23	95	107	83	17	-3
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	29	- -	- -	100	111	91	- -	- -
Free Cash Flow to Equity	- -	28	146	51	84	79	13	-59
Free Cash Flow per Basic Share	0.31	0.45	0.28	0.75	0.85	0.68	0.15	-0.03
Price/Free Cash Flow	31.2	23.13	112.19	29.82	7.92	12.49	40.06	-58.58
Cash Flow to Net Income	1.01	0.67	-0.25	0.65	1.61	3.75	-0.13	0.75
Capital Expenditures	- -	- -	-1	- -	- -	- -	- -	- -