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LPLPRO

Open Lending Corporation

$LPRO·$368M·Financial - Credit Services·Financial Services
$3.11+0.2%YTD+96.8%1Y+48.1%
Mentions · last 7 days
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Price updated 12h ago
LPLPRO
Open Lending Corporation$LPRO
$3.11+0.16%0 posts
AI analysisFundamentalsVoices on X
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Sentiment on XAI analysisGenerated by AI from underlying data

Top X posts

How loud the X conversation is around $LPRO and which way it's leaning — read in seconds.

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment5 posts analyzed · as of 2026-06-18

Open Lending was acquired by ANV at $3.15 per share, a roughly 50% premium to the previous close marking the return of small-and-microcap M&A. Posters note true runrate EBITDA is over $65M implying ANV paid less than 6x and LPRO recently won Toyota for used-vehicle financing. Some long-time shareholders are disappointed by both the sale price and the decision to sell with the used-car macro turning positive, but the close validates the value thesis.

Read what X is saying about $LPRO

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • Volume context so you know if today's chatter is normal or unusual
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What it does

Plain-English summary of the business — what they sell and how they make money.

Provides risk analytics and lending enablement software connecting auto lenders with near-prime borrowers via a shared risk model.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $LPRO.

Financial - Credit Services · Financial Services

Agentic commerce (AI agents transacting on behalf of consumers) is the structural repricing event for payment network infrastructure — Visa, Mastercard, and Amex are building agent transaction APIs as long-duration positioning. X Money's emergence as a potential PayPal disruptor is the week's narrative; higher-for-longer rates continue to pressure fintech lenders' cost of capital.

See how Financial - Credit Services shapes $LPRO

  • Where the industry is in its cycle and the catalysts moving it now
  • What this means specifically for $LPRO's next move
  • Peer-basket or ETF benchmark you can use to gut-check the read
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Industry benchmark

12-name peer basket
-5.7%YTD
-13.9%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-68.9How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
-2.8%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
-7.2%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
-0.1%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
4.1Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-7.0%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
77.2%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.1Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026May 7, 2026$-0.00$0.01-139.1%
Q4 2025Mar 12, 2026$0.01$0.02-50.0%
Q3 2025Nov 6, 2025$0.03$0.01+200.0%
Q2 2025Aug 6, 2025$0.01$0.02-50.0%
Next earningsWed, Aug 5·consensus EPS $0.01

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$20.5M-16.0%76.3%-3.1%$-0.00$-546K
Q4 FY25$19.3M-134.0%76.0%3.9%$0.01$4.7M
Q3 FY25$24.2M+3.0%78.0%-31.9%$-0.06$-5.7M
Q2 FY25$25.3M-5.3%78.2%4.6%$0.01$1.4M

Forward consensus

3-year forecast · up to 5 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$101.9M$99.4M – $107.1M$0.11$0.10 – $0.115
FY27$116.8M$113.9M – $122.8M$0.17$0.17 – $0.184
FY28$123.7M$120.6M – $129.9M$0.29$0.28 – $0.311

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.2.6×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.99%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+57.8%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+73.1%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 101.9M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today7.5% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β2.275-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Know if $LPRO is setting up — or just chopping

  • Volume multiple vs 30-day baseline — catch unusual interest before the move
  • Position vs 50d & 200d MAs and 52-week range — trend direction at a glance
  • Float bucket, beta, and active-offering flags — what kind of stock you're trading
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Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

No open-market buys or sells in the last 180 days.

+ 16 other (6 exempts · 6 awards · 3 inkinds · 1 return) in window

See when $LPRO insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

SC 13D/AActivist amendmentJun 17SC 13D/A
AI summary

True Wind Capital Management, L.P. (via Nebula Holdings LLC) filed SC 13D/A (Amendment No. 3) on June 15, 2026, reporting a beneficial ownership position of 7,545,144 shares of Open Lending Corporation (LPRO) common stock, all with shared voting and dispositive power. True Wind is a San Francisco-based private equity firm with ongoing strategic engagement with Open Lending. This amended filing may reflect a change in ownership level or intent, signaling continued activist or strategic positioning.

SC 13D/AActivist amendmentJun 16SC 13D/A
AI summary

Bregal Sagemount I, L.P. (and related entities Bregal North America General Partner Jersey Ltd and Bregal Investments, Inc.) filed Amendment No. 4 to its Schedule 13D on Open Lending Corporation (LPRO) on June 15, 2026, reporting beneficial ownership of 7,564,566 shares — 6.4% of 117,676,162 shares outstanding as of March 6, 2026. Bregal holds sole voting and dispositive power over all reported shares with no shared power. The amendment is likely tied to Open Lending's concurrently announced $3.15/share merger with ANV Group Holdings, signaling Bregal's position as a significant holder heading into the tender offer.

8-KMaterial agreementJun 168-K — Item 1.01: Material agreement · Item 7.01: Press release / Reg FD
AI summary

Open Lending Corporation (LPRO) entered into a definitive Agreement and Plan of Merger on June 15, 2026 with ANV Group Holdings Ltd. (UK private company) as acquirer, via a tender offer at $3.15 per share in cash. ANV's subsidiary Lakers Acquisition Sub will commence the tender offer; shares not tendered will be converted to the right to receive $3.15 at the effective time of merger under DGCL Section 251(h). A Reg FD investor presentation was furnished as an exhibit. Transformative take-private deal — the $3.15 cash offer price represents a clear premium to recent trading and is highly material to all LPRO shareholders.

8-KOfficer or director changeJun 98-K — Item 5.02: Officer or director change
AI summary

Open Lending Corporation (LPRO) filed an 8-K Item 5.02 on June 9, 2026 reporting a departure, election, or appointment of a director or officer. Body unavailable — excerpt cuts off before the specific personnel change details are disclosed.

3New insider — initial holdingsJun 83
AI summary

Open Lending Corporation (LPRO) filed a Form 3 on June 8, 2026 reporting initial beneficial ownership for a newly designated director, officer, or 10%+ holder. Body unavailable — excerpt contains only SEC cover-page header without the reporting person's identity or share count.

8-KShareholder voteJun 48-K — Item 5.07: Shareholder vote
AI summary

Open Lending Corporation (LPRO) reported annual meeting vote results (Item 5.07) in an 8-K filed June 4, 2026. Body unavailable — excerpt cuts off before specific vote tallies are disclosed.

8-KMaterial agreementMar 68-K — Item 1.01: Material agreement · Item 5.02: Officer or director change
3New insider — initial holdingsFeb 203
+ 14 other (3 13Gs · 2 SC TO-Cs · 2 earnings 8-Ks · 2 proxys) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Open Lending Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Open Lending Corporation - LPROgurufocus.com·18h agoOpen Lending Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Open Lending Corporation - LPRObusinesswire.com·18h agoLPRO Alert: Monsey Firm of Wohl & Fruchter Investigating Fairness of the Proposed Sale of Open Lending Corporation to ANV Group Holdingsglobenewswire.com·2d ago$HAREHOLDER ALERT: The M&A Class Action Firm Announces An Investigation of Open Lending Corporation (NASDAQ: LPRO)gurufocus.com·3d ago$HAREHOLDER ALERT: The M&A Class Action Firm Announces An Investigation of Open Lending Corporation (NASDAQ: LPRO)prnewswire.com·3d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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