Open Lending Corporation

NASDAQ•LPRO

CEO: Mr. Charles D. Jehl CPA

セクター: Financial Services

業種: Financial - Credit Services

上場日: 2018-03-26

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 Program (LPP), which is a cloud-based automotive lending platform that provides loan analytics solutions and automated issuance of credit default insurance with third-party insurance providers. Its LPP products include loan analytics, risk-based loan pricing, risk modeling, and automated decision technology for automotive lenders. Open Lending Corporation was founded in 2000 and is based in Austin, Texas.

連絡先情報

1501 South Mopac Expressway, Suite 450, Austin, TX, 78746, United States

512-892-0400

www.openlending.com

時価総額

$257.71M

PER (TTM)

-48.3

19.7

配当利回り

52週高値

$2.70

52週安値

$1.18

52週レンジ

66%

順位49Top 66.7%

3.2

F-Score

改良版 Piotroski 分析

8年ファンダメンタル

弱い • 3.2 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2018-2025

財務ダッシュボード

Q1 2026 データ

売上高

$20.49M+0.00%

直近4四半期の推移

EPS

-$0.00+0.00%

直近4四半期の推移

フリーCF

-$546.00K+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Revenue Jumps 288% Total revenue reached $93.2M in 2025, up 288%, driven by $72.5M profit share increase.

Net Loss Significantly Reduced Net loss narrowed to $(4.2)M in 2025 from $(135.0)M in 2024, reflecting operational improvements.

Profit Share Revenue Rebounds Profit share revenue increased 168% to $29.4M, reversing prior year's $96.1M estimate adjustment loss.

Debt Reduced, Cash Position Made $48.0M voluntary debt prepayment; cash equivalents stood at $176.6M as of year-end 2025.

リスク要因

Revenue Concentration Risk Top ten automotive lenders drive significant program fee revenue; loss of key partners impacts results.

Reliance on Proprietary Models Extensive reliance on complex underwriting models; errors or inaccuracies could harm reputation and profitability.

Interest Rate Sensitivity Rising market interest rates negatively impact consumer willingness to borrow, reducing loan volume and LPP revenue generation.

Insurance Partner Dependency Business relies on three active insurance partners; losing commitments could materially affect operations.

見通し

ApexOne Auto Platform Launch Launched ApexOne Auto in late 2025 to support prime borrowers, expanding beyond near-prime focus.

Managing Operational Growth Future growth requires significant commitment to scaling platform, compliance, and attracting qualified employees.

Potential Future Dilution Future financing for growth or acquisitions may require issuing additional equity, causing stockholder dilution.

Regulatory Environment Uncertainty Subject to evolving federal and state consumer protection laws, increasing compliance costs and risks.

同業比較

売上高 (TTM)

FOA

$2.09B

+1.5%

YRD

$797.63M

-1.3%

JRVR

$666.71M

-1.8%

粗利益率 (最新四半期)

CPSS

99.6%

-5.1pp

MFIN

93.2%

+5.4pp

LPRO

76.3%

+4.1pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
FUNC	$269.92M	10.7	12.7%	2.5%
LPRO	$257.71M	-48.3	-7.0%	36.8%
VABK	$244.01M	12.2	11.1%	1.8%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

-6.8%

成長鈍化

4四半期純利益CAGR

N/M

収益構造の変化

キャッシュフロー安定性

50%

キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年8月5日

EPS:$0.01

売上高:$23.52M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし