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About the company
Open Lending Corporation provides loan analytics, risk-based pricing, risk modeling and default insurance to auto lenders throughout the United States, which enables each lending institution to book near-prime and non-prime automotive loans, coupled with real-time underwriting of loan default insurance, out of its existing business flow. The Company also operates as a third-party administrator that adjudicates insurance claims and premium adjustments on automotive loans. Its flagship product, Lenders Protection platform (LPP), is a cloud-based automotive lending enablement platform. The platform uses risk-based pricing models that enable automotive lenders to assess the credit risk of a potential borrower using data-driven analysis. The Company's proprietary risk models project loan performance, including expected losses and prepayments, in arriving at the optimal contract interest rate.
- Revenue in USD (TTM)16.95m
- Net income in USD-150.35m
- Incorporated2019
- Employees205.00
- LocationOpen Lending Corp1501 S. Mopac Expressway, Suite #450AUSTIN 78746United StatesUSA
- Phone+1 (512) 892-0400
- Fax+1 (302) 636-5454
- Websitehttps://www.openlending.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| First Reliance Bancshares Inc | 56.78m | 10.91m | 120.49m | 92.00 | 11.43 | 1.26 | -- | 2.43 | 1.31 | 1.31 | 5.98 | 11.88 | -- | -- | -- | -- | 1.01 | 0.6813 | -- | -- | -- | -- | 21.96 | 16.07 | -- | -- | -- | -- | 8.16 | 15.09 | 84.10 | 0.5405 | -- | -- |
| SB Financial Group Inc | -100.00bn | -100.00bn | 128.97m | 244.00 | -- | 0.9144 | -- | -- | -- | -- | -- | 22.65 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Skyline Bankshares Inc | 65.75m | 15.84m | 134.52m | 254.00 | 8.37 | 1.25 | 9.93 | 2.31 | 2.84 | 2.84 | 10.42 | 19.00 | -- | -- | -- | -- | 1.26 | 0.989 | -- | -- | -- | -- | 27.23 | 23.20 | -- | -- | -- | 21.25 | 22.81 | 15.68 | 113.36 | 21.97 | -- | 14.87 |
| SR Bancorp Inc | 49.06m | 4.28m | 138.12m | 119.00 | 30.99 | 0.7415 | 21.37 | 2.82 | 0.5347 | 0.5347 | 6.13 | 22.35 | 0.0445 | -- | 16.15 | 412,243.70 | 0.3873 | -- | 1.76 | -- | -- | -- | 8.71 | -- | -- | 1.29 | 0.8332 | -- | 31.27 | -- | 147.29 | -- | -- | -- |
| BCB Bancorp Inc | 172.96m | -14.46m | 139.92m | 264.00 | -- | 0.4598 | -- | 1.38 | -0.8408 | -0.8408 | 5.91 | 17.62 | -- | -- | -- | -- | -0.3642 | 0.679 | -- | -- | -- | -- | -12.33 | 21.92 | -- | -- | -- | 50.58 | -10.85 | 8.80 | -186.09 | -- | -- | 0.00 |
| ENB Financial Corp | 104.41m | 19.77m | 142.76m | 294.00 | 7.18 | 0.9388 | 6.51 | 1.70 | 3.49 | 3.49 | 14.84 | 26.68 | -- | -- | -- | -- | 0.9164 | 0.7961 | -- | -- | -- | -- | 23.52 | 21.88 | -- | -- | -- | 27.12 | 19.25 | 17.35 | 23.77 | 6.09 | 34.85 | 2.16 |
| Open Lending Corp | 16.95m | -150.35m | 157.19m | 205.00 | -- | 2.16 | -- | 9.27 | -1.26 | -1.26 | 0.1424 | 0.6162 | 0.0496 | -- | 0.6671 | 82,673.17 | -44.00 | 0.1414 | -49.84 | 0.1504 | -36.75 | 85.36 | -887.15 | 0.3405 | -- | -285.29 | 0.6485 | 1,498.98 | -79.55 | -23.69 | -711.74 | -- | 108.45 | -- |
| Finward Bancorp | 91.76m | 8.09m | 159.38m | 293.00 | 19.57 | 0.9124 | 14.78 | 2.41 | 1.88 | 1.88 | 15.38 | 40.37 | -- | -- | -- | -- | 0.3962 | 0.6096 | -- | -- | -- | -- | 12.25 | 16.97 | -- | -- | -- | 33.06 | 2.90 | 12.19 | -33.33 | -12.68 | -- | -17.29 |
| MainStreet Bancshares Inc | 131.59m | 13.46m | 166.50m | 174.00 | 12.64 | 0.8702 | 12.58 | 2.26 | 1.76 | 1.76 | 9.61 | 29.16 | -- | -- | -- | -- | 0.7032 | 0.8302 | -- | -- | -- | -- | 21.22 | 22.90 | -- | -- | -- | -- | -2.25 | 16.22 | 210.89 | -2.25 | -- | -- |
| Community Bancorp | 59.77m | 16.32m | 170.28m | 128.00 | 10.47 | 1.55 | 9.82 | 3.63 | 2.91 | 2.91 | 8.36 | 19.91 | -- | -- | -- | -- | 1.37 | 1.26 | -- | -- | -- | -- | 35.07 | 32.52 | -- | -- | -- | 37.71 | 17.27 | 11.61 | -5.05 | 7.66 | -3.63 | 4.34 |
| First Capital Inc | 56.85m | 16.37m | 173.61m | 173.00 | 10.60 | -- | 14.08 | 3.43 | 4.89 | 4.89 | 15.12 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 32.36 | 30.07 | -- | -- | -- | -- | 12.63 | 13.91 | 37.08 | 10.07 | -- | 4.56 |
| First Ottawa Bancshares Inc | 111.46m | 24.42m | 174.44m | 81.00 | 7.10 | 1.37 | -- | 2.38 | 26.24 | 26.24 | 78.63 | 136.26 | -- | -- | -- | -- | 1.35 | 1.03 | -- | -- | -- | -- | 33.38 | 24.01 | -- | -- | -- | 11.02 | 22.25 | 44.96 | 35.62 | 51.58 | -36.62 | 0.00 |
| Greystone Housing Impact Investors LP | 92.98m | 4.04m | 178.05m | 0.00 | 43.10 | 0.6109 | 43.95 | 1.91 | 0.1752 | 0.1752 | 4.02 | 16.49 | 0.0613 | -- | 13.11 | -- | 0.5506 | 2.68 | 0.6036 | 3.09 | 38.33 | 49.47 | 8.99 | 46.41 | -- | -- | 0.7321 | 84.20 | -12.99 | 3.07 | -62.75 | -7.10 | -- | 5.02 |
| Tri City Bankshares Corp | 79.26m | 14.37m | 178.10m | 392.00 | 12.51 | 0.9632 | -- | 2.32 | 1.60 | 1.63 | 8.54 | 20.76 | -- | -- | -- | -- | 0.7344 | 0.6512 | -- | -- | -- | -- | 18.71 | 17.99 | -- | -- | -- | 44.54 | 3.71 | 9.23 | 26.71 | 0.2074 | -- | -1.59 |
| CF Bankshares Inc | 120.00m | 17.00m | 194.73m | 102.00 | 11.30 | 1.06 | 10.81 | 3.19 | 2.69 | 2.69 | 9.63 | 28.73 | -- | -- | -- | -- | 0.8387 | 0.9146 | -- | -- | -- | -- | 28.78 | 31.28 | -- | -- | -- | 7.61 | 1.36 | 23.14 | 30.52 | -9.06 | -- | 39.77 |
Data as of Mar 03 2026. Currency figures normalised to Open Lending Corp's reporting currency: US Dollar USD
41.51%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Portolan Capital Management LLCas of 19 Feb 2026 | 7.01m | 5.93% |
| BlackRock Fund Advisorsas of 31 Dec 2025 | 6.85m | 5.80% |
| Wasatch Advisors LPas of 31 Dec 2025 | 6.34m | 5.36% |
| Whetstone Capital Advisors LLCas of 31 Dec 2025 | 6.01m | 5.09% |
| LB Partners LLCas of 31 Dec 2025 | 5.25m | 4.44% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 5.12m | 4.33% |
| Palogic Value Management LPas of 31 Dec 2025 | 4.32m | 3.66% |
| Ethos Financial Group LLCas of 31 Dec 2025 | 3.46m | 2.93% |
| Geode Capital Management LLCas of 31 Dec 2025 | 2.53m | 2.14% |
| SSgA Funds Management, Inc.as of 31 Dec 2025 | 2.16m | 1.83% |
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Data from 31 Dec 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
