What is the 13F Pro Quality Score for LPRO?

13F Pro ranks Open Lending Corp (LPRO) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View LPRO's current score at https://13fpro.ai/research/LPRO (free sign-up required for the full ranking).

Which hedge funds own the most LPRO stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of LPRO include True Wind Capital Management, L.P., BlackRock,, WASATCH ADVISORS. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/LPRO as soon as new 13F filings post.

Where does 13F Pro source LPRO data?

All Open Lending Corp fundamentals and ownership data come directly from SEC EDGAR. Open Lending Corp files with the SEC under CIK 1806201. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is LPRO in?

Open Lending Corp (LPRO) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is LPRO research updated on 13F Pro?

LPRO's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Open Lending Corp(LPRO)Stock Analysis

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13F Pro Quality Score

20.0/100

Rank #2,682 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

5.5/100

Profitability

26.0/100

Balance Sheet

28.0/100

Earnings Quality

30.0/100

Free Cash Flow

18.9/100

Institutional Flow

32.0/100

Revenue Scale

17.0/100

Dilution Risk

20.4/100

LPRO Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Open Lending Corp (LPRO), a Financials sector company. 13F Pro's AI-powered ranking engine scores LPRO at 20.0/100 on a 32-signal composite quality model, placing it at rank #2,682 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include revenue growth (5.5) and revenue scale (17.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 20.4/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Open Lending Corp reports quarterly revenue of $20.5M, net income of $-460.0K, an operating margin of -3.1%. Top institutional holders of LPRO by reported 13-F value include True Wind Capital Management, L.P., BlackRock,, WASATCH ADVISORS, based on the most recent SEC filings. LPRO trades on the Nasdaq exchange and files with the SEC under CIK 1806201. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate LPRO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Open Lending Corp directly from SEC EDGAR. Open Lending Corp's 13F Pro composite quality score has ranged between 8 and 81 since 2021, currently 20.0 — a declining long-term trajectory across 56 quarterly and live scoring snapshots.

Revenue

Q1 2026

$20.5M

Net Income

Q1 2026

$-460.0K

Free Cash Flow

Q1 2026

$-764.0K

Operating Margin

Q1 2026

-3.1%

ROIC

Q1 2026

-0.4%

D/E Ratio

Q1 2026

1.20

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+288.0% YoY

$93.2MFY 2025

FY22 $179.6MFY23 $117.5MFY24 $24.0MFY25 $93.2M

Net Income

+96.9% YoY

$-4.2MFY 2025

FY22 $66.6MFY23 $22.1MFY24 $-135.0MFY25 $-4.2M

Operating Income

+92.3% YoY

$-5.0MFY 2025

FY22 $97.6MFY23 $29.1MFY24 $-65.4MFY25 $-5.0M

EPS (Diluted)

+96.5% YoY

$-0.04FY 2025

FY22 $0.53FY23 $0.18FY24 $-1.13FY25 $-0.04

Total Assets

-20.1% YoY

$236.7MFY 2025

FY22 $379.6MFY23 $374.0MFY24 $296.4MFY25 $236.7M

Total Debt

-37.3% YoY

$92.3MFY 2025

FY22 $151.2MFY23 $148.7MFY24 $147.2MFY25 $92.3M

Op. Cash Flow

-118.1% YoY

$-3.2MFY 2025

FY22 $107.4MFY23 $82.7MFY24 $17.6MFY25 $-3.2M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2019
Revenue	$93.2M +288.0%	$24.0M -79.5%	$117.5M -34.6%	$179.6M -16.7%	$215.7M +132.3%	$92.8M
Net Income	$-4.2M +96.9%	$-135.0M -711.7%	$22.1M -66.9%	$66.6M -54.4%	$146.1M +133.6%	$62.5M
Operating Income	$-5.0M +92.3%	$-65.4M -324.9%	$29.1M -70.2%	$97.6M -35.0%	$150.3M +140.0%	$62.6M
EPS (Diluted)	$-0.04 +96.5%	$-1.13 -727.8%	$0.18 -66.0%	$0.53 -54.3%	$1.16 +139.1%	$-2.97
Total Assets	$236.7M -20.1%	$296.4M -20.8%	$374.0M -1.5%	$379.6M +19.1%	$318.8M +302.6%	$79.2M
Total Debt	$92.3M -37.3%	$147.2M -1.0%	$148.7M -1.6%	$151.2M +1.2%	$149.4M	—
Operating Cash Flow	$-3.2M -118.1%	$17.6M -78.7%	$82.7M -23.1%	$107.4M +12.9%	$95.2M +127.9%	$41.8M

AI Insight: LPRO Financial Trends

Open Lending's revenue has declined 26% from Q2 2024 to Q1 2026 while a massive Q4 2024 loss wiped out two-thirds of equity.

• Revenue fell from $27M in Q2 2024 to $20M in Q1 2026, declining 26% over eight quarters.

• Total debt decreased from $151M to $90M, a 40% reduction over the period.

• Equity collapsed from $220M in Q3 2024 to $75M in Q1 2026 following $144M net loss in Q4 2024.

⚠ Operating cash flow remains volatile, swinging from $11M positive in Q3 2024 to negative in five of eight quarters.

⚠ Operating income turned negative in Q3 2025 after brief recovery from Q4 2024 writedown.

AI Insight: LPRO Ratio Trends

Open Lending's profitability collapsed from 14.9% operating margins in Q2 2024 to negative territory by Q1 2026.

• Operating margin deteriorated from 14.9% in Q2 2024 to -3.1% in Q1 2026.

• ROE turned negative at -2.4% in Q1 2026 after peaking at 9.0% in Q4 2025.

• Debt-to-equity ratio increased from 0.70 in Q2 2024 to 1.20 in Q1 2026.

• ROIC declined from 4.3% in Q2 2024 to -1.5% in Q1 2026.

⚠ Extreme volatility with operating margin swinging from -31.9% in Q3 2025 to 3.9% in Q4 2025.

⚠ Leverage increased significantly with D/E peaking at 1.95 in Q3 2025 before moderating to 1.20.

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Available Research

13F Pro tracks comprehensive data for Open Lending Corp including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of LPRO

True Wind Capital Management, L.P.
$9.4M7,545,144 sh
BlackRock, Inc.
$9.2M7,369,885 sh
WASATCH ADVISORS LP
$8.8M7,054,107 sh
Portolan Capital Management, LLC
$8.6M6,902,888 sh
LB Partners LLC
$6.8M5,400,841 sh
Palogic Value Management, L.P.
$5.7M4,543,612 sh
VANGUARD CAPITAL MANAGEMENT LLC
$5.6M4,442,594 sh
Ethos Financial Group, LLC
$5.4M3,464,754 sh
Whetstone Capital Advisors, LLC
$4.7M3,799,105 sh
GEODE CAPITAL MANAGEMENT, LLC
$3.1M2,503,727 sh

Fund	Value	Shares
True Wind Capital Management, L.P.	$9.4M	7,545,144
BlackRock, Inc.	$9.2M	7,369,885
WASATCH ADVISORS LP	$8.8M	7,054,107
Portolan Capital Management, LLC	$8.6M	6,902,888
LB Partners LLC	$6.8M	5,400,841
Palogic Value Management, L.P.	$5.7M	4,543,612
VANGUARD CAPITAL MANAGEMENT LLC	$5.6M	4,442,594
Ethos Financial Group, LLC	$5.4M	3,464,754
Whetstone Capital Advisors, LLC	$4.7M	3,799,105
GEODE CAPITAL MANAGEMENT, LLC	$3.1M	2,503,727

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Is LPRO a good stock to buy?

13F Pro's AI-powered analysis of Open Lending Corp (LPRO) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for LPRO are available on the LPRO stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own LPRO?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling LPRO. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Open Lending Corp's investment landscape.