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Open Lending Class A financial statements

NASDAQ:LPRO · Nasdaq
$3.14+0.00%
2026-08-03 close

Open Lending Class A's published financial data is dated 2026-10-04. 2024 revenue was $24M. 2024 operating profit was −$65M.

Reported results

Financial safety

Reference indicatorAs of 2024
Distress zoneFinancial-metric reference signal
Altman Z'' zoneZ'' 0.33
Distress
Grey
Safe
The marker shows the current Z'' value within the displayed zones.
Altman Z''
0.33
Beneish M-Score
54.63

Statistical manipulation-risk signal

Sloan accrual
-51.49%

부실·조작 위험을 나타내는 사실 지표입니다. 투자 조언이 아니며, 검증 전이라 참고용입니다.

Factual information, not investment advice.

Earnings quality · Piotroski F-Score

2/9Weak

Piotroski measures year-over-year financial improvement, not absolute quality.

Financial improvement score2/9

Profitability

  • Positive ROANot passed
  • Positive OCFPass
  • Improving ΔROANot passed
  • Accruals (OCF > net income)Pass

Leverage & liquidity

  • Lower debtNot passed
  • Higher current ratioNot passed
  • No new sharesNot passed

Efficiency

  • Higher gross marginNot passed
  • Higher asset turnoverNot passed

Calculation note: F7(신주)은 equity/asset 유지로 근사

Already-stable companies may score lower when year-over-year improvement is limited.

Factual information, not investment advice.

Forensic signals

Anomaly and structural signals observed in the financial statements.

Margin trendWarning

영업이익률 악화 (24.8% → -272.1%, -296.9%p). 통계적 정황 신호이며 회계부정 단정이 아닙니다.

Margin trendWarning

영업외손익 급변 (영업이익 대비 96% 규모 변동) — 일회성 손익 주의. 통계적 정황 신호이며 회계부정 단정이 아닙니다.

Factual information, not investment advice.

Risk sensitivity — adverse assumptions

Metric changes under stated assumptions; not a forecast or investment advice.

Base metrics

Operating margin
-272.1%
Interest coverage
-5.8x
Return on equity (ROE)
-172.9%

Operating margin −5pp

Operating loss
Interest coverageBase -5.8x adverse case -5.9x
Return on equity (ROE)Base -172.9% adverse case -99.8%

Revenue −15%

Interest coverage risk
Interest coverageBase -5.8x adverse case -4.9x
Return on equity (ROE)Base -172.9% adverse case -85.7%

Interest rate +2pp

Interest coverage risk
Interest coverageBase -5.8x adverse case -4.2x
Return on equity (ROE)Base -172.9% adverse case -103.8%

Interest coverage limit

Already below the limit by 319.2pp

Interest coverage limit at an operating margin of 47.1%

Interest expense coverage threshold

Open Lending Class A notifications

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