NASDAQ$LPRO

Open Lending Corporation · Q1 2020 earnings

Q1 2020 earnings · · Investor relations

Headline financials

Total Revenue

$17.4M

Previous: $19.5M-10.5%
EPS (adj)

$0.40

Previous: -$0.34+217.6%
Certified Loans

28.0K

No prior period
Adjusted EBITDA Margin

54.8%

No prior period
Capital Expenditures

$83K

No prior period
Free Cash Flow

$6.99M

No prior period
Net Income

$8.17M

Previous: -$12.7M+164.3%
Operating Income

$8.93M

Previous: $12.9M-30.6%
Gross Profit

$14.9M

Previous: $18M-16.8%
Cash & Equivalents

$40.3M

No prior period
Stock-Based Comp

$487K

No prior period

Revenue & EPS history

Open Lending · Revenue · Quarterly

$17.4M

Q1 2020-10.5%vs Q1 2019
Beat estimate in 8 of 11 quarters(73%)
ActualEstimate

Revenue by segment

Open Lending · $17.4M total across 3 segments · Q1 2020

  • Program Fees
    $12.7M
  • Profit Share
    $3.77M
  • Claims Admin & Other Service Fees
    $944K

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2020

Historical avgQ1 2020

-0.6%

Avg return

Earnings day

+0.8%

Avg return

5 days after

+5.8%

Avg return

30 days after

54%

15 / 28 earnings

Positive

+26.7%

Q1 2023

Best reaction

-57.6%

Q4 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+18.7%+15.6%+31.9%
Q4 2025+19.2%+19.0%+19.8%
Q3 2025-8.9%+3.1%+13.7%
Q1 2025+19.2%+29.0%+29.7%
Q4 2024-57.6%-63.0%-53.6%
Q3 2024-12.5%-6.5%-13.1%
Q2 2024-0.2%-4.4%-1.6%
Q1 2024+6.3%+12.6%+32.6%
Q4 2023-7.8%-11.3%-21.3%
Q3 2023-7.6%-10.1%+5.5%
Q2 2023-23.8%-20.9%-22.1%
Q1 2023+26.7%+27.8%+44.8%
Q4 2022-21.2%-16.0%-14.5%
Q3 2022+0.7%-5.7%+4.4%
Q2 2022-0.6%-1.2%-14.5%
Q1 2022-7.4%-17.9%-13.7%
Q4 2021+21.6%+26.0%+20.6%
Q3 2021-17.4%-11.3%-33.3%
Q2 2021+1.2%-8.9%+6.9%
Q1 2021-1.9%+0.7%+8.5%
Q4 2020+11.9%+21.7%+16.1%
Q3 2019+2.0%+1.8%+11.9%
Q3 2020+2.8%+7.9%+19.9%
Q4 2019+5.3%+8.7%+16.7%
Q2 2019+5.3%+8.7%+16.7%
Q1 2020+5.3%+8.7%+16.7%
Q1 2019+5.3%+8.7%+16.7%
Q2 2020-2.4%+0.3%+16.4%

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