NASDAQ$LPRO

Open Lending Corporation · Q1 2023 earnings

Q1 2023 earnings · · Investor relations

Briefing

Open Lending reported first quarter 2023 financial results, exceeding expectations with revenue of $38.4 million and the certification of 32,408 loans.

Open Lending reported a solid first quarter with revenue exceeding expectations at $38.4 million. The company certified 32,408 loans and reported a net income of $12.5 million and an Adjusted EBITDA of $21.2 million.

  • The Company facilitated 32,408 certified loans during the first quarter of 2023.
  • Total revenue was $38.4 million during the first quarter of 2023.
  • Gross profit was $32.9 million during the first quarter of 2023.
  • Net income was $12.5 million during the first quarter of 2023.

Headline financials

Total Revenue

$38.4M

Previous: $50.1M-23.4%
EPS (adj)

$0.10

Previous: $0.18-44.4%
Certified Loans

32.4K

Previous: 43.9K-26.3%
Adjusted EBITDA Margin

55.0%

No prior period
Capital Expenditures

-$36K

Previous: -$186K+80.6%
Free Cash Flow

$12.5M

Previous: $23M-45.6%
Net Income

$12.5M

Previous: $23.2M-45.8%
Operating Income

$17.1M

Previous: $32.2M-47.0%
Gross Profit

$32.9M

Previous: $45.3M-27.3%
Cash & Equivalents

$211M

Previous: $147M+42.9%
Total Assets

$373M

Previous: $343M+8.8%
Stock-Based Comp

$1.84M

Previous: $1.28M+44.0%

Revenue & EPS history

Open Lending · Revenue · Quarterly

$38.4M

Q1 2023-23.4%vs Q1 2022
Beat estimate in 7 of 15 quarters(47%)
ActualEstimate

Revenue by segment

Open Lending · $38.4M total across 3 segments · Q1 2023

  • Profit Share
    $18.6M-34.3%
  • Program Fees
    $17.3M-12.3%
  • Claims Admin & Other Service Fees
    $2.46M+21.0%

Forward guidance

Based on trends into second quarter 2023, the Company is issuing guidance ranges as follows: Total Certified Loans 29,000 - 33,000, Total Revenue $33 - $37 million, Adjusted EBITDA $16 - $20 million

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 2023

Historical avgQ1 2023

-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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