NASDAQ$LPRO
Open Lending Corporation · Q4 2021 earnings
Q4 2021 earnings · · Investor relations
Briefing
Reported financial results, showing growth in certified loan facilitation, revenue, and net income compared to the previous year.
Open Lending Corporation reported strong financial results for Q4 2021, with a significant increase in certified loans, revenue, and net income compared to Q4 2020. The company also issued full year 2022 guidance.
- Facilitated 42,639 certified loans, an increase from 26,822 in Q4 2020.
- Total revenue reached $51.6 million, up from $39.6 million in Q4 2020.
- GAAP net income was $27.8 million, compared to $15.2 million in Q4 2020.
- Adjusted EBITDA was $36.6 million, compared to $24.8 million in Q4 2020.
Headline financials
Revenue & EPS history
Open Lending · Revenue · Quarterly
$51.6M
Revenue by segment
Open Lending · $51.6M total across 3 segments · Q4 2021
- Profit Share$31.2M+20.4%60.4%
- Program Fees$18.5M+49.0%35.8%
- Claims Admin & Other Service Fees$1.95M+47.7%3.8%
Forward guidance
The Company is issuing full year guidance of the following: Total Certified Loans 195,000 - 225,000, Total Revenue $210 - 240 million, Adjusted EBITDA $135 - 160 million, Adjusted Operating Cash Flow $140 - 165 million.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports · overlaid with Q4 2021
-0.7%
Avg return
Earnings day
+0.8%
Avg return
5 days after
+4.8%
Avg return
30 days after
54%
15 / 28 earnings
Positive
+26.7%
Q1 2023
Best reaction
-57.6%
Q4 2024
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +17.3% | +14.2% | — | |
| 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% | |
| Q1 2019 | +5.3% | +8.7% | +16.7% | |
| Q4 2019 | +5.3% | +8.7% | +16.7% | |
| Q2 2019 | +5.3% | +8.7% | +16.7% | |
| Q1 2020 | +5.3% | +8.7% | +16.7% | |
| Q2 2020 | -2.4% | +0.3% | +16.4% |
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