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Open Lending (LPRO) investor relations material
Open Lending Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Facilitated 26,522 certified loans in Q2 2025, down from 28,963 year-over-year, reflecting a strategic shift toward higher-quality originations and a decrease in loan volume.
Total revenue for Q2 2025 was $25.3M, down from $26.7M in Q2 2024, with net income at $1.0M, down from $2.9M year-over-year.
Adjusted EBITDA was $4.1M (margin 16%), down from $6.8M (margin 25%) in Q2 2024.
Early extension of AmTrust partnership through 2033, reinforcing business stability and insurance capacity.
Share repurchase program authorized up to $25M; $4M spent in Q2 2025 to repurchase nearly 2M shares at $2.00 per share.
Financial highlights
Q2 2025 revenue: $25.3M (down 5% year-over-year); net income: $1.0M (down 64%); gross profit: $19.8M (down from $21.0M); adjusted EBITDA: $4.1M (margin 16%).
Operating expenses increased to $18.6M, driven by one-time severance charges.
Average loan size increased to $29,535, reflecting a focus on higher-value lending.
Gross margin was 78% in Q2 2025, down from 79% year-over-year.
Basic and diluted EPS for Q2 2025 were $0.01, compared to $0.02 in Q2 2024.
Outlook and guidance
Q3 2025 certified loans expected between 22,500 and 24,500, indicating a further decrease in loan volume.
2025 is viewed as a transition year, with growth expected to resume in 2026 after foundational improvements and improved underwriting.
Targeting profitability based on program and TPA fees alone by 2026.
Management expects operating expenses to decrease as a percentage of revenue in the near term.
Existing cash resources and revolving credit facility expected to provide sufficient liquidity for near-term needs.
Why did certified loans decrease in Q2 2025?
Explain the early extension with AmTrust.
Detail the strategy to increase profitability.
Why did AmTrust extend the agreement early?
Assess the sustainability of positive profit share.
Explain the decline in Q3 certified loan guidance.
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Next Open Lending earnings date
Q3 20256 Nov, 2025
Next Open Lending earnings date
Q3 20256 Nov, 2025
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Frequently asked questions
Open Lending provides one of the most advanced, automated decision platforms for auto loan underwriting, pricing, and risk analytics. The company has partnerships with some of the largest financial institutions in the United States, helping them maximize lending efficiency, profitability and risk mitigation, while lowering consumer cost and time to fund.
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