LPRO (Open Lending) EPS (Basic): $-0.04 (TTM As of Mar. 2026)

What is Open Lending EPS (Basic)?

Open Lending LPRO +0.32% 71 EPS (Basic) is $-0.04 as of Mar. 2026. GuruFocus rates LPRO with a GF Score™ of 71/100 and a GF Value™ of $5.73 (Possible Value Trap). The stock has 6 warning signs investors should review.

Open Lending's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was $0.00. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was $-0.04.

Open Lending's EPS (Diluted) for the three months ended in Mar. 2026 was $0.00. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $-0.04.

Open Lending's EPS without NRI for the three months ended in Mar. 2026 was $0.00. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was -0.04.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

Open Lending (NAS:LPRO) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Open Lending EPS (Basic) Related Terms

Open Lending EPS (Basic) Historical Data

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The historical data trend for Open Lending's EPS (Basic) can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Open Lending EPS (Basic) Chart

Open Lending Annual Data

Trend

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

EPS (Basic)

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1.16

0.53

0.18

-1.13

-0.04

Open Lending Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
EPS (Basic)	Get a 7-Day Free Trial															0.01	0.01	-0.06	0.01	0.00

71GF Score

Open Lending Corp LPRO

EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.

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Open Lending EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Open Lending's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )	=	(Net Income	-	Preferred Dividends)	/	Shares Outstanding (Basic Average)
	=	(-4.236	-	0)	/	118.603
	=	-0.04

Open Lending's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )	=	(Net Income	-	Preferred Dividends)	/	Shares Outstanding (Basic Average)
	=	(-0.46	-	0)	/	117.778
	=	-0.00

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.04

Frequently Asked Questions Learn more about EPS (Basic) →

What does a EPS (Basic) of $-0.04 mean?

Open Lending (LPRO) has a EPS (Basic) of $-0.04 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Open Lending and its competitors.

Is Open Lending's EPS (Basic) too high?

Open Lending's current EPS (Basic) is $-0.04. Overall, Open Lending has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.

How does Open Lending's EPS (Basic) compare to OPRT and MFIN?

Open Lending's EPS (Basic) of $-0.04 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good EPS (Basic) for a Credit Services company?

A good EPS (Basic) depends on the Credit Services industry context. However, EPS (Basic) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high EPS (Basic) mean?

A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Open Lending and its competitors. Open Lending's current EPS (Basic) is $-0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Open Lending stock overvalued right now?

Based on GuruFocus' analysis, Open Lending (LPRO) is currently considered Possible Value Trap. The stock's GF Value™ is $5.73, compared to a current price of $3.13 — trading 45.5% below its estimated fair value. The current EPS (Basic) is $-0.04. Open Lending's overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is EPS (Basic) calculated?

EPS (Basic) is calculated from a company's financial statements. For Open Lending (LPRO), the current EPS (Basic) is $-0.04 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Open Lending (LPRO) Overvalued in 2026?

Based on GuruFocus' analysis, Open Lending stock appears to be undervalued. The current stock price of $3.13 is trading 45.5% below its estimated GF Value™ of $5.73. GuruFocus considers Open Lending to be Possible Value Trap.

Key valuation signals for LPRO:

EPS (Basic): $-0.04
GF Value™: $5.73 vs. price of $3.13 (45.5% below fair value)
GF Score™: 71/100 with 6 warning signs

No single metric tells the full story. See the LPRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Open Lending Business Description

Industry Financial Services Credit Services

Comparable Companies OPRT MFIN JFIN CPSS RM PMTS XYF ANTA FOA LX V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Address 1501 S. Mopac Expressway, Suite 450, Austin, TX, USA, 78746

Website https://www.openlending.com

Open Lending Corp is a provider of lending enablement and risk analytics to credit unions, regional banks, finance companies and the captive finance companies of automakers (OEM captive finance companies). Through its flagship product, LPP, its customers, collectively referred to herein as automotive lenders or lenders, make automotive consumer loans to underserved near-prime and non-prime borrowers by harnessing its risk-based interest rate pricing models, powered by its proprietary data and real-time underwriting of automotive loan default insurance coverage from insurers.

71GF Score

Get the complete analysis for LPRO

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$3.13

Price

$5.73

GF Value

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