Mar 31, 2023

Open Lending Q1 2023 Earnings Report

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

Key Takeaways

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.

Total Revenue
$38.4M
Previous year: $50.1M
-23.4%
EPS
$0.1
Previous year: $0.18
-44.4%
Certified Loans
32.41K
Previous year: 43.94K
-26.3%
Adj. EBITDA Margin
55%
Gross Profit
$32.9M
Previous year: $45.3M
-27.3%
Cash and Equivalents
$211M
Previous year: $147M
+42.9%
Free Cash Flow
$29.5M
Previous year: $31.9M
-7.5%
Total Assets
$373M
Previous year: $343M
+8.8%

Open Lending

Open Lending

Open Lending Revenue by Segment

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

Revenue & Expenses

Visualization of income flow from segment revenue to net income