Open Lending Corporation (LPRO)

Open Lending Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-150.35	-135.01	22.07	66.62	146.08	-97.56
Depreciation & Amortization	2.15	1.67	1.16	0.92	0.53	1.31
Stock-Based Compensation	7.9	8.68	9.49	5.45	3.82	2.83
Other Adjustments	67.07	71.37	-3.92	1.38	-25.45	137.12
Change in Receivables	12.95	13.81	47.22	38.33	-25.94	-26.98
Changes in Accounts Payable	0.76	0.58	0.09	-1	-2.16	2.11
Changes in Accrued Expenses	-1.16	-2.47	1.18	2.41	0.69	1.03
Changes in Income Taxes Payable	4.8	4.2	2.7	-8.37	-0.45	1.64
Changes in Other Operating Activities	43.88	54.77	2.67	1.7	-1.96	3.15
Operating Cash Flow	-12.02	17.6	82.66	107.43	95.16	24.64
Operating Cash Flow Growth	-	-78.71%	-23.06%	12.90%	286.19%	-41.00%
Capital Expenditures	-0.06	-0.17	-0.12	-0.24	-0.11	-1.2
Purchases of Intangible Assets	-2.01	-3.73	-2.06	-0.39	-1.88	-
Investing Cash Flow	-2.07	-3.9	-2.18	-0.62	-1.99	-1.2
Short-Term Debt Issued	-	-	-	-	50	-
Short-Term Debt Repaid	-	-	-	-25	-25	-
Net Short-Term Debt Issued (Repaid)	-	-	-	-25	25	-
Long-Term Debt Issued	-	-	-	150	125	170
Long-Term Debt Repaid	-7.5	-4.69	-3.75	-123.59	-169.19	-6.52
Net Long-Term Debt Issued (Repaid)	-7.5	-4.69	-3.75	26.41	-44.19	163.48
Issuance of Common Stock	-	-	-	-	-	105.35
Repurchase of Common Stock	-3.34	-1.45	-38.58	-18.23	-20	-37.5
Net Common Stock Issued (Repurchased)	-3.34	-1.45	-38.58	-18.23	-20	67.85
Other Financing Activities	-	-0.31	-	-0.98	-38.62	-160.52
Financing Cash Flow	-13.13	-6.45	-42.33	-17.8	-77.81	70.81
Net Cash Flow	-27.22	7.26	38.15	89.01	15.36	94.25
Free Cash Flow	-12.08	17.43	82.54	107.19	95.05	23.44
Free Cash Flow Growth	-	-78.88%	-23.00%	12.78%	305.41%	-43.73%
FCF Margin	-71.29%	72.56%	70.27%	59.69%	44.07%	21.53%
Free Cash Flow Per Share	-0.10	0.15	0.68	0.85	0.75	0.28
Levered Free Cash Flow	-107.5	-81.11	25.99	63.44	123.43	80.8
Unlevered Free Cash Flow	-99.87	-78.04	29.91	64.94	111.38	68.85

Updated Sep 30, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.

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