Exploring Open Lending Corporation (LPRO) Investor Profile: Who’s Buying and Why?

Have you been keeping tabs on Open Lending Corporation (LPRO), and are you curious about who's investing and, more importantly, why? With recent market shifts, including a dramatic Q4 2024 earnings miss that sent the stock plummeting over 50%, alongside legal scrutiny and delayed financial filings, understanding the investor landscape is more critical than ever. The company reported a negative $56.9 million in quarterly revenue due to an $81.3 million reduction in estimated profit share revenues and a net loss of $144 million, impacted by an $86.1 million valuation allowance on deferred tax assets. Despite these challenges, analysts predict a potential turnaround within three years. Let's delve into the profiles of those who are buying, holding, or selling LPRO, and explore the factors driving their investment decisions amidst these turbulent times.

Open Lending Corporation (LPRO) Who Invests in Open Lending Corporation (LPRO) and Why?

Understanding the investor profile of Open Lending Corporation (LPRO) provides valuable insights into the market's perception of the company, its growth potential, and overall financial health. By examining the types of investors, their motivations, and typical investment strategies, a clearer picture emerges of who is betting on Open Lending Corporation (LPRO) and why.

Key Investor Types

The investor base of Open Lending Corporation (LPRO) is composed of a mix of retail and institutional investors. Each group brings different investment philosophies and expectations.

• Retail Investors: These individual investors often focus on growth stocks and may be drawn to Open Lending Corporation (LPRO)'s potential for expansion in the automotive lending market.
• Institutional Investors: These include mutual funds, pension funds, hedge funds, and insurance companies. Institutional investors typically conduct thorough due diligence and make investment decisions based on in-depth financial analysis.

Institutional ownership in Open Lending Corporation (LPRO) can significantly influence the stock's price and stability. As of Q4 2023, the top institutional holders of Open Lending Corporation (LPRO) included:

• BlackRock Fund Advisors
• Vanguard Group Inc
• Dimensional Fund Advisors LP

Investment Motivations

Investors are attracted to Open Lending Corporation (LPRO) for several key reasons:

• Growth Prospects: The company's focus on near-prime auto lending and expansion into new markets presents significant growth opportunities.
• Market Position: Open Lending Corporation (LPRO)'s technology and services cater to a specific niche within the auto lending industry.
• Financial Performance: Revenue growth and profitability metrics attract investors looking for solid financial returns.

Open Lending Corporation (LPRO) has demonstrated its ability to generate revenue through its core services. For instance, in the 2024 fiscal year, the company reported revenue of $123.9 million, with a net income of $19.4 million. This financial performance underscores the company's potential for continued growth and profitability, making it an attractive investment for those seeking financial returns.

Investment Strategies

The investment strategies employed by Open Lending Corporation (LPRO) investors vary depending on their investment goals and risk tolerance:

• Long-Term Holding: Many institutional investors adopt a long-term holding strategy, viewing Open Lending Corporation (LPRO) as a growth stock with potential for sustained appreciation over several years.
• Short-Term Trading: Some investors, particularly hedge funds, may engage in short-term trading strategies to capitalize on price fluctuations and market volatility.
• Value Investing: Value investors look for companies that are undervalued by the market. If Open Lending Corporation (LPRO)'s stock price is perceived to be below its intrinsic value, value investors may accumulate shares.

A comparative look at Open Lending Corporation (LPRO)’s key financial metrics against industry benchmarks and its closest competitors can provide additional context.

These figures indicate that Open Lending Corporation (LPRO) is performing strongly compared to its industry peers, which can further bolster investor confidence.

To gain more insights into Open Lending Corporation's history, mission, ownership structure, and business model, explore: Open Lending Corporation (LPRO): History, Ownership, Mission, How It Works & Makes Money

Open Lending Corporation (LPRO) Institutional Ownership and Major Shareholders of Open Lending Corporation (LPRO)

Institutional investors play a significant role in the ownership structure of Open Lending Corporation (LPRO). As of recent filings, institutional investors hold a substantial percentage of the company's shares. Understanding who these major players are and how their investment strategies impact LPRO is crucial for current and potential investors.

As of April 15, 2025, Open Lending Corporation (LPRO) has 319 institutional owners and shareholders that have filed 13D/G or 13F forms with the Securities Exchange Commission (SEC). These institutions hold a total of 101,976,939 shares. The share price as of April 15, 2025 is $0.90 / share. Previously, on April 16, 2024, the share price was $4.80 / share. This represents a decline of 81.35% over that period.

Here’s a detailed look at the top institutional investors and their influence on Open Lending Corporation.

Top Institutional Investors

The largest institutional investors in Open Lending Corporation (LPRO), based on recent reports, include:

• Wasatch Advisors LP: Holding 16.74 million shares, representing 13.97% of the company.
• Price (T. Rowe) Associates Inc: With 12.66 million shares, accounting for 10.57% of the ownership.
• Vanguard Group Inc: Holding 10.18 million shares, which represents an 8.50% stake.
• Working Capital Advisors (UK) Ltd: Owns 9,134,937 shares.
• BlackRock, Inc.: Holding 7,788,739 shares.
• True Wind Capital Management, L.P.: Holding 7,545,144 shares.

These major shareholders can significantly influence the company's stock price and strategic decisions.

Changes in Ownership

Institutional ownership in Open Lending Corporation has seen some recent changes. For example:

• Wasatch Advisors increased its holdings by 1.34% in a prior filing, with an increase of portfolio allocation in LPRO by 1.86% over the last quarter.
• Price T Rowe Associates increased its holdings from 10,748K shares to 11,735K shares in a prior filing.

However, it's important to note that there have also been institutional sellers in the last 12 months, with total institutional outflows amounting to $20.84 million.

Impact of Institutional Investors

The substantial ownership by institutional investors can have several impacts on Open Lending Corporation:

• Stock Price Influence: Large institutional holdings can exert considerable influence over the stock price. Significant buying or selling activity by these institutions can lead to price volatility.
• Strategic Influence: Major shareholders may influence corporate strategy and governance. Their views on key issues such as executive compensation, mergers, and acquisitions can impact company decisions.
• Stability and Confidence: High institutional ownership can sometimes signal confidence in the company's prospects, as these investors typically have extensive research capabilities.
• Risk of Crowded Trade: A high concentration of institutional ownership can also present risks. If many institutions hold a large portion of the stock, a 'crowded trade' scenario can emerge. Should the trade go wrong, a rush to sell could lead to market instability.

It's also worth noting that Open Lending is covered by 13 analysts, with 7 of them submitting revenue or earnings estimates used as inputs for reports. These submissions are updated throughout the day, providing ongoing insights into the company's financial performance.

Recent events have also impacted investor confidence. On March 17, 2025, Open Lending disclosed it would be unable to timely file its Annual Report for 2024, causing the stock price to fall by 9.3%. Further, the release of the fourth quarter and full year 2024 financial results on March 31, 2025, revealed a negative quarterly revenue of $56.9 million and a net loss of $144 million, leading to a significant stock price drop.

Given these factors, investors should carefully monitor the activity of major institutional shareholders and stay informed about the company's financial performance and strategic direction. In addition to understanding the shareholder profile, it's also important to be aware of the company's core values. You can explore more about this here: Mission Statement, Vision, & Core Values of Open Lending Corporation (LPRO).

Open Lending Corporation (LPRO) Key Investors and Their Impact on Open Lending Corporation (LPRO)

Understanding the investor profile of Open Lending Corporation (LPRO) is crucial for gauging market sentiment and potential stock performance. Key investors can significantly influence company decisions and stock movements through their holdings and trading activities.

While specific, real-time major investor updates and their direct influence require constant monitoring of SEC filings and financial news, we can look at general types of investors and their potential impact based on typical investment strategies. Keep in mind that information is dynamic and can change rapidly.

Institutional investors, mutual funds, hedge funds, and individual investors are likely to hold shares of Open Lending Corporation (LPRO). Here's how these groups generally influence the company:

• Institutional Investors: These include large entities like pension funds, insurance companies, and university endowments. They often hold substantial shares and can influence corporate governance through voting rights. Their investment decisions are typically based on in-depth research and analysis.
• Mutual Funds: These funds pool money from many investors to invest in a diversified portfolio. Their trading activity can impact stock prices, especially if a fund needs to buy or sell a significant number of shares.
• Hedge Funds: These funds use various strategies, including leverage and short-selling, to generate returns. Their investment horizons can be shorter-term, leading to more volatile trading patterns.
• Individual Investors: These are retail investors who buy and sell shares for their own accounts. While individual investors may not have the same level of influence as institutional investors, their collective activity can still affect stock prices.

To get the most up-to-date information on Open Lending Corporation (LPRO)'s major shareholders, you would typically consult resources like:

• SEC Filings: Review the company's 13F filings, which disclose the holdings of institutional investment managers with at least $100 million in assets under management.
• Financial News Outlets: Monitor reputable financial news sources for reports on significant investor activity.
• Investor Relations: Check Open Lending Corporation (LPRO)'s investor relations website for press releases and investor presentations.

Recent moves by key investors, such as buying or selling large stakes, can provide insights into their confidence in the company's prospects. Activist investors may also take positions in Open Lending Corporation (LPRO) to push for changes in corporate strategy or governance.

Here is a hypothetical example of how recent investor moves might be presented (note: this is purely illustrative and not based on actual data):

Keep in mind that significant changes in investor holdings or sentiment can impact Open Lending Corporation (LPRO)'s stock price. Monitoring these trends is essential for making informed investment decisions. Analyzing the financial health of the company is also very important, you can find more information here: Breaking Down Open Lending Corporation (LPRO) Financial Health: Key Insights for Investors

Open Lending Corporation (LPRO) Market Impact and Investor Sentiment

Understanding the investor profile and market sentiment surrounding Open Lending Corporation (LPRO) is crucial for assessing the company's current standing and potential future performance. Analyzing major shareholders' attitudes, recent market reactions, and analyst perspectives provides a comprehensive view of the forces shaping LPRO's trajectory.

Investor Sentiment: The sentiment of major shareholders towards Open Lending Corporation plays a significant role in the stock's stability and potential growth. While specific, real-time sentiment data is dynamic and can fluctuate, observing the actions of major institutional investors can provide insight. For instance, increased buying activity may indicate a positive outlook, while significant selling could suggest concerns about the company's future. As of recent data, institutional investors hold a substantial percentage of Open Lending Corporation's stock. Notable firms include BlackRock and Vanguard, among others. These firms' investment decisions are often driven by in-depth analysis of the company's financial health, market position, and growth prospects. Keep tabs on major shareholders' actions to gauge overall sentiment. Recent reports and filings often detail these activities, offering clues about how informed investors view LPRO's prospects.

Recent Market Reactions: The stock market's reaction to changes in ownership or large investor moves can be a telling sign of market confidence in Open Lending Corporation. Significant investments or divestments by major shareholders often trigger price fluctuations. Positive reactions to such moves can reinforce investor confidence, while negative reactions may signal underlying concerns. Monitoring these reactions helps in understanding the market's short-term and medium-term outlook on LPRO. Tracking LPRO's stock performance following major announcements or investor actions provides valuable context. For example, a positive earnings report coupled with increased institutional buying could lead to a stock price surge, reflecting strong market approval. Conversely, disappointing news or a major sell-off by a key investor might cause a price decline.

Analyst Perspectives: Financial analysts' insights offer another layer of understanding regarding the impact of key investors on Open Lending Corporation's future. Analysts' ratings, price targets, and commentary can influence investor sentiment and stock performance. These experts often conduct thorough analyses of the company's financials, competitive landscape, and growth opportunities, providing informed opinions on its prospects. Analyst ratings for Open Lending Corporation can range from 'Buy' to 'Sell,' reflecting different perspectives on the stock's potential. Price targets indicate where analysts believe the stock price will move over a certain period, usually 12 months. Analyst commentary often highlights key factors driving their ratings, such as the company's financial performance, market trends, and strategic initiatives. Keep an eye on analyst reports and ratings to stay informed about professional opinions on LPRO's future.

Institutional investors possess a substantial stake in Open Lending, influencing the stock's dynamics. Here’s a glimpse into some of the major players and their positions:

• Vanguard Group Inc.: Holds a significant number of shares, reflecting a strong vote of confidence in the company's long-term prospects.
• BlackRock Fund Advisors: Another major institutional holder, indicating widespread institutional interest in Open Lending.
• Geode Capital Management, Llc: Maintains a notable position, contributing to the diverse institutional ownership of the company.

To further illustrate the ownership structure and potential influence, consider the following overview:

The concentration of institutional ownership suggests that Open Lending's stock performance and strategic decisions are closely scrutinized by sophisticated investors. Their actions and sentiments can significantly impact market perception and stock valuation.

Explore more insights into Open Lending Corporation's financial health: Breaking Down Open Lending Corporation (LPRO) Financial Health: Key Insights for Investors