Open Lending (LPRO) Retained Earnings (2018 - 2026)
Open Lending's (LPRO) quarterly Retained Earnings came in at -$333.5 million in Q1 2026, down 1.62% year-on-year from -$338.9 million in Q1 2025, and little changed quarter-over-quarter from -$333.0 million in Q4 2025.
Open Lending (LPRO) Retained Earnings (2018 - 2026) Analysis & Trends
Open Lending has disclosed Retained Earnings across 9 years of filings, most recently posting -$333.5 million for Q1 2026.
- Retained Earnings for Q1 2026 came in at -$333.5 million, down 1.62% year-over-year; the trailing twelve-month figure through Mar 2026 was -$333.5 million (down 1.62% YoY), and the FY2025 annual result was -$333.0 million, down 1.29% from the prior year.
- Retained Earnings came in at -$333.5 million for Q1 2026 at Open Lending, roughly flat from -$333.0 million in the prior quarter.
- In the past five years, Retained Earnings ranged from a high of -$184.3 million in Q3 2024 to a low of -$334.7 million in Q3 2025.
- The 5-year median for Retained Earnings is -$215.8 million (2022), against an average of -$249.7 million.
- Across the five-year window, Retained Earnings surged 37.6% in 2022 and tumbled 81.57% in 2025, its largest moves.
- Open Lending's Retained Earnings stood at -$215.8 million in 2022, then rose by 10.23% to -$193.7 million in 2023, then sank by 69.68% to -$328.8 million in 2024, then declined by 1.29% to -$333.0 million in 2025, then retreated by 0.14% to -$333.5 million in 2026.
- The last three Retained Earnings figures came in at -$333.5 million (Q1 2026), -$333.0 million (Q4 2025), and -$334.7 million (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 13.12 Bn |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | -928.00 Mn |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 26.09 Bn |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 66.79 Bn |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 33.45 Bn |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 25.21 Bn |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | -23.59 Mn |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | -2.74 Mn |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | -2.77 Bn |
| 10 | Open Lending | 248.51 Mn | 248.51 Mn | 15.64 Mn | -333.46 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -333.46 Mn |
| Dec 31, 2025 | -333.00 Mn |
| Sep 30, 2025 | -334.68 Mn |
| Jun 30, 2025 | -327.11 Mn |
| Mar 31, 2025 | -328.14 Mn |
| Dec 31, 2024 | -328.76 Mn |
| Sep 30, 2024 | -184.32 Mn |
| Jun 30, 2024 | -185.76 Mn |
| Mar 31, 2024 | -188.66 Mn |
| Dec 31, 2023 | -193.75 Mn |
| Sep 30, 2023 | -188.91 Mn |
| Jun 30, 2023 | -191.91 Mn |
| Mar 31, 2023 | -203.28 Mn |
| Dec 31, 2022 | -215.82 Mn |
| Sep 30, 2022 | -211.63 Mn |
| Jun 30, 2022 | -236.16 Mn |
| Mar 31, 2022 | -259.29 Mn |
| Dec 31, 2021 | -282.44 Mn |
| Sep 30, 2021 | -310.16 Mn |
| Jun 30, 2021 | -339.58 Mn |