{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-22-003821","form_type":"8-K","ticker":"LPRO","cik":"0001806201","company_name":"Open Lending Corp","filed_at":"2022-02-24T23:59:59+00:00","discovered_at":"2026-05-14T18:04:08.322699+00:00","generated_at":"2026-06-27T04:59:25.273243+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Open Lending Q4 revenue $51.6M, FY revenue $215.7M (+98% YoY), net income swings to profit","bullets":["Q4 2021: Revenue $51.6M (up 30% YoY), GAAP net income $27.8M vs $15.2M, adj. EBITDA $36.6M.","Full year 2021: revenue $215.7M (up 98% YoY), GAAP net income $146.1M vs net loss of $97.6M in 2020.","Q4 certified loans 42,639 (+59% YoY); FY 171,697 (+82% YoY); added 71 new customers in 2021.","Refinance channel grew to 34% of total certs in Q4; unit economics normalized after removing COVID-19 underwriting standards.","Adjusted EBITDA margin improved to 71% in Q4 (63% in Q4 2020) and 72% for full year (64% in 2020)."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-22-003821","json":"https://secwatch.observer/filing/0001628280-22-003821.json","markdown":"https://secwatch.observer/filing/0001628280-22-003821.md","text":"https://secwatch.observer/filing/0001628280-22-003821.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1806201/000162828022003821/0001628280-22-003821-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1806201/000162828022003821/lpro-20220224.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T04:59:25.273243+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}