{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-22-021079","form_type":"8-K","ticker":"LPRO","cik":"0001806201","company_name":"Open Lending Corp","filed_at":"2022-08-04T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.103052+00:00","generated_at":"2026-06-24T04:25:45.598594+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Open Lending Q2 revenue $52M (-15% YoY); net income $23.1M; lowers FY 2022 guidance","bullets":["Revenue $52.0M vs $61.1M in Q2 2021; net income $23.1M vs $76.0M.","Adjusted EBITDA $34.0M vs $46.1M YoY; gross profit $47.0M (90.4% margin).","Certified loans 44,531, down 4% from 46,408 in Q2 2021.","Added 18 new customers; top 10 non-OEM customers increased certification volume 33% YoY.","Updated FY 2022 guidance to reflect auto lending headwinds; expects auto originations in line with 2021."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-22-021079","json":"https://secwatch.observer/filing/0001628280-22-021079.json","markdown":"https://secwatch.observer/filing/0001628280-22-021079.md","text":"https://secwatch.observer/filing/0001628280-22-021079.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1806201/000162828022021079/0001628280-22-021079-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1806201/000162828022021079/lpro-20220804.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T04:25:45.598594+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"}