{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-22-028207","form_type":"8-K","ticker":"LPRO","cik":"0001806201","company_name":"Open Lending Corp","filed_at":"2022-11-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:52.222169+00:00","generated_at":"2026-06-22T09:43:11.723837+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Open Lending Q3 revenue $50.7M (-14% YoY); certified loans 42,186 (-14.5% YoY)","bullets":["Revenue $50.7M, down 14% YoY from $58.9M; net income $24.5M vs $29.4M","Certified loans 42,186 in Q3 vs 49,332 YoY, reflecting challenging auto lending environment","Adjusted EBITDA $29.4M, down from $42.1M YoY; gross profit $45.5M vs $52.5M","CEO Keith Jezek cites continued investment in go-to-market and tech, targeting growth above industry"],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-22-028207","json":"https://secwatch.observer/filing/0001628280-22-028207.json","markdown":"https://secwatch.observer/filing/0001628280-22-028207.md","text":"https://secwatch.observer/filing/0001628280-22-028207.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1806201/000162828022028207/0001628280-22-028207-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1806201/000162828022028207/lpro-20221103.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T09:43:11.723837+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":[{"claim_id":"497398bcadb911e18427049f2052f5103dc1539d","claim":"Open Lending Corp reported the fiscal quarter ended September 30, 2022 results: revenue $50.7 million, net income $24.5 million.","evidence_excerpt":"Highlights • The Company facilitated 42,186 certified loans during the third quarter of 2022, compared to 49,332 certified loans in the third quarter of 2021 • Total revenue was $50.7 million during the third quarter of 2022, compared to $58.9 million in the third quarter of 2021 • Gross profit was $45.5 million during the third quarter of 2022, compared to $52.5","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1806201/000162828022028207/0001628280-22-028207-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal quarter ended September 30, 2022"},{"label":"Revenue","value":"$50.7 million"},{"label":"Net income","value":"$24.5 million"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}