{"schema_version":"secwatch.filing_event.v1","accession":"0001806201-23-000026","form_type":"8-K","ticker":"LPRO","cik":"0001806201","company_name":"Open Lending Corp","filed_at":"2023-02-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:46.668105+00:00","generated_at":"2026-06-19T03:11:54.759405+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Open Lending Q4 2022 revenue $26.8M, net loss $4.2M; FY revenue $179.6M, down 17% YoY","bullets":["Q4 2022 certified loans 34,550 vs 42,639 YoY; total revenue $26.8M vs $51.6M; net loss $4.2M vs net income $27.8M.","FY 2022 certified loans 165,211 vs 171,697; total revenue $179.6M vs $215.7M; net income $66.6M vs $146.1M.","Q4 2022 revenue impacted by $12.8M reduction in estimated future revenues related to historic vintages.","Adjusted EBITDA Q4 $8.5M vs $36.6M; FY $105.7M vs $155.0M.","CEO cites worst vehicle sales in nearly a decade, historic wholesale used car value declines, and record vehicle affordability challenges."],"urls":{"canonical":"https://secwatch.observer/filing/0001806201-23-000026","json":"https://secwatch.observer/filing/0001806201-23-000026.json","markdown":"https://secwatch.observer/filing/0001806201-23-000026.md","text":"https://secwatch.observer/filing/0001806201-23-000026.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1806201/000180620123000026/0001806201-23-000026-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1806201/000180620123000026/lpro-20230223.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T03:11:54.759405+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"}