{"schema_version":"secwatch.filing_event.v1","accession":"0001806201-24-000119","form_type":"8-K","ticker":"LPRO","cik":"0001806201","company_name":"Open Lending Corp","filed_at":"2024-08-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:14.588741+00:00","generated_at":"2026-05-31T11:09:16.393048+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 Q2 revenue $26.7M, net income $2.9M; certified loans 28,963, down 16% YoY","bullets":["Total revenue $26.7M, down 30% from $38.2M in Q2 2023; gross profit $21.0M vs $32.0M.","Net income $2.9M vs $11.4M in prior year; adjusted EBITDA $9.9M vs $20.7M.","Certified loans facilitated 28,963, down 16% from 34,354 in Q2 2023.","Profit share estimate reduced by $6.7M on historic vintages vs $1.2M reduction last year.","CEO cites challenging automotive lending environment but sees early signs of improvement."],"urls":{"canonical":"https://secwatch.observer/filing/0001806201-24-000119","json":"https://secwatch.observer/filing/0001806201-24-000119.json","markdown":"https://secwatch.observer/filing/0001806201-24-000119.md","text":"https://secwatch.observer/filing/0001806201-24-000119.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1806201/000180620124000119/0001806201-24-000119-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1806201/000180620124000119/lpro-20240808.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T11:09:16.393048+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"}