{"schema_version":"secwatch.filing_event.v1","accession":"0001806201-24-000142","form_type":"8-K","ticker":"LPRO","cik":"0001806201","company_name":"Open Lending Corp","filed_at":"2024-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.712687+00:00","generated_at":"2026-05-30T03:44:58.979567+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 Q3 revenue $23.5M, down 9.6% YoY; net income $1.4M vs $3.0M","bullets":["Certified loans fell to 27,435 from 29,959 YoY, a decline of 8.4%.","Revenue $23.5M, hit by $7.0M reduction in profit share estimates for historic vintages.","Net income dropped to $1.4M ($0.01 EPS) from $3.0M; adjusted EBITDA $7.8M vs $10.3M.","CEO says results near or above high-end of guidance for certified loans, revenue, adj. EBITDA excl. estimate change.","Management sees improving auto inventory, retail sales and affordability, but no updated guidance provided."],"urls":{"canonical":"https://secwatch.observer/filing/0001806201-24-000142","json":"https://secwatch.observer/filing/0001806201-24-000142.json","markdown":"https://secwatch.observer/filing/0001806201-24-000142.md","text":"https://secwatch.observer/filing/0001806201-24-000142.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1806201/000180620124000142/0001806201-24-000142-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1806201/000180620124000142/lpro-20241107.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T03:44:58.979567+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"}