{"schema_version":"secwatch.filing_event.v1","accession":"0001806201-25-000087","form_type":"8-K","ticker":"LPRO","cik":"0001806201","company_name":"Open Lending Corp","filed_at":"2025-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:45.058991+00:00","generated_at":"2026-05-17T19:53:05.357540+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Open Lending Q2 2025 revenue $25.3M (-5% YoY); net income $1.0M vs $2.9M","bullets":["Certified loans 26,522, down 8.4% from 28,963 in Q2 2024.","Total revenue $25.3M, down 5% from $26.7M; gross profit $19.8M vs $21.0M.","Net income $1.0M vs $2.9M YoY; Adjusted EBITDA $4.1M vs $6.8M YoY.","Extended relationship with AmTrust, largest insurance provider, for over a decade.","Adjusted EBITDA definition updated to exclude interest income, prior periods conformed."],"urls":{"canonical":"https://secwatch.observer/filing/0001806201-25-000087","json":"https://secwatch.observer/filing/0001806201-25-000087.json","markdown":"https://secwatch.observer/filing/0001806201-25-000087.md","text":"https://secwatch.observer/filing/0001806201-25-000087.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1806201/000180620125000087/0001806201-25-000087-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1806201/000180620125000087/lpro-20250806.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T19:53:05.357540+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"}