{"schema_version":"secwatch.filing_event.v1","accession":"0001806201-26-000023","form_type":"8-K","ticker":"LPRO","cik":"0001806201","company_name":"Open Lending Corp","filed_at":"2026-03-12T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.246938+00:00","generated_at":"2026-05-15T13:44:54.351382+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Open Lending Q4 net income $1.7M vs loss $144.4M; revenue jumps to $19.3M","bullets":["Certified loans Q4: 19,308 vs 26,065 YoY; full year 97,348 vs 110,652.","Q4 total revenue $19.3M vs ($56.9M); full year $93.2M vs $24.0M.","Q4 net income $1.7M vs loss $144.4M; full year net loss $4.2M vs $135.0M.","Q4 adjusted EBITDA $2.8M vs ($75.9M); full year $15.6M vs ($55.0M).","CEO cites progress; launched ApexOne Auto platform for full credit spectrum."],"urls":{"canonical":"https://secwatch.observer/filing/0001806201-26-000023","json":"https://secwatch.observer/filing/0001806201-26-000023.json","markdown":"https://secwatch.observer/filing/0001806201-26-000023.md","text":"https://secwatch.observer/filing/0001806201-26-000023.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1806201/000180620126000023/0001806201-26-000023-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1806201/000180620126000023/lpro-20260312.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T13:44:54.351382+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"}