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Open Lending Corporation: Business Overview, Financials & Competitive Analysis

Open Lending Corporation scores 4/10 on the AskCyborg Cyborg Score (Mixed). Recovery-stage fintech with improving unit economics but challenged by secular decline in traditional auto lending and depressed valuation. The company's stock trades at $1.33/share with a market cap of $157.17 million as of February 27, 2026. While operational improvements are evident, the company is navigating pricing model adjustments and.

What is Open Lending Corporation's industry? Open Lending Corporation (openlending.com) operates in Financial Technology / Automotive Lending Risk Analytics. AskCyborg classifies Open Lending Corporation under Financial Technology / Automotive Lending Risk Analytics in its company registry.

Open Lending provides lending enablement and risk analytics solutions to credit unions, regional banks, finance companies, and captive finance companies of automakers in the United States. The company's core offering,...

4/ 10Mixed

Cyborg Score thesis

Recovery-stage fintech with improving unit economics but challenged by secular decline in traditional auto lending and depressed...

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Industry Financial Technology / Automotive Lending Risk Analytics
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 19, 2026
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What's in This Report
Open Lending Corporation OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Open Lending Corporation Overview

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Open Lending provides lending enablement and risk analytics solutions to credit unions, regional banks, finance companies, and captive finance companies of automakers in the United States. The company's core offering, the Lenders Protection Platform (LPP), is a cloud-based automotive lending enablement platform that provides loan analytics solutions, risk-based loan pricing, risk modeling, and automated decision technology.

Strategic Profile

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Open Lending has diversified its revenue streams with the launch of Apex One Auto, a new prime credit automated decisioning platform with recurring subscription-based income. The company has delivered three consecutive quarters of positive adjusted EBITDA, indicating improved financial stability. However, the company faces challenges from shifting mobility trends and changing consumer behaviors that are structurally decreasing demand for traditional auto loans.

Competitive Landscape

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Open Lending competes in the automotive lending technology and risk analytics space against larger financial technology platforms and traditional lending infrastructure providers. The company differentiates through its cloud-based platform and specialized focus on credit unions, regional banks, and captive finance companies. Main competitors include LendingClub, Upstart, and internal technology platforms developed by larger financial institutions.

Industry Context

Open Lending Corporation operates in Financial Technology / Automotive Lending Risk Analytics.

Key facts

Founded: 2000 · Headquarters: Austin, Texas · Employees: 171 · Revenue: $1.3M · Market cap: $157.17M

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on Open Lending Corporation.

  • Company is well-positioned for 2026 growth with positive momentum in refi channel and OEM partnerships, and certified volume (excluding credit builders and super thins) is up 7% year-over-year.
  • Tightened lending standards have resulted in higher quality loan book and 8% year-over-year increase in program fee unit economics.
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Recent developments

Material events tracked by the AskCyborg corpus.

  • January 2026Appointment of Anthony Capizzano as Chief Growth Officer with 25+ years of consumer lending and auto finance experience
  • November 2025Launch of ApexOne Auto, an advanced decisioning platform for prime credit borrowers with subscription-based revenue model
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

AI-Powered Lending PlatformAI-powered lending platform for personal loans and auto finance→Online Lending MarketplacePeer-to-peer lending marketplace with consumer and auto loan focus→Automotive Finance SolutionsIntegrated automotive services including financing and analytics→

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Industry context

Open Lending Corporation operates in Financial Technology / Automotive Lending Risk Analytics. See how the rest of the sector scores on the Cyborg framework.

Top companies in Financial Technology by Cyborg Score

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Frequently asked questions

What does Open Lending Corporation do?+
Open Lending provides lending enablement and risk analytics solutions to credit unions, regional banks, finance companies, and captive finance companies of automakers in the United States. The company's core offering,...
What is Open Lending Corporation's Cyborg Score?+
Open Lending Corporation has a Cyborg Score of 4/10 (Mixed). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Open Lending Corporation's main competitors?+
Named competitors include AI-Powered Lending Platform, Online Lending Marketplace, Automotive Finance Solutions. The full competitive landscape is in the AskCyborg report.
How can I get the full Open Lending Corporation research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Open Lending Corporation research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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