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Open Lending's Business Segments
Open Lending's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of Q1 FY2026
Reportable Segments
1
Largest Segment
Reportable
Total Revenue
$ 22
Regions Reported
-
Revenue Share by Reportable Segment - Q1 FY2026
- Reportable93.2%
Revenue by Reportable Segment - Q1 FY2026
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Reportable | $ 20 | 93.2% |
Revenue by Product & Service Category - Q1 FY2026
- Program Fee51.7%
- New certified loan originations34.8%
- Profit share31.6%
- Claims administration and other service fees9.9%
- Change in Estimated Revenue0%
Revenue by Product & Service Category - Q1 FY2026
| Category | Revenue (Millions) | % of Total |
|---|---|---|
| Program Fee | $ 11 | 51.7% |
| New certified loan originations | $ 8 | 34.8% |
| Profit share | $ 7 | 31.6% |
Product and service categories are a supplemental disclosure and are not required to sum to consolidated revenue or to the reportable segments above.
2 more categories available
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Description of Open Lending
Open Lending Corporation is a financial technology company that specializes in providing loan analytics, risk modeling, and lending automation platforms to financial institutions. The company was founded in 2000 and is based in Austin, Texas.
Open Lending's flagship platform is Lenders Protection, which is designed to enhance the credit portfolio of financial institutions by reducing risk exposure and improving the credit decisioning process. Lenders Protection enables financial institutions to approve and fund loans for borrowers who do not meet traditional underwriting standards, while still maintaining an acceptable level of risk.
The platform consists of several modules, including:
1. Loan analytics – This module provides insight into loan performance, risk, and profitability. It helps financial institutions identify trends and areas of concern, and optimize loan pricing and underwriting guidelines.
2. Risk modeling – This module is based on machine learning and statistical modeling techniques, and is used to predict borrower behavior and potential losses. Financial institutions can use this information to make more informed lending decisions.
3. Lending automation – This module streamlines the loan origination process, reducing costs and time-to-fund. It integrates with the financial institution's existing systems and can be used for various loan types, including auto, personal, and small business loans.
Open Lending works with a wide range of financial institutions, including banks, credit unions, and other lenders. The company has over 800 customer relationships and has facilitated the funding of over 5 million loans since its founding.
In addition to Lenders Protection, Open Lending offers other products and services, including training and support, compliance services, and custom analytics. The company is committed to delivering innovative solutions that help financial institutions grow their loan portfolios, while also managing risk and complying with regulatory requirements.
Open Lending's flagship platform is Lenders Protection, which is designed to enhance the credit portfolio of financial institutions by reducing risk exposure and improving the credit decisioning process. Lenders Protection enables financial institutions to approve and fund loans for borrowers who do not meet traditional underwriting standards, while still maintaining an acceptable level of risk.
The platform consists of several modules, including:
1. Loan analytics – This module provides insight into loan performance, risk, and profitability. It helps financial institutions identify trends and areas of concern, and optimize loan pricing and underwriting guidelines.
2. Risk modeling – This module is based on machine learning and statistical modeling techniques, and is used to predict borrower behavior and potential losses. Financial institutions can use this information to make more informed lending decisions.
3. Lending automation – This module streamlines the loan origination process, reducing costs and time-to-fund. It integrates with the financial institution's existing systems and can be used for various loan types, including auto, personal, and small business loans.
Open Lending works with a wide range of financial institutions, including banks, credit unions, and other lenders. The company has over 800 customer relationships and has facilitated the funding of over 5 million loans since its founding.
In addition to Lenders Protection, Open Lending offers other products and services, including training and support, compliance services, and custom analytics. The company is committed to delivering innovative solutions that help financial institutions grow their loan portfolios, while also managing risk and complying with regulatory requirements.
Open Lending Corporation is a prominent player in the financial sector, specializing in lending services tailored for banks, credit unions, and various financial institutions. The company operates through two primary segments: Lenders Protection and Loan Analytics, each of which is designed to address specific needs within the lending ecosystem.
Segments
1. Lenders Protection
The Lenders Protection segment primarily focuses on services intended to mitigate credit risk while enhancing profitability for lenders. This segment encompasses a variety of products and services aimed at safeguarding financial institutions against potential loan defaults.
- Lenders Protection Platform: At the heart of this segment is the flagship Lenders Protection product. This platform facilitates risk-based pricing strategies, enabling financial institutions to assess the risk profiles of potential borrowers through advanced machine learning algorithms. The platform analyzes information from loan applications, allowing lenders to offer personalized interest rates and loan terms based on individual creditworthiness, thus optimizing their lending processes.
- Insurance and Loan Loss Protection: Open Lending Corporation offers a suite of insurance services, including loan loss protection, designed to shield financial institutions from losses that may occur due to borrower default or payment delinquency. This type of coverage can help stabilize balance sheets and maintain profitability despite occasional setbacks in repayment.
Loan Analytics
The Loan Analytics segment provides comprehensive services that involve the analysis of loan data, allowing financial institutions to fine-tune their lending operations and better understand the behaviors of their borrowers.
- Loan Analytics Product: The flagship product within this segment is the Loan Analytics platform, which delivers in-depth analysis and insights on various aspects of loan performance. It includes metrics related to borrower demographics, repayment trends, and other critical performance indicators. By leveraging this data, lenders can refine their underwriting policies and improve risk assessment processes.
- Consulting Services: Open Lending Corporation enhances its analytics offerings with consulting services that help clients develop more effective lending strategies. This includes assistance with strategic planning, process optimization, and comprehensive risk management approaches tailored to the unique needs of each institution.
- Data Management and Reporting: The company provides robust data management and reporting services, allowing financial institutions to efficiently aggregate and interpret loan data. This functionality is crucial for decision-making, regulatory compliance, and enhancing customer service practices. Through detailed reporting, lenders can identify emerging trends and adapt to changing market conditions.
Products and Services
Open Lending Corporations portfolio of products and services encompasses a broad array of offerings designed to address the needs of financial institutions comprehensively:
1. Lenders Protection: The central offering that empowers lenders to implement risk-based pricing through a sophisticated digital platform. This product helps financial institutions enhance their competitiveness in the lending market.
2. Insurance and Loan Loss Protection: Tailored protection plans designed to mitigate financial losses related to borrower defaults, ensuring that lenders can manage their risk exposure effectively.
3. Loan Analytics: A data-driven product that provides actionable insights into loan performance metrics, facilitating enhanced decision-making by lenders regarding their portfolios.
4. Consulting: Strategic consulting services that support financial institutions in optimizing their lending processes, improving operational efficiencies, and implementing best practices in risk management.
5. Data Management and Reporting: Services focused on the structured aggregation and analysis of loan data, enabling institutions to make informed, data-driven decisions and fulfill regulatory requirements.
Conclusion
Open Lending Corporation presents a comprehensive suite of products and services designed specifically for the financial sector. By emphasizing the reduction of credit risk and the improvement of lending operations, the company serves as a crucial partner for banks, credit unions, and other financial institutions seeking to enhance their lending capabilities and overall performance in an increasingly competitive environment. This strategic focus on advanced analytics and protective measures underpins Open Lendings value proposition and its reputation in the marketplace.
Segments
1. Lenders Protection
The Lenders Protection segment primarily focuses on services intended to mitigate credit risk while enhancing profitability for lenders. This segment encompasses a variety of products and services aimed at safeguarding financial institutions against potential loan defaults.
- Lenders Protection Platform: At the heart of this segment is the flagship Lenders Protection product. This platform facilitates risk-based pricing strategies, enabling financial institutions to assess the risk profiles of potential borrowers through advanced machine learning algorithms. The platform analyzes information from loan applications, allowing lenders to offer personalized interest rates and loan terms based on individual creditworthiness, thus optimizing their lending processes.
- Insurance and Loan Loss Protection: Open Lending Corporation offers a suite of insurance services, including loan loss protection, designed to shield financial institutions from losses that may occur due to borrower default or payment delinquency. This type of coverage can help stabilize balance sheets and maintain profitability despite occasional setbacks in repayment.
Loan Analytics
The Loan Analytics segment provides comprehensive services that involve the analysis of loan data, allowing financial institutions to fine-tune their lending operations and better understand the behaviors of their borrowers.
- Loan Analytics Product: The flagship product within this segment is the Loan Analytics platform, which delivers in-depth analysis and insights on various aspects of loan performance. It includes metrics related to borrower demographics, repayment trends, and other critical performance indicators. By leveraging this data, lenders can refine their underwriting policies and improve risk assessment processes.
- Consulting Services: Open Lending Corporation enhances its analytics offerings with consulting services that help clients develop more effective lending strategies. This includes assistance with strategic planning, process optimization, and comprehensive risk management approaches tailored to the unique needs of each institution.
- Data Management and Reporting: The company provides robust data management and reporting services, allowing financial institutions to efficiently aggregate and interpret loan data. This functionality is crucial for decision-making, regulatory compliance, and enhancing customer service practices. Through detailed reporting, lenders can identify emerging trends and adapt to changing market conditions.
Products and Services
Open Lending Corporations portfolio of products and services encompasses a broad array of offerings designed to address the needs of financial institutions comprehensively:
1. Lenders Protection: The central offering that empowers lenders to implement risk-based pricing through a sophisticated digital platform. This product helps financial institutions enhance their competitiveness in the lending market.
2. Insurance and Loan Loss Protection: Tailored protection plans designed to mitigate financial losses related to borrower defaults, ensuring that lenders can manage their risk exposure effectively.
3. Loan Analytics: A data-driven product that provides actionable insights into loan performance metrics, facilitating enhanced decision-making by lenders regarding their portfolios.
4. Consulting: Strategic consulting services that support financial institutions in optimizing their lending processes, improving operational efficiencies, and implementing best practices in risk management.
5. Data Management and Reporting: Services focused on the structured aggregation and analysis of loan data, enabling institutions to make informed, data-driven decisions and fulfill regulatory requirements.
Conclusion
Open Lending Corporation presents a comprehensive suite of products and services designed specifically for the financial sector. By emphasizing the reduction of credit risk and the improvement of lending operations, the company serves as a crucial partner for banks, credit unions, and other financial institutions seeking to enhance their lending capabilities and overall performance in an increasingly competitive environment. This strategic focus on advanced analytics and protective measures underpins Open Lendings value proposition and its reputation in the marketplace.