Open Lending Corporation (LPRO) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.477 Happy day, everyone, and welcome to the Open Lending Third Quarter 2025 00:00:05.477 -- 00:00:07.899 Earnings Conference Call. 00:00:07.899 -- 00:00:12.642 At this time, all participants are in a listen-only mode. 00:00:12.764 -- 00:00:18.010 You will have the opportunity to ask questions during the question-and-answer session. 00:00:18.010 -- 00:00:24.116 You may register to ask questions by pressing the star and 1 on your telephone keypad. 00:00:24.116 -- 00:00:28.938 You may withdraw your question from the queue by pressing star 2. 00:00:28.938 -- 00:00:33.665 Please note this call has been recorded and I will be standing by should you need any 00:00:33.665 -- 00:00:35.665 assistance. 00:00:35.948 -- 00:00:40.215 It is now my pleasure to turn the conference over to Ryan 00:00:40.215 -- 00:00:44.939 Gardella, Investor Relations. Please go ahead. 00:00:45.322 -- 00:00:49.028 Thank you. I appreciate you joining us. Prior to the start of this call, the company 00:00:49.028 -- 00:00:52.914 posted their third quarter 2025 earnings release supplemental slides to its Investor 00:00:52.914 -- 00:00:57.258 Relations website. In the release, you will find reconciliations of non-GAAP financial 00:00:57.258 -- 00:01:01.243 measures to the most comparable GAAP financial measures discussed on this call. 00:01:01.243 -- 00:01:04.268 Before we begin, I would like to remind you that this call may contain estimates or other 00:01:04.268 -- 00:01:08.133 forward-looking statements that represent the company's view as of today, November 6, 00:01:08.133 -- 00:01:10.133 2025. 00:01:10.216 -- 00:01:13.761 Open Lending disclaims any obligation to update these statements to reflect future events 00:01:13.761 -- 00:01:15.861 or circumstances. 00:01:16.285 ...