risk analytics uh in financial services. Now why and how does that matter. Um let's just cover that for one second.Um I was with London Stock Exchange Group. One of our assets was LCH uh London London Clearing House. LCH um clears approximately uh one and a half quadrillion dollars a year.Okay, let that sink in. $1,500 trillion. Um the way that clearing occurs is after the trade happens the post trade process where there are two parties in a trade the post trade process says that once that trade has been um ...

Core Viewpoint - Open Lending Corporation reported significant improvements in financial performance for the fourth quarter and full year ended December 31, 2025, highlighting a focus on disciplined underwriting and pricing strategies to ensure sustainable growth in 2026 [2][3]. Financial Highlights Three Months Ended December 31, 2025 - The company facilitated 19,308 certified loans, a decrease from 26,065 in the same quarter of 2024 [6]. - Total revenue reached $19.3 million, a significant recovery from a loss of $56.9 million in Q4 2024 [6]. - Gross profit was $14.7 million, compared to a gross loss of $63.2 million in Q4 2024 [6]. - Net income was $1.7 million, a turnaround from a net loss of $144.4 million in Q4 2024 [6]. - Adjusted EBITDA was $2.8 million, improving from a loss of $75.9 million in Q4 2024 [6]. Twelve Months Ended December 31, 2025 - The company facilitated 97,348 certified loans, down from 110,652 in the previous year [6]. - Total revenue for the year was $93.2 million, up from $24.0 million in the prior year [6]. - Gross profit was $71.7 million, compared to $0.2 million in the previous year [6]. - Net loss was reduced to $4.2 million from $135.0 million in the prior year [6]. - Adjusted EBITDA for the year was $15.6 million, compared to a loss of $55.0 million in the previous year [6]. Business Developments - The launch of the ApexOne Auto platform expanded Open Lending's capabilities across the full auto credit spectrum, transitioning the company from a single-product to a full-scope lending platform [3]. - The company made a voluntary principal debt repayment of $48.0 million in December 2025 [11]. - Credit unions and banks represented 89.4% of certified loans in Q4 2025, an increase from 85.4% in Q4 2024 [11]. Financial Outlook - The company expects total certified loans to be between 20,000 and 21,000 for Q1 2026 and between 100,000 and 110,000 for the full year 2026 [11]. - Adjusted EBITDA is projected to be between $25 million and $29 million for the full year 2026 [11].

[MUSIC] Hi, I'm Moiz Kohari with DDN, and we're going to show you a AI workflow that applies to all industries, financial services, life sciences, and others. At the end of the day, you're bringing in data from multiple data sources. In our case, we're bringing in direct market feed from Polygon. This market feed is going over Kafka queues and being persisted into DDN's Infinia S3 product. Once that has been persisted, we leverage NVIDIA's NIM Microservices to curate that data. And once that data has be ...