Open Lending (LPRO) Asset Utilization Ratio (2020 - 2026)
Open Lending (LPRO) posted Asset Utilization Ratio of 0.38 for Q1 2026, up 7.4% sequentially from 0.36 in Q4 2025, and up 548.92% YoY from 0.06 in Q1 2025.
Open Lending (LPRO) Asset Utilization Ratio (2020 - 2026) Analysis & Trends
Open Lending (LPRO) has 7 years of Asset Utilization Ratio data on file, last reported at 0.38 in Q1 2026.
- Quarterly Asset Utilization Ratio rose 548.92% year-over-year to 0.38 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 0.38 (up 548.92% YoY) and the FY2025 annual result came in at 0.35, up 388.0% from the prior year.
- Asset Utilization Ratio grew to 0.38 in Q1 2026 per LPRO's latest filing, from 0.36 in the prior quarter.
- The five-year high for Asset Utilization Ratio was 0.67 in Q1 2022, with the low at 0.05 in Q2 2025.
- Average Asset Utilization Ratio over 5 years is 0.33, with a median of 0.34 recorded in 2023.
- Year-over-year, Asset Utilization Ratio slumped 79.79% in 2025 and soared 548.92% in 2026.
- Open Lending's Asset Utilization Ratio stood at 0.46 in 2022, then plunged by 32.77% to 0.31 in 2023, then tumbled by 77.62% to 0.07 in 2024, then surged by 412.15% to 0.36 in 2025, then grew by 7.4% to 0.38 in 2026.
- Business Quant data shows LPRO's Asset Utilization Ratio at 0.38 in Q1 2026, 0.36 in Q4 2025, and 0.06 in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 0.45 |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 0.64 |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 0.24 |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 0.42 |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 0.16 |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 0.08 |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 0.04 |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 0.14 |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 0.00 |
| 10 | Open Lending | 366.29 Mn | 181.34 Mn | 15.64 Mn | 0.38 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 0.38 |
| Dec 31, 2025 | 0.36 |
| Sep 30, 2025 | 0.06 |
| Jun 30, 2025 | 0.05 |
| Mar 31, 2025 | 0.06 |
| Dec 31, 2024 | 0.07 |
| Sep 30, 2024 | 0.25 |
| Jun 30, 2024 | 0.26 |
| Mar 31, 2024 | 0.29 |
| Dec 31, 2023 | 0.31 |
| Sep 30, 2023 | 0.34 |
| Jun 30, 2023 | 0.41 |
| Mar 31, 2023 | 0.45 |
| Dec 31, 2022 | 0.46 |
| Sep 30, 2022 | 0.53 |
| Jun 30, 2022 | 0.60 |
| Mar 31, 2022 | 0.67 |
| Dec 31, 2021 | 0.70 |
| Sep 30, 2021 | 0.73 |
| Jun 30, 2021 | 0.59 |