Open Lending (LPRO) EBITDA Margin (2019 - 2026)
Open Lending (LPRO) posted EBITDA Margin of 3.09% for Q1 2026, down 178.94% sequentially from 3.91% in Q4 2025, and down 621.0% YoY from 0.59% in Q1 2025.
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Analysis
Open Lending (LPRO) EBITDA Margin (2019 - 2026) Analysis & Trends
Open Lending has reported EBITDA Margin for 8 years, with the latest figure at 3.09% in Q1 2026.
- Quarterly EBITDA Margin fell 621.0% year-over-year to 3.09% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 7.17% (up 39991.0% YoY) and the FY2025 annual result came in at 5.37%, up 26677.0% from the prior year.
- EBITDA Margin slipped to 3.09% in Q1 2026 per LPRO's latest filing, from 3.91% in the prior quarter.
- Over five years, EBITDA Margin peaked at 138.0% in Q4 2024 and troughed at 55.41% in Q4 2023.
- A 5-year average of 24.08% and a median of 17.44% in 2023 frame the typical range for EBITDA Margin.
- The sharpest annual moves came in 2024 and 2025: EBITDA Margin soared 19341 bps in 2024, then tumbled 13409 bps in 2025.
- Over 5 years, EBITDA Margin stood at 17.8% in 2022, then tumbled by 411 bps to 55.41% in 2023, then soared by 349 bps to 138.0% in 2024, then plunged by 97 bps to 3.91% in 2025, then tumbled by 179 bps to 3.09% in 2026.
- According to Business Quant data, EBITDA Margin over the past three periods registered 3.09%, 3.91%, and 31.86% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 59.12% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 60.22% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 17.85% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 49.39% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 16.44% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 12.63% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 44.85% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 1.47% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 44.97% |
| 10 | Open Lending | 371.20 Mn | 186.25 Mn | 15.64 Mn | -3.09% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Mar 31, 2026 | -3.09% |
| Dec 31, 2025 | 3.91% |
| Sep 30, 2025 | -31.86% |
| Jun 30, 2025 | 4.65% |
| Mar 31, 2025 | 3.12% |
| Dec 31, 2024 | 138.00% |
| Sep 30, 2024 | 7.95% |
| Jun 30, 2024 | 14.93% |
| Mar 31, 2024 | 23.82% |
| Dec 31, 2023 | -55.41% |
| Sep 30, 2023 | 17.44% |
| Jun 30, 2023 | 41.20% |
| Mar 31, 2023 | 44.57% |
| Dec 31, 2022 | 17.80% |
| Sep 30, 2022 | 54.86% |
| Jun 30, 2022 | 63.04% |
| Mar 31, 2022 | 64.40% |
| Dec 31, 2021 | 68.23% |
| Sep 30, 2021 | 69.18% |
| Jun 30, 2021 | 73.42% |