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Ratios
Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on Capital EmployedReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Open Lending (LPRO) EBT Margin (2019 - 2026)

Open Lending's EBT Margin history spans 7 years, with the latest figure at 2.22% for Q4 2025.

  • On a quarterly basis, EBT Margin fell 13585.0% to 2.22% in Q4 2025 year-over-year; TTM through Dec 2025 was 5.76%, a 26316.0% increase, with the full-year FY2025 number at 5.76%, up 26316.0% from a year prior.
  • EBT Margin hit 2.22% in Q4 2025 for Open Lending, up from 31.38% in the prior quarter.
  • Over the last five years, EBT Margin for LPRO hit a ceiling of 162.34% in Q2 2021 and a floor of 53.29% in Q4 2023.
  • Historically, EBT Margin has averaged 37.1% across 5 years, with a median of 31.93% in 2021.
  • Biggest five-year swings in EBT Margin: skyrocketed 38192bps in 2021 and later plummeted -13585bps in 2025.
  • Tracing LPRO's EBT Margin over 5 years: stood at 67.37% in 2021, then plummeted by -77bps to 15.3% in 2022, then crashed by -448bps to 53.29% in 2023, then skyrocketed by 359bps to 138.07% in 2024, then plummeted by -98bps to 2.22% in 2025.
  • Business Quant data shows EBT Margin for LPRO at 2.22% in Q4 2025, 31.38% in Q3 2025, and 4.4% in Q2 2025.