Open Lending (LPRO) EBT Margin (2019 - 2026)
Open Lending (LPRO) posted EBT Margin of 2.29% for Q1 2026, down 203.43% sequentially from 2.22% in Q4 2025, and down 505.0% YoY from 0.57% in Q1 2025.
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Analysis
Open Lending (LPRO) EBT Margin (2019 - 2026) Analysis & Trends
Open Lending has reported EBT Margin for 8 years, with the latest figure at 2.29% in Q1 2026.
- Quarterly EBT Margin fell 505.0% year-over-year to 2.29% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 7.29% (up 39705.0% YoY) and the FY2025 annual result came in at 5.76%, up 26316.0% from the prior year.
- EBT Margin retreated to 2.29% in Q1 2026 per LPRO's latest filing, from 2.22% in the prior quarter.
- Over five years, EBT Margin peaked at 138.07% in Q4 2024 and troughed at 53.29% in Q4 2023.
- A 5-year average of 23.7% and a median of 16.24% in 2024 frame the typical range for EBT Margin.
- The sharpest annual moves came in 2024 and 2025: EBT Margin jumped 19136 bps in 2024, then slumped 13585 bps in 2025.
- Over 5 years, EBT Margin stood at 15.3% in 2022, then plunged by 448 bps to 53.29% in 2023, then surged by 359 bps to 138.07% in 2024, then tumbled by 98 bps to 2.22% in 2025, then sank by 203 bps to 2.29% in 2026.
- According to Business Quant data, EBT Margin over the past three periods registered 2.29%, 2.22%, and 31.38% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 58.74% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 59.14% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 20.73% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 24.09% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 15.09% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 14.50% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 24.62% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 16.76% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 23.49% |
| 10 | Open Lending | 371.20 Mn | 186.25 Mn | 15.64 Mn | -2.29% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Mar 31, 2026 | -2.29% |
| Dec 31, 2025 | 2.22% |
| Sep 30, 2025 | -31.38% |
| Jun 30, 2025 | 4.40% |
| Mar 31, 2025 | 2.76% |
| Dec 31, 2024 | 138.07% |
| Sep 30, 2024 | 9.05% |
| Jun 30, 2024 | 16.24% |
| Mar 31, 2024 | 24.47% |
| Dec 31, 2023 | -53.29% |
| Sep 30, 2023 | 17.44% |
| Jun 30, 2023 | 40.65% |
| Mar 31, 2023 | 43.72% |
| Dec 31, 2022 | 15.30% |
| Sep 30, 2022 | 51.84% |
| Jun 30, 2022 | 60.92% |
| Mar 31, 2022 | 62.84% |
| Dec 31, 2021 | 67.37% |
| Sep 30, 2021 | 67.61% |
| Jun 30, 2021 | 162.34% |