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.
Open Lending (LPRO) EBT Margin (2019 - 2026) Analysis & Trends
Open Lending (LPRO) has 8 years of EBT Margin data on file, last reported 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.
- The five-year high for EBT Margin was 138.07% in Q4 2024, with the low at 53.29% in Q4 2023.
- Average EBT Margin over 5 years is 23.7%, with a median of 16.24% recorded in 2024.
- Year-over-year, EBT Margin soared 19136 bps in 2024 and plunged 13585 bps in 2025.
- Open Lending's EBT Margin stood at 15.3% in 2022, then sank by 448 bps to 53.29% in 2023, then soared by 359 bps to 138.07% in 2024, then plunged by 98 bps to 2.22% in 2025, then slumped by 203 bps to 2.29% in 2026.
- Business Quant data shows LPRO's EBT Margin at 2.29% in Q1 2026, 2.22% in Q4 2025, and 31.38% in Q3 2025.
Powered by 
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 63.88% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 57.30% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 19.98% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 16.68% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 32.10% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 18.14% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 19.03% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 27.07% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 16.65% |
| 10 | Open Lending | 366.29 Mn | 181.34 Mn | 15.64 Mn | -2.29% |
Historic Data
Download 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% |