Open Lending (LPRO) Equity Ratio (2018 - 2026)

Open Lending (LPRO) posted Equity Ratio of 0.33 for Q1 2026, up 2.9% sequentially from 0.32 in Q4 2025, and up 24.2% YoY from 0.26 in Q1 2025.

Open Lending (LPRO) Equity Ratio (2018 - 2026) Analysis & Trends

Open Lending (LPRO) has 9 years of Equity Ratio data on file, last reported at 0.33 in Q1 2026.

  • Quarterly Equity Ratio rose 24.2% year-over-year to 0.33 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 0.33 (up 24.2% YoY) and the FY2025 annual result came in at 0.32, up 20.2% from the prior year.
  • Equity Ratio improved to 0.33 in Q1 2026 per LPRO's latest filing, from 0.32 in the prior quarter.
  • The five-year high for Equity Ratio was 0.58 in Q3 2022, with the low at 0.25 in Q3 2025.
  • Average Equity Ratio over 5 years is 0.46, with a median of 0.55 recorded in 2023.
  • Year-over-year, Equity Ratio surged 335.11% in 2022 and slumped 54.56% in 2025.
  • Open Lending's Equity Ratio stood at 0.56 in 2022, then retreated by 1.96% to 0.55 in 2023, then plunged by 52.06% to 0.26 in 2024, then grew by 20.2% to 0.32 in 2025, then rose by 2.9% to 0.33 in 2026.
  • Business Quant data shows LPRO's Equity Ratio at 0.33 in Q1 2026, 0.32 in Q4 2025, and 0.25 in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Equity Ratio (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 0.38
2 Mastercard 465.55 Bn 455.34 Bn - 0.13
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 0.11
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 0.25
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 0.29
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 0.20
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 0.08
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 0.18
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 0.66
10 Open Lending 366.29 Mn 181.34 Mn 15.64 Mn 0.33

Historic Data

Download Data
DateValue
Mar 31, 2026 0.33
Dec 31, 2025 0.32
Sep 30, 2025 0.25
Jun 30, 2025 0.27
Mar 31, 2025 0.26
Dec 31, 2024 0.26
Sep 30, 2024 0.56
Jun 30, 2024 0.57
Mar 31, 2024 0.56
Dec 31, 2023 0.55
Sep 30, 2023 0.56
Jun 30, 2023 0.57
Mar 31, 2023 0.55
Dec 31, 2022 0.56
Sep 30, 2022 0.58
Jun 30, 2022 0.57
Mar 31, 2022 0.54
Dec 31, 2021 0.50
Sep 30, 2021 0.44
Jun 30, 2021 0.37