Open Lending (LPRO) FCF Margin (2019 - 2026)
Open Lending (LPRO) posted FCF Margin of 5.14% for Q1 2026, down 115.91% sequentially from 32.3% in Q4 2025, and up 1290.0% YoY from 0.37% in Q1 2025.
Open Lending (LPRO) FCF Margin (2019 - 2026) Analysis & Trends
Open Lending has reported FCF Margin for 8 years, with the latest figure at 5.14% in Q1 2026.
- Quarterly FCF Margin rose 1290.0% year-over-year to 5.14% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 0.11% (down 1137.0% YoY) and the FY2025 annual result came in at 3.49%, down 7605.0% from the prior year.
- FCF Margin declined to 5.14% in Q1 2026 per LPRO's latest filing, from 32.3% in the prior quarter.
- Over five years, FCF Margin peaked at 98.41% in Q4 2023 and troughed at 26.7% in Q3 2025.
- A 5-year average of 36.44% and a median of 41.29% in 2022 frame the typical range for FCF Margin.
- The sharpest annual moves came in 2022 and 2024: FCF Margin surged 2928 bps in 2022, then plunged 9247 bps in 2024.
- Over 5 years, FCF Margin stood at 84.3% in 2022, then climbed by 17 bps to 98.41% in 2023, then tumbled by 94 bps to 5.94% in 2024, then surged by 444 bps to 32.3% in 2025, then plunged by 116 bps to 5.14% in 2026.
- According to Business Quant data, FCF Margin over the past three periods registered 5.14%, 32.3%, and 26.7% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 52.76% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 37.82% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 22.78% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 64.06% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 20.44% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 50.23% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | -3,167.36% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -1,839.75% |
| 10 | Open Lending | 402.54 Mn | 217.59 Mn | 15.64 Mn | -5.14% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -5.14% |
| Dec 31, 2025 | 32.30% |
| Sep 30, 2025 | -26.70% |
| Jun 30, 2025 | 5.35% |
| Mar 31, 2025 | -18.03% |
| Dec 31, 2024 | 5.94% |
| Sep 30, 2024 | 54.92% |
| Jun 30, 2024 | -11.54% |
| Mar 31, 2024 | 35.80% |
| Dec 31, 2023 | 98.41% |
| Sep 30, 2023 | 78.44% |
| Jun 30, 2023 | 42.70% |
| Mar 31, 2023 | 76.14% |
| Dec 31, 2022 | 84.30% |
| Sep 30, 2022 | 61.76% |
| Jun 30, 2022 | 41.29% |
| Mar 31, 2022 | 63.52% |
| Dec 31, 2021 | 55.02% |
| Sep 30, 2021 | 58.58% |
| Jun 30, 2021 | 21.78% |