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.
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Analysis
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.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 52.76% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 37.82% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 22.78% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 50.96% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 20.44% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | -1,112.06% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 50.23% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | -327.16% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 59.19% |
| 10 | Open Lending | 371.20 Mn | 186.25 Mn | 15.64 Mn | -5.14% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Mar 31, 2026 | -5.14% |
| Dec 31, 2025 | 27.56% |
| Sep 30, 2025 | -23.71% |
| Jun 30, 2025 | 2.49% |
| Mar 31, 2025 | -18.03% |
| Dec 31, 2024 | 7.96% |
| Sep 30, 2024 | 44.63% |
| Jun 30, 2024 | -9.14% |
| Mar 31, 2024 | 33.71% |
| Dec 31, 2023 | 108.34% |
| Sep 30, 2023 | 75.39% |
| Jun 30, 2023 | 40.90% |
| Mar 31, 2023 | 76.14% |
| Dec 31, 2022 | 83.75% |
| Sep 30, 2022 | 61.76% |
| Jun 30, 2022 | 41.29% |
| Mar 31, 2022 | 63.52% |
| Dec 31, 2021 | 51.60% |
| Sep 30, 2021 | 58.58% |
| Jun 30, 2021 | 21.78% |