Open Lending (LPRO) FCF Margin (2019 - 2026)
Open Lending (LPRO) posted FCF Margin of 3.73% for Q1 2026, down 111.54% sequentially from 32.3% in Q4 2025, and up 1431.0% YoY from 0.24% in Q1 2025.
Open Lending (LPRO) FCF Margin (2019 - 2026) Analysis & Trends
Open Lending (LPRO) has 8 years of FCF Margin data on file, last reported at 3.73% in Q1 2026.
- Quarterly FCF Margin rose 1431.0% year-over-year to 3.73% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 0.43% (up 913.0% YoY) and the FY2025 annual result came in at 3.49%, down 6121.0% from the prior year.
- FCF Margin retreated to 3.73% in Q1 2026 per LPRO's latest filing, from 32.3% in the prior quarter.
- The five-year high for FCF Margin was 98.41% in Q4 2023, with the low at 23.71% in Q3 2025.
- Average FCF Margin over 5 years is 36.85%, with a median of 40.21% recorded in 2023.
- Year-over-year, FCF Margin soared 3130 bps in 2022 and sank 8621 bps in 2024.
- Open Lending's FCF Margin stood at 83.03% in 2022, then advanced by 19 bps to 98.41% in 2023, then sank by 88 bps to 12.21% in 2024, then jumped by 165 bps to 32.3% in 2025, then tumbled by 112 bps to 3.73% in 2026.
- Business Quant data shows LPRO's FCF Margin at 3.73% in Q1 2026, 32.3% in Q4 2025, and 23.71% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 23.37% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 33.56% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 14.04% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 10.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 6,779.64% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | -216.52% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 65.22% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 46.37% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.37% |
| 10 | Open Lending | 366.29 Mn | 181.34 Mn | 15.64 Mn | -3.73% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -3.73% |
| Dec 31, 2025 | 32.30% |
| Sep 30, 2025 | -23.71% |
| Jun 30, 2025 | 2.49% |
| Mar 31, 2025 | -18.03% |
| Dec 31, 2024 | 12.21% |
| Sep 30, 2024 | 47.99% |
| Jun 30, 2024 | -5.46% |
| Mar 31, 2024 | 35.80% |
| Dec 31, 2023 | 98.41% |
| Sep 30, 2023 | 81.09% |
| Jun 30, 2023 | 40.21% |
| Mar 31, 2023 | 76.83% |
| Dec 31, 2022 | 83.03% |
| Sep 30, 2022 | 61.70% |
| Jun 30, 2022 | 41.58% |
| Mar 31, 2022 | 63.67% |
| Dec 31, 2021 | 51.73% |
| Sep 30, 2021 | 61.61% |
| Jun 30, 2021 | 21.78% |