Open Lending (LPRO) FCF Margin (2019 - 2026)

Open Lending's (LPRO) quarterly FCF Margin came in at 3.73% in Q1 2026, up 1431.0% year-on-year from 0.24% in Q1 2025, and down 111.54% quarter-over-quarter from 32.3% in Q4 2025.

Open Lending (LPRO) FCF Margin (2019 - 2026) Analysis & Trends

Open Lending has disclosed FCF Margin across 8 years of filings, most recently posting 3.73% for Q1 2026.

  • FCF Margin for Q1 2026 came in at 3.73%, up 1431.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 0.43% (up 913.0% YoY), and the FY2025 annual result was 3.49%, down 6121.0% from the prior year.
  • FCF Margin came in at 3.73% for Q1 2026 at Open Lending, down from 32.3% in the prior quarter.
  • In the past five years, FCF Margin ranged from a high of 98.41% in Q4 2023 to a low of 23.71% in Q3 2025.
  • The 5-year median for FCF Margin is 40.21% (2023), against an average of 36.85%.
  • Across the five-year window, FCF Margin surged 3130 bps in 2022 and tumbled 8621 bps in 2024, its largest moves.
  • Open Lending's FCF Margin stood at 83.03% in 2022, then increased by 19 bps to 98.41% in 2023, then plunged by 88 bps to 12.21% in 2024, then jumped by 165 bps to 32.3% in 2025, then slumped by 112 bps to 3.73% in 2026.
  • The last three FCF Margin figures came in at 3.73% (Q1 2026), 32.3% (Q4 2025), and 23.71% (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Margin (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 23.37%
2 Mastercard 437.55 Bn 427.34 Bn - 33.56%
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 14.04%
4 Capital One Financial 112.47 Bn 35.97 Bn - 35.91%
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 10.81%
6 Synchrony Financial 24.26 Bn 3.70 Bn - 45.78%
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 6,779.64%
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn -216.52%
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 65.22%
10 Open Lending 248.51 Mn 248.51 Mn 15.64 Mn -3.73%

Historic Data

Download Data
DateValue
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%