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| 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% |