Open Lending (LPRO) Interest Coverage Ratio (2019 - 2026)
Open Lending (LPRO) posted Interest Coverage Ratio of 0.48 for Q1 2026, down 239.81% sequentially from 0.34 in Q4 2025, and down 261.83% YoY from 0.29 in Q1 2025.
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Analysis
Open Lending (LPRO) Interest Coverage Ratio (2019 - 2026) Analysis & Trends
Open Lending has reported Interest Coverage Ratio for 8 years, with the latest figure at 0.48 in Q1 2026.
- Quarterly Interest Coverage Ratio fell 261.83% year-over-year to 0.48 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 0.76 (up 88.21% YoY) and the FY2025 annual result came in at 0.52, up 31.81% from the prior year.
- Interest Coverage Ratio declined to 0.48 in Q1 2026 per LPRO's latest filing, from 0.34 in the prior quarter.
- Over five years, Interest Coverage Ratio peaked at 26.7 in Q2 2022 and troughed at 27.57 in Q4 2024.
- A 5-year average of 3.22 and a median of 1.46 in 2024 frame the typical range for Interest Coverage Ratio.
- The sharpest annual moves came in 2022 and 2024: Interest Coverage Ratio jumped 174.28% in 2022, then tumbled 922.06% in 2024.
- Over 5 years, Interest Coverage Ratio stood at 2.08 in 2022, then tumbled by 229.83% to 2.7 in 2023, then sank by 922.06% to 27.57 in 2024, then jumped by 101.24% to 0.34 in 2025, then tumbled by 239.81% to 0.48 in 2026.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 0.48, 0.34, and 3.17 for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 35.45 |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 25.63 |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 1.95 |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 1.24 |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 2.22 |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 0.05 |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 0.50 |
| 10 | Open Lending | 371.20 Mn | 186.25 Mn | 15.64 Mn | -0.48 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Mar 31, 2026 | -0.48 |
| Dec 31, 2025 | 0.34 |
| Sep 30, 2025 | -3.17 |
| Jun 30, 2025 | 0.49 |
| Mar 31, 2025 | 0.29 |
| Dec 31, 2024 | -27.57 |
| Sep 30, 2024 | 0.63 |
| Jun 30, 2024 | 1.46 |
| Mar 31, 2024 | 2.64 |
| Dec 31, 2023 | -2.94 |
| Sep 30, 2023 | 1.62 |
| Jun 30, 2023 | 5.92 |
| Mar 31, 2023 | 7.16 |
| Dec 31, 2022 | 2.08 |
| Sep 30, 2022 | 17.28 |
| Jun 30, 2022 | 29.19 |
| Mar 31, 2022 | 40.15 |
| Dec 31, 2021 | 72.04 |
| Sep 30, 2021 | 42.48 |
| Jun 30, 2021 | 40.00 |