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Ratios
Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on Capital EmployedReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

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

Open Lending's Net Margin history spans 7 years, with the latest figure at 8.69% for Q4 2025.

  • On a quarterly basis, Net Margin fell 24498.0% to 8.69% in Q4 2025 year-over-year; TTM through Dec 2025 was 4.57%, a 55731.0% increase, with the full-year FY2025 number at 4.54%, up 55744.0% from a year prior.
  • Net Margin hit 8.69% in Q4 2025 for Open Lending, up from 31.32% in the prior quarter.
  • Over the last five years, Net Margin for LPRO hit a ceiling of 253.67% in Q4 2024 and a floor of 32.41% in Q4 2023.
  • Historically, Net Margin has averaged 34.68% across 5 years, with a median of 22.89% in 2021.
  • Biggest five-year swings in Net Margin: surged 35095bps in 2021 and later plummeted -24498bps in 2025.
  • Tracing LPRO's Net Margin over 5 years: stood at 53.92% in 2021, then plummeted by -129bps to 15.62% in 2022, then plummeted by -108bps to 32.41% in 2023, then surged by 883bps to 253.67% in 2024, then crashed by -97bps to 8.69% in 2025.
  • Business Quant data shows Net Margin for LPRO at 8.69% in Q4 2025, 31.32% in Q3 2025, and 4.01% in Q2 2025.