Open Lending Ratios (2018-2025) | LPRO

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Ratios Dec2018 Jun2019 Sep2019 Dec2019 Mar2020 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Profitability
Gross Margin 91.79%91.30%91.22%85.69%91.72%91.61%92.51%92.36%93.23%89.17%90.82%90.44%90.23%89.74%81.75%85.84%83.97%79.35%64.09%81.30%78.62%73.90%111.01%75.06%78.23%78.00%
EBT Margin 69.51%66.76%66.99%46.95%-219.57%-225.50%41.35%39.38%162.34%67.61%67.37%62.84%60.92%51.84%15.30%43.72%40.65%17.44%-53.29%24.47%16.24%9.05%138.07%2.76%4.40%-31.38%
EBIT Margin 69.81%67.03%66.56%51.23%17.88%65.70%61.28%66.91%73.42%69.18%68.23%64.40%63.04%54.86%17.80%44.57%41.20%17.44%-55.41%23.82%14.93%7.95%138.00%3.12%4.65%-31.86%
EBITDA Margin 69.81%67.03%66.56%51.23%17.88%65.70%61.28%66.91%73.42%69.18%68.23%64.40%63.04%54.86%17.80%44.57%41.20%17.44%-55.41%23.82%14.93%7.95%138.00%3.12%4.65%-31.86%
Operating Margin 69.81%67.03%66.56%51.23%17.88%65.70%61.28%66.91%73.42%69.18%68.23%64.40%63.04%54.86%17.80%44.57%41.20%17.44%-55.41%23.82%14.93%7.95%138.00%3.12%4.65%-31.86%
Net Margin 69.43%66.58%66.88%87.40%-226.67%-239.01%38.36%29.23%124.28%49.95%53.92%46.25%44.44%48.42%-15.62%32.68%29.80%11.55%-32.41%16.55%10.86%6.07%253.67%2.35%4.01%-31.32%
FCF Margin 54.68%48.29%40.11%20.80%12.42%20.60%42.79%21.78%58.58%51.60%63.52%41.29%61.76%83.75%76.14%40.90%75.39%108.34%33.71%-9.14%44.63%7.96%-18.03%2.49%-23.71%
Efficiency
Assets Average 68.42M122.09M240.72M294.46M310.40M293.97M277.19M306.03M330.78M354.77M382.89M389.30M376.26M379.85M385.09M378.71M377.32M381.70M389.25M346.04M300.30M300.44M292.16M
Equity Average -214.98M30.45M33.40M68.63M112.33M143.29M171.18M195.42M220.37M223.05M209.19M212.35M216.94M210.15M208.56M214.16M218.62M149.28M78.96M79.39M75.89M
Invested Capital -133.79M-234.78M-464.25M34.28M184.37M40.19M97.08M127.59M305.24M183.38M207.47M233.27M360.26M205.55M219.15M214.72M205.58M211.54M216.78M220.46M78.09M79.83M78.95M72.83M
Asset Utilization Ratio 1.330.720.400.370.440.590.730.700.670.600.530.460.450.410.340.310.290.260.250.070.060.050.06
Leverage & Solvency
Interest Coverage Ratio 214.39211.67206.6111.691.085.476.718.9540.0042.4872.0440.1529.1917.282.087.165.921.62-2.942.641.460.63-27.570.290.49-3.17
Debt to Equity 0.00-0.334.505.744.241.491.130.900.780.680.620.680.690.650.660.680.650.630.611.691.631.631.74
Debt Ratio 0.010.830.520.520.520.550.490.450.420.380.360.380.380.370.370.370.360.350.340.450.430.430.44
Equity Ratio -2.32-2.96-2.490.120.090.120.370.440.500.540.570.580.560.550.570.560.550.560.570.560.260.260.270.25
Times Interest Earned 214.39211.67206.6111.691.085.476.718.9540.0042.4872.0440.1529.1917.282.087.165.921.62-2.942.641.460.63-27.570.290.49-3.17
Dividends & Payouts
FCF Payout Ratio 0.840.9619.360.03
Valuation
Enterprise Value -11.07M295.05M-28.66M-117.77M-104.15M-129.64M-60.05M-93.76M-119.51M-150.44M-171.11M-205.16M-208.55M-215.30M-229.78M-238.41M-246.71M-255.07M-252.47M-260.95M-253.92M-246.85M-241.34M-233.73M
Return Ratios
Return on Sales 0.69%0.67%0.67%0.47%-2.26%-2.39%0.38%0.29%1.24%0.50%0.54%0.46%0.44%0.48%-0.16%0.33%0.30%0.12%-0.32%0.17%0.11%0.06%2.54%0.02%0.04%-0.31%
Return on Capital Employed 0.41%0.22%0.20%0.27%0.42%0.54%0.51%0.48%0.41%0.35%0.26%0.23%0.18%0.12%0.08%0.05%0.02%0.01%-0.22%-0.28%-0.30%-0.35%
Return on Invested Capital -0.25%0.56%0.78%0.86%0.96%0.53%0.48%0.54%0.46%0.23%0.21%0.22%0.11%0.11%0.07%0.03%0.02%-0.92%-1.78%-1.78%-1.98%
Return on Assets 0.84%-0.08%-0.40%-0.33%-0.30%0.11%0.48%0.48%0.47%0.29%0.26%0.17%0.15%0.12%0.06%0.06%0.04%0.02%0.01%-0.39%-0.46%-0.47%-0.51%
Return on Equity 0.44%-3.21%-2.78%0.48%1.19%1.02%0.91%0.53%0.45%0.30%0.27%0.21%0.10%0.11%0.07%0.03%0.02%-0.90%-1.77%-1.78%-1.98%