Open Lending reported a gross margin of 76.31% and a net margin of -2.24% for the quarter ended Mar 2026. These financial ratios cover 29 quarters of results from Dec 2018 through Mar 2026, standardized by Business Quant from the company’s SEC filings.
| 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 | Dec2025 | Mar2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||||||||||||||||||||||
| Gross Margin | 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% | 75.99% | 76.31% | |||||||||
| EBT Margin | 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% | 2.22% | -2.29% | |||||||||
| EBIT Margin | 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% | 3.91% | -3.09% | |||||||||
| EBITDA Margin | 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% | 3.91% | -3.09% | |||||||||
| Operating Margin | 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% | 3.91% | -3.09% | |||||||||
| Net Margin | 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% | 8.69% | -2.24% | |||||||||
| FCF Margin | 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% | 27.56% | -5.14% | |||||||||
| Efficiency | |||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 293.97M | 277.19M | 306.03M | 330.78M | 354.77M | 382.89M | 389.30M | 376.26M | 379.85M | 385.09M | 378.71M | 377.32M | 381.70M | 389.25M | 346.04M | 300.30M | 300.44M | 292.16M | 262.17M | 233.88M | |||||||||
| Asset Utilization RatioAsset Util. | 0.59 | 0.73 | 0.70 | 0.67 | 0.60 | 0.53 | 0.46 | 0.45 | 0.41 | 0.34 | 0.31 | 0.29 | 0.26 | 0.25 | 0.07 | 0.06 | 0.05 | 0.06 | 0.36 | 0.38 | |||||||||
| Leverage & Solvency | |||||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | 40.00 | 42.48 | 72.04 | 40.15 | 29.19 | 17.28 | 2.08 | 7.16 | 5.92 | 1.62 | -2.94 | 2.64 | 1.46 | 0.63 | -27.57 | 0.29 | 0.49 | -3.17 | 0.34 | -0.48 | |||||||||
| Debt Ratio | 0.55 | 0.49 | 0.46 | 0.42 | 0.38 | 0.36 | 0.38 | 0.38 | 0.37 | 0.37 | 0.37 | 0.36 | 0.35 | 0.34 | 0.45 | 0.43 | 0.43 | 0.44 | 0.33 | 0.33 | |||||||||
| Times Interest Earned | 40.00 | 42.48 | 72.04 | 40.15 | 29.19 | 17.28 | 2.08 | 7.16 | 5.92 | 1.62 | -2.94 | 2.64 | 1.46 | 0.63 | -27.57 | 0.29 | 0.49 | -3.17 | 0.34 | -0.48 | |||||||||
| Dividends & Payouts | |||||||||||||||||||||||||||||
| FCF Payout RatioFCF Cover | |||||||||||||||||||||||||||||
| Valuation | |||||||||||||||||||||||||||||
| Enterprise Value | -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 | -253.96M | -246.85M | -241.34M | -233.73M | -188.22M | -184.95M | |||||||||
| Return Ratios | |||||||||||||||||||||||||||||
| Return on SalesROS | 0.01% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |||||||||
| Return on Capital EmployedROCE | 42.30% | 53.57% | 51.12% | 48.08% | 41.38% | 35.00% | 26.09% | 22.94% | 18.07% | 11.54% | 8.12% | 5.43% | 2.11% | 1.37% | -21.88% | -28.15% | -29.51% | -34.64% | -2.35% | -3.46% | |||||||||
| Return on AssetsROA | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% |