Open Lending Ratios (2018-2026) | LPRO

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Ratios	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025	Mar2026
Profitability
Gross Margin (Quarter)	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 (Quarter)	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 (Quarter)	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 (Quarter)	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 (Quarter)	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 (Quarter)	124.28%	49.95%	53.92%	46.25%	44.44%	48.42%	-15.62%	32.68%	29.80%	11.55%	-32.41%	16.55%	11.00%	6.07%	253.67%	2.35%	4.09%	-31.32%	8.69%	-2.24%
FCF Margin (Quarter)	21.78%	61.61%	51.73%	63.67%	41.58%	61.70%	83.03%	76.83%	40.21%	81.09%	98.41%	35.80%	-5.46%	47.99%	12.21%	-18.03%	2.49%	-23.71%	32.30%	-3.73%
Efficiency
Assets Average (Quarter)	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
Equity Average (Quarter)	68.63M	112.33M	143.29M	171.18M	195.42M	220.37M	223.05M	209.19M	212.35M	216.94M	210.15M	208.56M	214.16M	218.62M	149.28M	78.96M	79.39M	75.89M	73.89M	75.14M
Invested Capital (Quarter)	97.08M	127.59M	305.24M	183.38M	207.47M	233.27M	360.26M	205.55M	219.15M	214.72M	205.58M	211.54M	216.78M	220.46M	78.09M	79.83M	78.95M	72.83M	74.96M	75.31M
Asset Utilization Ratio (Quarter)	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 Ratio (Quarter)	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 to Equity (Quarter)	1.49	1.13	0.90	0.78	0.68	0.62	0.68	0.69	0.65	0.66	0.68	0.65	0.63	0.61	1.69	1.63	1.63	1.74	1.03	1.00
Debt Ratio (Quarter)	0.55	0.49	0.45	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
Equity Ratio (Quarter)	0.37	0.44	0.50	0.54	0.57	0.58	0.56	0.55	0.57	0.56	0.55	0.56	0.57	0.56	0.26	0.26	0.27	0.25	0.32	0.33
Times Interest Earned (Quarter)	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 Ratio (Quarter)
Valuation
Enterprise Value (Quarter)	-60.05M	-93.76M	-119.51M	-150.44M	-171.11M	-205.16M	-208.55M	-215.30M	-229.78M	-238.41M	-246.67M	-255.07M	-252.47M	-260.95M	-253.96M	-246.85M	-241.34M	-233.73M	-188.22M	-184.95M
Return Ratios
Return on Sales (Quarter)	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 Employed (Quarter)	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 Invested Capital (Quarter)	0.01%	0.01%	0.01%	0.00%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-0.01%	-0.02%	-0.02%	-0.02%	0.00%	0.00%
Return on Assets (Quarter)	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%
Return on Equity (Quarter)	0.00%	0.01%	0.01%	0.01%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-0.01%	-0.02%	-0.02%	-0.02%	0.00%	0.00%

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Open Lending Ratios (2018-2026) | LPRO

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