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Open Lending Corporation(LPRO)Earnings, Financials & Key Ratios
LPRO•NASDAQ•Banking & Credit
Price updated Jun 19, 2026
AboutOpen Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, and non-bank auto finance companies and captive finance companies of original equipment manufacturers in the United States. It offers Lenders Protection Program (LPP), which is a Software as a Service platform that facilitates loan decision making and automated underwriting by third-party lenders and the issuance of credit default insurance through third-party insurance providers. The company's LPP products include loan analytics, risk-based loan pricing, risk modeling, and automated decision technology for automotive lenders. Open Lending Corporation was founded in 2000 and is based in Austin, Texas.Show more
- Net Interest Income-$345K-144.6%
- Total Revenue$93M+288.0%
- Net Income-$4M+96.9%
- Return on Equity-5.54%+94.2%
- Net Interest Margin-0.15%-155.9%
- Efficiency Ratio69.09%-74.7%
- ROA-1.59%+96.1%
- Equity / Assets31.67%+20.2%
- Book Value per Share0.63-3.5%
LPRO Key Insights
Open Lending Corporation (LPRO) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 46.6%
- ✓Momentum leader: RS Rating 95 (top 5%)
- ✓Well capitalized: 31.7% equity/assets
- ✓Diversified revenue: 90.0% from non-interest income
- ✓Trading near 52-week high
✗Weaknesses
- ✗Weak NIM of -0.1%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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LPRO Price & Volume
Open Lending Corporation (LPRO) stock price & volume — 10-year historical chart
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LPRO Growth Metrics
Open Lending Corporation (LPRO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-3.06%
3 Years-19.63%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM96.19%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM96.14%
Return on Capital
10 Years19.81%
5 Years13.94%
3 Years-3.62%
Last Year2.75%
LPRO Recent Earnings
Open Lending Corporation (LPRO) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (8%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
May 7, 2026Metric
Actual
Est
EPS
$0.00-139.1%
$0.01
Rev
$20M+0.4%
$20M
Q2 2026
Mar 12, 2026Metric
Actual
Est
EPS
$0.01-50.0%
$0.02
Rev
$19M-11.7%
$22M
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$0.03+200.0%
$0.01
Rev
$24M+10.3%
$22M
Q3 2025
Aug 6, 2025Metric
Actual
Est
EPS
$0.01-50.0%
$0.02
Rev
$25M+5.9%
$24M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $0.00vs $0.01-139.1% | $20Mvs $20M+0.4% |
| Q2 2026 | Mar 12, 2026 | $0.01vs $0.02-50.0% | $19Mvs $22M-11.7% |
| Q4 2025 | Nov 6, 2025 | $0.03vs $0.01+200.0% | $24Mvs $22M+10.3% |
| Q3 2025 | Aug 6, 2025 | $0.01vs $0.02-50.0% | $25Mvs $24M+5.9% |
Based on last 12 quarters of dataView full earnings history →
LPRO Peer Comparison
Open Lending Corporation (LPRO) competitors in Auto and Specialty Asset Finance — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 TREE | 541.35M | 39.07 | 3.62 | 24.12% | 15.02% | 85.96% | 1.52 | |
 UPST | 3.1B | 32.43 | 72.07 | 58.87% | 4.25% | 6.59% | 2.32 | |
 AFRM | 24.62B | 73.92 | 492.80 | 38.8% | 11.95% | 11.17% | 2.56 | |
 PRAA | 569.83M | 14.94 | -1.92 | 10.36% | -21.88% | -25% | 0.03 | |
 ENVA | 5.05B | 202.55 | 17.49 | 18.58% | 9.95% | 24.88% | 3.41 | |
 CACC | 6.04B | 579.73 | 15.44 | 8.57% | 19.61% | 29.39% | 4.17 | |
 DT | 12.07B | 41.42 | 76.70 | 18.82% | 8.06% | 6% | 0.06 | |
 ALLY | 14.3B | 45.49 | 19.19 | -25.75% | 5.61% | 5.74% | 1.40 |
Compare LPRO vs Peers
Open Lending Corporation (LPRO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
LPRO Income Statement
Open Lending Corporation (LPRO) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 0 | -328K | -298K | -11.4M | -5.65M | -3.84M | -326K | 773K | -345K | -93K |
NII Growth % | - | - | 9.15% | -3725.17% | 50.47% | 32.04% | 91.5% | 337.12% | -144.63% | -199.05% |
Net Interest Margin % | 0% | -0.12% | -0.38% | -3.88% | -1.77% | -1.01% | -0.09% | 0.26% | -0.15% | -0.04% |
Interest Income | 408K | 13K | 24K | 202K | 213K | 2M | 10.34M | 12.09M | 9.32M | 8.31M |
Interest Expense | 0 | 341K | 322K | 11.6M | 5.86M | 5.83M | 10.66M | 11.32M | 9.66M | 8.4M |
Loan Loss Provision | 3.02M | 4.26M | 7.48M | -1.81M | 12.76M | 14.14M | 11.62M | 12.54M | 13.15M | 11.92M |
Non-Interest Income | 31.97M | 52.18M | 92.82M | 108.69M | 215.44M | 177.6M | 107.13M | 11.93M | 83.9M | 81.01M |
Non-Interest Income % | 98.74% | 99.98% | 99.97% | 99.81% | 99.9% | 98.89% | 91.2% | 49.68% | 90.01% | 90.7% |
Total Revenue | 32.38M▲ 0% | 52.19M▲ 61.2% | 92.85M▲ 77.9% | 108.89M▲ 17.3% | 215.66M▲ 98.0% | 179.59M▼ 16.7% | 117.46M▼ 34.6% | 24.02M▼ 79.5% | 93.22M▲ 288.0% | 89.31M▲ 0% |
Revenue Growth % | - | 61.19% | 77.9% | 17.28% | 98.04% | -16.72% | -34.6% | -79.55% | 288.02% | 115.64% |
Non-Interest Expense | 30.68K | 19.11M | 22.43M | 42.39M | 46.74M | 62.01M | 66.1M | 65.55M | 64.41M | 75.39M |
Efficiency Ratio | 0.09% | 36.62% | 24.15% | 38.93% | 21.68% | 34.53% | 56.28% | 272.84% | 69.09% | 84.41% |
Operating Income | -30.68K▲ 0% | 28.47M▲ 92909.6% | 62.62M▲ 119.9% | 56.72M▼ 9.4% | 150.29M▲ 165.0% | 97.61M▼ 35.0% | 29.07M▼ 70.2% | -65.38M▼ 324.9% | 5.99M▲ 109.2% | -6.4M▲ 0% |
Operating Margin % | -0.09% | 54.56% | 67.44% | 52.09% | 69.69% | 54.35% | 24.75% | -272.14% | 6.43% | -7.17% |
Operating Income Growth % | - | 92909.65% | 119.9% | -9.42% | 164.98% | -35.05% | -70.21% | -324.86% | 109.17% | - |
Pretax Income | -30.68K▲ 0% | 28.32M▲ 92388.6% | 62.51M▲ 120.8% | -90.99M▼ 245.6% | 191.17M▲ 310.1% | 93.54M▼ 51.1% | 28.86M▼ 69.1% | -64.61M▼ 323.9% | -5.37M▲ 91.7% | -6.51M▲ 0% |
Pretax Margin % | -0.09% | 54.25% | 67.33% | -83.56% | 88.65% | 52.08% | 24.57% | -268.92% | -5.76% | -7.29% |
Income Tax | 0 | 37K | -30K | 6.57M | 45.09M | 26.92M | 6.79M | 70.41M | -1.13M | -1.2M |
Effective Tax Rate % | 0% | 0.13% | -0.05% | -7.22% | 23.58% | 28.78% | 23.52% | -108.98% | 21.1% | 18.41% |
Net Income | -30.68K▲ 0% | 28.28M▲ 92268.0% | 62.54M▲ 121.2% | -97.56M▼ 256.0% | 146.08M▲ 249.7% | 66.62M▼ 54.4% | 22.07M▼ 66.9% | -135.01M▼ 711.7% | -4.24M▲ 96.9% | -5.31M▲ 0% |
Net Margin % | -0.09% | 54.18% | 67.36% | -89.6% | 67.74% | 37.09% | 18.79% | -561.98% | -4.54% | -5.95% |
Net Income Growth % | - | 92268.05% | 121.17% | -255.99% | 249.73% | -54.4% | -66.87% | -711.74% | 96.86% | 96.19% |
Net Income (Continuing) | -30.68K | 28.28M | 62.54M | -97.56M | 146.08M | 66.62M | 22.07M | -135.01M | -4.24M | -5.31M |
EPS (Diluted) | -0.00▲ 0% | 0.31▲ 31100.0% | 1.66▲ 435.5% | -1.18▼ 171.1% | 1.16▲ 198.3% | 0.53▼ 54.3% | 0.18▼ 66.0% | -1.13▼ 727.8% | -0.04▲ 96.8% | -0.05▲ 0% |
EPS Growth % | - | - | 435.48% | -171.08% | 198.31% | -54.31% | -66.04% | -727.78% | 96.84% | 96.14% |
EPS (Basic) | -0.00 | 0.31 | 1.66 | -1.18 | 1.16 | 0.53 | 0.18 | -1.13 | -0.04 | - |
Diluted Shares Outstanding | 31.25M | 91.85M | 37.63M | 82.91M | 126.39M | 126.26M | 121.47M | 119.18M | 118.6M | 117.78M |
LPRO Balance Sheet
Open Lending Corporation (LPRO) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 25K | 1.18M | 7.68M | 101.51M | 116.45M | 204.45M | 240.21M | 243.16M | 176.61M | 814.36M |
Cash & Due from Banks | 25K | 1.18M | 7.68M | 101.51M | 116.45M | 204.45M | 240.21M | 243.16M | 176.61M | 184.95M |
Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Investments | 0 | 278.32M | 0 | 0 | 0 | 0 | 0 | 5.09M | 2.89M | 2.38M |
Investments Growth % | - | - | -100% | - | - | - | - | - | -43.21% | -221.95% |
Long-Term Investments | 0 | 278.32M | 0 | 0 | 0 | 0 | 0 | 5.09M | 2.89M | 5.27M |
Accounts Receivables | 0 | 10.41M | 3.77M | 4.35M | 6.53M | 5.72M | 33.32M | 15.03M | 25.84M | 26.32M |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5.39M | 4.05M | 3.82M |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5.39M | 4.05M | 3.82M |
PP&E (Net) | 0 | 305K | 299K | 6.93M | 7.85M | 7.18M | 7.9M | 4.61M | 3.52M | 3.25M |
Other Assets | 219.92K | -305K | 33.67M | 39.08M | 42.68M | 26.58M | 6.14M | 5.56M | 3.53M | 3.51M |
Total Current Assets | 25K | 1.19M | 45.21M | 162.78M | 202.79M | 280.74M | 289.88M | 275.73M | 222.69M | 218.13M |
Total Non-Current Assets | 219.92K | 278.32M | 33.97M | 131.23M | 116.03M | 98.89M | 84.16M | 20.64M | 13.99M | 12.96M |
Total Assets | 244.92K▲ 0% | 279.51M▲ 114024.4% | 79.19M▼ 71.7% | 294.01M▲ 271.3% | 318.82M▲ 8.4% | 379.63M▲ 19.1% | 374.04M▼ 1.5% | 296.37M▼ 20.8% | 236.68M▼ 20.1% | 231.09M▲ 0% |
Asset Growth % | - | 114024.4% | -71.67% | 271.29% | 8.44% | 19.07% | -1.47% | -20.77% | -20.14% | -93.99% |
Return on Assets (ROA) | -12.53% | 20.22% | 34.87% | -52.29% | 47.67% | 19.08% | 5.86% | -40.28% | -1.59% | -2.02% |
Accounts Payable | 0 | 55.4K | 1.34M | 3.44M | 1.28M | 288K | 375K | 953K | 446K | 543K |
Total Debt | 221.2K | 5.8M | 3.31M | 163.25M | 151.4M | 152.08M | 148.13M | 143.77M | 88.05M | 85.08M |
Net Debt | 196.2K | 4.61M | -4.36M | 61.74M | 34.94M | -52.37M | -92.08M | -99.39M | -88.57M | -99.87M |
Long-Term Debt | 0 | 3.31M | 829K | 152.86M | 143.13M | 143.68M | 139.36M | 132.22M | 77.27M | 75.44M |
Short-Term Debt | 221.2K | 2.48M | 2.48M | 4.89M | 3.13M | 3.75M | 4.69M | 7.5M | 8.4M | 7.5M |
Other Liabilities | 0 | 6.31M | 304.94M | 92.38M | 0 | 3.94M | 5.06M | 35.54M | 32.81M | 29.06M |
Total Current Liabilities | 250.6K | 362.42K | 8.19M | 17.01M | 12.06M | 15.11M | 20.59M | 47.25M | 49.26M | 49.14M |
Total Non-Current Liabilities | 0 | 9.63M | 305.77M | 250.38M | 147.78M | 151.7M | 147.87M | 171.03M | 112.46M | 106.63M |
Total Liabilities | 250.6K | 9.99M | 313.96M | 267.39M | 159.84M | 166.81M | 168.46M | 218.28M | 161.72M | 155.77M |
Total Equity | -5.68K▲ 0% | 269.52M▲ 4743586.6% | -234.78M▼ 187.1% | 26.62M▲ 111.3% | 158.98M▲ 497.2% | 212.82M▲ 33.9% | 205.58M▼ 3.4% | 78.09M▼ 62.0% | 74.96M▼ 4.0% | 75.31M▲ 0% |
Equity Growth % | - | 4743586.64% | -187.11% | 111.34% | 497.18% | 33.87% | -3.4% | -62.02% | -4% | -140.21% |
Equity / Assets (Capital Ratio) | -2.32% | 96.43% | -296.49% | 9.05% | 49.86% | 56.06% | 54.96% | 26.35% | 31.67% | 32.59% |
Return on Equity (ROE) | - | 20.98% | 360.01% | -366.48% | 157.41% | 35.84% | 10.55% | -95.19% | -5.54% | -7.04% |
Book Value per Share | -0.00 | 2.93 | -6.24 | 0.32 | 1.26 | 1.69 | 1.69 | 0.66 | 0.63 | 0.64 |
Tangible BV per Share | -0.00 | 2.93 | -6.24 | 0.32 | 1.26 | 1.69 | 1.69 | 0.61 | 0.60 | 0.61 |
Common Stock | 719 | 793 | 376K | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M | 1.28M |
Additional Paid-in Capital | 0 | 0 | 7.63M | 491.25M | 496.98M | 499.63M | 502.03M | 502.66M | 497.66M | 491.95M |
Retained Earnings | -30.68K | 2.65M | -242.78M | -428.41M | -282.44M | -215.82M | -193.75M | -328.76M | -333M | -333.45M |
Accumulated OCI | 0 | -791 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Treasury Stock | 0 | 0 | 0 | -37.5M | -56.84M | -72.26M | -103.98M | -97.1M | -90.99M | -84.47M |
Preferred Stock | 0 | 264.52M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
LPRO Cash Flow Statement
Open Lending Corporation (LPRO) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 13.09M | 28.6M | 41.76M | 24.64M | 95.16M | 107.43M | 82.66M | 17.6M | -3.19M | 98K |
Operating CF Growth % | - | 118.46% | 46.02% | -41% | 286.19% | 12.9% | -23.06% | -78.71% | -118.15% | 357.69% |
Net Income | 15.77M | 28.28M | 62.54M | -97.56M | 146.08M | 66.62M | 22.07M | -135.01M | -4.24M | -5.31M |
Depreciation & Amortization | 20K | 80K | 105K | 1.77M | 525K | 915K | 1.16M | 1.67M | 2.41M | 2.52M |
Deferred Taxes | 0 | 0 | 0 | 4.73M | 20.05M | 375K | -4.99M | 70.11M | 0 | 70K |
Other Non-Cash Items | -363K | 30K | 92K | 131.93M | -45.5M | 1M | 1.06M | 1.26M | 1.25M | 2.19M |
Working Capital Changes | -3.34M | -2.32M | -22.96M | -19.06M | -29.82M | 33.07M | 53.86M | 70.89M | -9.66M | -4.56M |
Cash from Investing | -48K | -106K | -99K | -1.2M | -1.99M | -624K | -2.18M | -3.9M | -1.03M | -713K |
Purchase of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Investment Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | 0 | 0 | 0 | 0 | -1.88M | -386K | -2.06M | -3.73M | -974K | 98K |
Cash from Financing | -14.08M | -21.38M | -44.9M | 70.81M | -77.81M | -17.8M | -42.33M | -6.45M | -61.48M | -61.28M |
Dividends Paid | -11.79M | -18.88M | -42.4M | -135.6M | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | 0 | 0 | -37.5M | -20M | -18.02M | -37.32M | 0 | -4.89M | -4.89M |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 0 | 0 | 0 | -37.5M | -20M | -18.02M | -37.32M | 0 | -4.89M | -4.89M |
Debt Issuance (Net) | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K | -4M |
Other Financing | 0 | 0 | 0 | 80.42M | -38.62M | -1.19M | -1.26M | -1.76M | -1.1M | -677K |
Net Change in Cash | -1.03M▲ 0% | 7.12M▲ 787.8% | -3.24M▼ 145.5% | 94.25M▲ 3010.7% | 15.36M▼ 83.7% | 89.01M▲ 479.5% | 38.15M▼ 57.1% | 7.25M▼ 81.0% | -65.71M▼ 1005.7% | -61.9M▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 7.05M | 6.02M | 13.14M | 9.9M | 104.15M | 119.51M | 208.52M | 246.67M | 253.92M | 188.22M |
Cash at End | 6.02M | 13.14M | 9.9M | 104.15M | 119.51M | 208.52M | 246.67M | 253.92M | 188.22M | 184.95M |
Interest Paid | 0 | 346K | 0 | 10.44M | 5.24M | 3.52M | 10.31M | 0 | 0 | 4.66M |
Income Taxes Paid | 0 | 37K | 0 | 144K | 25.28M | 36.11M | 9.07M | 0 | 0 | 73K |
Free Cash Flow | 13.04M▲ 0% | 28.5M▲ 118.5% | 41.66M▲ 46.2% | 23.44M▼ 43.7% | 93.17M▲ 297.4% | 106.81M▲ 14.6% | 80.48M▼ 24.6% | 17.43M▼ 78.3% | -3.25M▼ 118.6% | -207K▲ 0% |
FCF Growth % | - | 118.45% | 46.21% | -43.73% | 297.41% | 14.64% | -24.65% | -78.34% | -118.64% | 81.28% |
LPRO Banking Ratios
Open Lending Corporation (LPRO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 20.98% | 360.01% | -366.48% | 157.41% | 35.84% | 10.55% | -95.19% | -5.54% | -7.04% |
Return on Assets (ROA) | 20.22% | 34.87% | -52.29% | 47.67% | 19.08% | 5.86% | -40.28% | -1.59% | -2.02% |
Net Interest Margin | -0.12% | -0.38% | -3.88% | -1.77% | -1.01% | -0.09% | 0.26% | -0.15% | -0.04% |
Efficiency Ratio | 36.62% | 24.15% | 38.93% | 21.68% | 34.53% | 56.28% | 272.84% | 69.09% | 84.41% |
Equity / Assets | 96.43% | -296.49% | 9.05% | 49.86% | 56.06% | 54.96% | 26.35% | 31.67% | 32.59% |
Book Value / Share | 2.93 | -6.24 | 0.32 | 1.26 | 1.69 | 1.69 | 0.66 | 0.63 | 0.64 |
NII Growth | - | 9.15% | -3725.17% | 50.47% | 32.04% | 91.5% | 337.12% | -144.63% | -119.25% |
Dividend Payout | 66.75% | 67.79% | - | - | - | - | - | - | 0% |
Related:LPRO Dividend History·LPRO Revenue History·LPRO Price History·LPRO P/E History·LPRO Financial Ratios·LPRO Institutional Holders
LPRO SEC Filings & Documents
Open Lending Corporation (LPRO) SEC filings — annual & quarterly reports (10-K, 10-Q)
LPRO Frequently Asked Questions
Open Lending Corporation (LPRO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Open Lending Corporation (LPRO) grew revenue by 288.0% over the past year. This is strong growth.
Open Lending Corporation (LPRO) reported a net loss of $5.3M for fiscal year 2025.
Dividend & Returns
Open Lending Corporation (LPRO) has a return on equity (ROE) of -5.5%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Open Lending Corporation (LPRO) has a net interest margin (NIM) of -0.1%. NIM has been under pressure due to interest rate environment.
Open Lending Corporation (LPRO) has an efficiency ratio of 69.1%. This is higher than peers, suggesting room for cost optimization.