Last 25 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -1.18 | — | 56.40 | 132.69 | — | 127.50 | 57.41 | 39.13 | — | 73.79 | 28.07 | 17.60 | — |
| — | — | -1.8% | +239.1% | — | +72.8% | +104.5% | +122.3% | — | +597.5% | +97.6% | -33.0% | — | |
| P/S Ratio | 6.54 | 2.58 | 2.29 | 3.38 | — | 7.79 | 6.23 | 6.08 | 17.00 | 8.54 | 8.37 | 5.66 | 7.91 |
| — | -66.9% | -63.2% | -44.3% | — | -8.8% | -25.6% | +7.3% | +114.8% | +70.4% | +34.9% | -52.5% | -42.4% | |
| P/B Ratio | 2.03 | 3.42 | 2.94 | 4.14 | 9.12 | 3.32 | 3.07 | 3.53 | 4.94 | 4.14 | 5.83 | 4.23 | 3.99 |
| — | +3.2% | -4.3% | +17.0% | +84.6% | -19.8% | -47.3% | -16.4% | +23.9% | -5.0% | -6.3% | -67.5% | -77.7% | |
| P/FCF | 9.02 | — | 41.51 | — | — | 17.63 | — | 18.03 | 15.71 | 11.34 | 20.52 | 7.45 | 9.45 |
| — | — | — | — | — | +55.5% | — | +142.2% | +66.2% | +39.1% | +36.5% | -60.4% | -64.6% | |
| EV / EBITDA | — | — | 27.01 | 44.97 | — | 66.31 | 32.02 | 21.02 | — | 41.31 | 18.82 | 11.66 | 36.66 |
| — | — | -15.7% | +113.9% | — | +60.5% | +70.1% | +80.3% | — | +379.3% | +95.4% | -36.6% | +81.3% | |
| EV / EBIT | — | — | 40.56 | 18.01 | — | 30.76 | 35.35 | 15.71 | — | 27.40 | 16.55 | 10.55 | 31.11 |
| — | — | +14.7% | +14.6% | — | +12.3% | +113.6% | +48.9% | — | +216.4% | +70.7% | -43.0% | +52.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Open Lending Corporation's operating margin was -31.9% in Q3 2025, down 36.5 pp QoQ and down 39.8 pp YoY. The trailing four-quarter average of 28.5% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 5.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 0.7% | 78.0% | 78.2% | 75.1% | 111.0% | 73.9% | 78.6% | 81.3% | 64.1% | 79.4% | 84.0% | 85.8% | 81.7% |
| — | +5.5% | -0.5% | -7.7% | +73.2% | -6.9% | -6.4% | -5.3% | -21.6% | -11.6% | -6.9% | -5.1% | -10.0% | |
| Operating Margin | -272.1% | -31.9% | 4.6% | 3.1% | 138.0% | 7.9% | 14.9% | 23.8% | -55.4% | 17.4% | 41.2% | 44.6% | 17.8% |
| — | -500.9% | -68.9% | -86.9% | +349.1% | -54.4% | -63.8% | -46.6% | -411.3% | -68.2% | -34.6% | -30.8% | -73.9% | |
| Net Margin | -562.0% | -31.3% | 4.1% | 2.5% | 253.7% | 6.1% | 10.9% | 16.5% | -32.4% | 11.5% | 29.8% | 32.7% | -15.6% |
| — | -611.6% | -62.4% | -84.7% | +882.8% | -47.0% | -63.6% | -49.4% | -107.5% | -76.2% | -32.9% | -29.3% | -129.0% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -95.2% | -10.0% | 1.3% | 0.8% | -96.8% | 0.7% | 1.4% | 2.4% | -2.3% | 1.4% | 5.4% | 6.0% | -1.9% |
| — | -1617.5% | -3.9% | -68.0% | -4099.6% | -52.5% | -74.7% | -59.3% | -22.7% | -87.6% | -54.7% | -55.7% | -109.7% | |
| ROA | -40.3% | -2.6% | 0.3% | 0.2% | -41.7% | 0.4% | 0.8% | 1.3% | -1.3% | 0.8% | 3.0% | 3.3% | -1.1% |
| — | -801.7% | -54.7% | -84.8% | -3164.5% | -52.7% | -74.6% | -59.5% | -18.8% | -87.8% | -54.1% | -52.4% | -111.8% | |
| ROIC | -17.0% | -3.3% | 0.4% | 0.3% | -20.1% | 0.4% | 0.8% | 1.5% | -1.7% | 0.9% | 3.3% | 3.6% | 1.0% |
| — | -956.0% | -56.5% | -83.3% | -1058.7% | -58.7% | -74.5% | -56.6% | -281.6% | -83.4% | -54.4% | -52.6% | -89.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The current ratio has weakened 40.7% YoY to 5.59x, tightening the short-term liquidity position.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.84 | 0.14 | 2.40 | 1.77 | 1.84 | 0.66 | 0.68 | 0.69 | 0.72 | 0.69 | 0.68 | 0.73 | 0.71 |
| — | -78.9% | +255.2% | +155.1% | +155.5% | -4.9% | -1.0% | -5.4% | +0.8% | +5.8% | -5.2% | -10.5% | -25.0% | |
| Debt / EBITDA | — | — | 107.22 | 107.96 | — | 61.43 | 33.23 | 19.04 | — | 30.53 | 9.36 | 8.68 | 28.00 |
| — | — | +222.6% | +467.1% | — | +101.2% | +255.0% | +119.3% | — | +460.8% | +107.2% | +87.8% | +556.8% | |
| Current Ratio | 5.84 | 5.59 | 5.67 | 6.21 | 5.84 | 9.42 | 13.32 | 13.14 | 14.08 | 14.71 | 15.83 | 16.24 | 18.58 |
| — | -40.7% | -57.5% | -52.7% | -58.6% | -36.0% | -15.9% | -19.1% | -24.2% | -11.8% | -14.3% | -8.6% | +10.6% | |
| Quick Ratio | 5.84 | 5.59 | 5.67 | 6.21 | 5.84 | 9.42 | 13.32 | 13.14 | 14.08 | 14.71 | 15.83 | 16.24 | 18.58 |
| — | -40.7% | -57.5% | -52.7% | -58.6% | -36.0% | -15.9% | -19.1% | -24.2% | -11.8% | -14.3% | -8.6% | +10.6% | |
| Interest Coverage | -5.78 | -3.17 | 0.49 | 0.29 | -27.57 | 0.63 | 1.46 | 2.64 | -2.94 | 1.62 | 5.92 | 7.16 | 2.08 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 25 years · Updated daily
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Start ComparisonOpen Lending Corporation's current P/E is -1.2x. The average P/E over the last 2 quarters is 94.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Open Lending Corporation's current operating margin is -272.1%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Open Lending Corporation's business trajectory between earnings reports.