Open LendingLPRO +0.32%71 EBITDA Margin % is 7.39% as of Mar. 2026, which is 84% below its 10-year median of 44.85. GuruFocus rates LPRO with a GF Score™ of 71/100 and a GF Value™ of $5.73 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 414 Credit Services companies, Open Lending ranks worse than 71.74% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Open Lending's EBITDA for the
three
months ended in Mar. 2026 was $1.52 Mil. Open Lending's Revenue for the
three
months ended in Mar. 2026 was $20.49 Mil. Therefore, Open Lending's EBITDA margin for the quarter that ended in Mar. 2026 was 7.39%.
Open Lending (NAS:LPRO) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Open Lending EBITDA Margin % Related Terms
Open Lending EBITDA Margin % Historical Data
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The historical data trend for Open Lending's EBITDA Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LPRO vs OPRT, MFIN, JFIN: EBITDA Margin % Comparison
For the Credit Services subindustry, Open Lending's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Open Lending EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Open Lending's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Open Lending's EBITDA Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Open Lending (LPRO) has a EBITDA Margin % of 7.39% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Open Lending and its competitors. This is 84% below median its historical median of 44.85. According to the industry distribution chart, Open Lending ranks #297 out of 414 companies in the Credit Services industry, placing it in the top 71.7%.
Is Open Lending's EBITDA Margin % too high?
Open Lending's current EBITDA Margin % of 7.39% is 84% below median its 10-year median of 44.85. The Credit Services industry median EBITDA Margin % is 20.91. Open Lending's value of 7.39% is 64.7% below this industry median. Based on the distribution chart, Open Lending ranks #297 out of 414 companies in the Credit Services industry, which is below the industry midpoint. Overall, Open Lending has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Open Lending's EBITDA Margin % compare to OPRT and MFIN?
According to the Credit Services industry distribution chart, Open Lending ranks #297 out of 414 companies for EBITDA Margin %. This places Open Lending in the lower half of its industry. The industry median EBITDA Margin % is 20.91. Open Lending's value of 7.39% is 64.7% below this benchmark. While the company's 10-year median is 44.85 vs. the industry median of 20.91, Open Lending has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Open Lending's current EBITDA Margin % of 7.39% is 64.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Open Lending and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Open Lending's current EBITDA Margin % is 7.39%, which is 84% below median its own 10-year median of 44.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Open Lending stock overvalued right now?
Based on GuruFocus' analysis, Open Lending (LPRO) is currently considered Possible Value Trap. The stock's GF Value™ is $5.73, compared to a current price of $3.13 — trading 45.5% below its estimated fair value. The current EBITDA Margin % is 7.39%, which is 84% below median its 10-year median of 44.85 and 64.7% below the Credit Services industry median of 20.91. Open Lending's overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Open Lending (LPRO), the current EBITDA Margin % is 7.39% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Open Lending (LPRO) Overvalued in 2026?
Based on GuruFocus' analysis, Open Lending stock appears to be undervalued.
The current stock price of $3.13 is trading 45.5% below its estimated GF Value™ of $5.73.
GuruFocus considers Open Lending to be Possible Value Trap.
Key valuation signals for LPRO:
EBITDA Margin %: 7.39% (84% below median its 10-year median of 44.85)
GF Value™: $5.73 vs. price of $3.13 (45.5% below fair value)
Industry Position: 64.7% below the Credit Services median (#297 of 414)
No single metric tells the full story. See the LPRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Open Lending Corp is a provider of lending enablement and risk analytics to credit unions, regional banks, finance companies and the captive finance companies of automakers (OEM captive finance companies). Through its flagship product, LPP, its customers, collectively referred to herein as automotive lenders or lenders, make automotive consumer loans to underserved near-prime and non-prime borrowers by harnessing its risk-based interest rate pricing models, powered by its proprietary data and real-time underwriting of automotive loan default insurance coverage from insurers.
71GF Score
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