FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Open Lending's Free Cash Flow for the
three
months ended in Mar. 2026 was $-1.05 Mil. Open Lending's Revenue for the
three
months ended in Mar. 2026 was $20.49 Mil. Therefore, Open Lending's FCF Margin % for the quarter that ended in Mar. 2026 was -5.14%.
The historical rank and industry rank for Open Lending's FCF Margin % or its related term are showing as below:
LPRO'
s FCF Margin % Range Over the Past 10 Years
Min: -4.53 Med: 49.74 Max: 68.52
Current: -0.93
During the past 8 years, the highest FCF Margin % of Open Lending was 68.52%. The lowest was -4.53%. And the median was 49.74%.
LPRO's FCF Margin % is ranked worse than 51.79% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs LPRO: -0.93
Open Lending FCF Margin % Related Terms
Open Lending FCF Margin % Historical Data
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The historical data trend for Open Lending's FCF 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.
For the Credit Services subindustry, Open Lending's FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Open Lending's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Open Lending's FCF 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 FCF Margin % of -5.14% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Open Lending and its competitors. According to the industry distribution chart, Open Lending ranks #275 out of 531 companies in the Credit Services industry, placing it in the top 51.8%.
Is Open Lending's FCF Margin % too high?
Open Lending's current FCF Margin % is -5.14%. Based on the distribution chart, Open Lending ranks #275 out of 531 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 FCF Margin % compare to OPRT and MFIN?
According to the Credit Services industry distribution chart, Open Lending ranks #275 out of 531 companies for FCF Margin %. This places Open Lending in the lower half of its industry. The industry median FCF Margin % is 0.24. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Open Lending and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Open Lending's current FCF Margin % is -5.14%. 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 FCF Margin % is -5.14%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Open Lending (LPRO), the current FCF Margin % is -5.14% 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:
FCF Margin %: -5.14%
GF Value™: $5.73 vs. price of $3.13 (45.5% below fair value)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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