Open Lending Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 12, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	167	713	1,019	853	2,837	4,433
Market Cap Growth	-75.16%	-30.08%	19.54%	-69.95%	-36.01%	1123.54%
Enterprise Value	84	607	936	804	2,898	4,482
Last Close Price	1.51	5.97	8.51	6.75	22.48	34.96
PE Ratio	-	-	46.18	12.80	19.42	-
Forward PE	15.25	36.27	34.12	13.62	27.07	-
PS Ratio	10.60	29.66	8.68	4.75	13.15	40.71
PB Ratio	2.45	9.13	4.96	4.01	17.84	166.52
P/TBV Ratio	2.49	9.80	5.03	4.01	17.84	166.52
P/FCF Ratio	-	40.87	12.35	7.95	29.85	189.09
P/OCF Ratio	-	40.49	12.33	7.94	29.81	179.91
PEG Ratio	-	0.90	0.90	0.90	0.90	-
EV/Sales Ratio	4.98	25.28	7.97	4.48	13.44	41.16
EV/EBITDA Ratio	-	-	31.80	8.21	19.21	77.24
EV/EBIT Ratio	-	-	32.19	8.24	19.28	79.03
EV/FCF Ratio	-	34.83	11.34	7.50	30.49	191.18
Debt / Equity Ratio	1.88	1.84	0.72	0.72	0.95	6.13
Debt / EBITDA Ratio	-	-	4.81	1.53	0.99	2.77
Debt / FCF Ratio	-	8.25	1.80	1.42	1.59	6.96
Asset Turnover	0.05	0.07	0.31	0.51	0.70	0.58
Quick Ratio	5.22	5.54	13.63	18.16	16.15	9.19
Current Ratio	5.59	5.84	14.08	18.58	16.81	9.57
Return on Equity (ROE)	-102.53%	-95.19%	10.55%	35.84%	157.41%	-201.61%
Return on Assets (ROA)	-13.41%	-12.19%	4.82%	17.47%	30.65%	19.00%
Return on Invested Capital (ROIC)	-	-141.83%	16.23%	39.24%	81.37%	73.58%
Return on Capital Employed (ROCE)	-30.70%	-26.20%	8.20%	26.80%	49.00%	20.50%
Earnings Yield	-88.65%	-18.95%	2.17%	7.81%	5.15%	-2.20%
FCF Yield	-7.12%	2.45%	8.10%	12.57%	3.35%	0.53%
Buyback Yield / Dilution	0.46%	1.89%	3.79%	0.10%	-52.45%	-120.32%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

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