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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May '26 May 7, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Cap	193	182	713	1,011	835	2,837
Market Cap Growth	59.74%	-74.40%	-29.53%	21.15%	-70.58%	-36.00%
Enterprise Value	108.74	73.8	594.09	907.3	773.86	2,866
Last Close Price	1.64	1.55	5.97	8.51	6.75	22.48
PE Ratio	-	-38.75	-5.28	47.28	12.74	19.38
Forward PE	15.75	15.66	36.27	34.12	13.62	27.07
PS Ratio	2.12	1.96	29.66	8.61	4.65	13.16
PB Ratio	2.68	2.43	9.12	4.92	3.92	17.85
P/TBV Ratio	2.59	2.45	9.11	5.03	4.01	17.87
P/FCF Ratio	-	-56.12	40.87	12.25	7.79	29.85
P/OCF Ratio	-	-57.10	40.49	12.23	7.77	29.82
EV/Sales Ratio	1.17	0.79	24.73	7.72	4.31	13.29
EV/EBITDA Ratio	17.25	-28.43	-9.33	30.01	7.85	19.00
EV/EBIT Ratio	18.14	-14.74	-9.09	31.21	7.93	19.07
EV/FCF Ratio	-	-22.71	34.08	10.99	7.22	30.15
Debt / Equity Ratio	1.06	1.06	1.74	0.69	0.69	0.93
Debt / EBITDA Ratio	-33.57	-33.57	-2.24	4.88	1.54	1.00
Debt / FCF Ratio	-26.81	-26.81	8.20	1.79	1.41	1.59
Net Debt / Equity Ratio	-1.35	-1.35	-1.42	-0.48	-0.27	0.20
Net Debt / EBITDA Ratio	38.93	38.93	1.74	-3.28	-0.58	0.21
Net Debt / FCF Ratio	31.10	31.10	-6.36	-1.20	-0.53	0.33
Asset Turnover	0.35	0.35	0.07	0.31	0.51	0.70
Quick Ratio	4.41	4.41	5.77	13.94	18.43	16.40
Current Ratio	4.52	4.52	5.84	14.08	18.58	16.81
Return on Equity (ROE)	-5.54%	-5.54%	-95.19%	10.55%	35.84%	157.41%
Return on Assets (ROA)	-1.48%	-1.48%	-40.76%	5.90%	19.91%	37.48%
Return on Invested Capital (ROIC)	-10.44%	-10.44%	-176.08%	15.70%	38.79%	60.86%
Return on Capital Employed (ROCE)	-2.29%	-2.29%	-21.70%	8.10%	29.08%	51.49%
Earnings Yield	-2.15%	-2.58%	-18.93%	2.12%	7.85%	5.16%
FCF Yield	-1.65%	-1.78%	2.45%	8.16%	12.84%	3.35%
Buyback Yield / Dilution	0.48%	0.48%	1.89%	3.79%	0.10%	-52.44%
Total Shareholder Return	0.48%	0.48%	1.89%	3.79%	0.10%	-52.44%

Updated Mar 12, 2026. Data Source: Fiscal.ai. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q