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	Jul '26 Jul 10, 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	369	182	713	1,011	835	2,837
Market Cap Growth	53.31%	-74.40%	-29.53%	21.15%	-70.58%	-36.00%
Enterprise Value	280.94	81.3	601.59	911.98	777.61	2,869
Last Close Price	3.12	1.55	5.97	8.51	6.75	22.48
PE Ratio	-	-	-	47.28	12.74	19.38
Forward PE	22.46	15.66	36.27	34.12	13.62	27.07
PS Ratio	4.13	1.96	29.66	8.61	4.65	13.16
PB Ratio	4.90	2.43	9.12	4.92	3.92	17.85
P/TBV Ratio	5.16	2.59	9.79	5.11	4.01	17.87
P/FCF Ratio	-	-	40.87	12.25	7.79	29.85
P/OCF Ratio	-	-	40.49	12.23	7.77	29.82
EV/Sales Ratio	3.15	0.87	25.04	7.76	4.33	13.30
EV/EBITDA Ratio	55.95	-	-	30.16	7.89	19.02
EV/EBIT Ratio	61.09	-	-	31.37	7.97	19.09
EV/FCF Ratio	-	-	34.51	11.05	7.25	30.18
Debt / Equity Ratio	1.03	1.06	1.74	0.69	0.69	0.93
Debt / EBITDA Ratio	-	-	-	4.88	1.54	1.00
Debt / FCF Ratio	-	-	8.20	1.79	1.41	1.59
Net Debt / Equity Ratio	-1.33	-1.35	-1.42	-0.48	-0.27	0.20
Net Debt / EBITDA Ratio	30.77	38.93	1.74	-3.28	-0.58	0.21
Net Debt / FCF Ratio	762.40	31.10	-6.36	-1.20	-0.53	0.33
Asset Turnover	0.38	0.35	0.07	0.31	0.51	0.70
Quick Ratio	4.32	4.41	5.77	13.94	18.43	16.40
Current Ratio	4.44	4.52	5.84	14.08	18.58	16.81
Return on Equity (ROE)	-7.07%	-5.54%	-95.19%	10.55%	35.84%	157.41%
Return on Assets (ROA)	-2.01%	-1.48%	-40.76%	5.90%	19.91%	37.48%
Return on Invested Capital (ROIC)	-	-	-371.47%	16.96%	40.16%	83.30%
Return on Capital Employed (ROCE)	-3.12%	-2.29%	-21.70%	8.10%	29.08%	51.49%
Earnings Yield	-	-	-	2.12%	7.85%	5.16%
FCF Yield	-	-	2.45%	8.16%	12.84%	3.35%
Buyback Yield / Dilution	0.94%	0.48%	1.89%	3.79%	0.10%	-52.44%
Total Shareholder Return	0.94%	0.48%	1.89%	3.79%	0.10%	-52.44%

SEC Filings: 10-K · 10-Q