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	2017 - 2019
Period Ending	Jan '26 Jan 2, 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	2017 - 2019
Market Capitalization	183	713	1,019	853	2,837	4,433	Upgrade
Market Cap Growth	-73.17%	-30.08%	19.54%	-69.95%	-36.01%	1123.54%	Upgrade
Enterprise Value	94	607	936	804	2,898	4,482	Upgrade
Last Close Price	1.55	5.97	8.51	6.75	22.48	34.96	Upgrade
PE Ratio	-	-	46.18	12.80	19.42	-	Upgrade
Forward PE	15.61	36.27	34.12	13.62	27.07	-	Upgrade
PS Ratio	10.88	29.66	8.68	4.75	13.15	40.71	Upgrade
PB Ratio	2.52	9.13	4.96	4.01	17.84	166.52	Upgrade
P/TBV Ratio	2.63	9.80	5.03	4.01	17.84	166.52	Upgrade
P/FCF Ratio	-	40.87	12.35	7.95	29.85	189.09	Upgrade
P/OCF Ratio	-	40.49	12.33	7.94	29.81	179.91	Upgrade
PEG Ratio	-	0.90	0.90	0.90	0.90	-	Upgrade
EV/Sales Ratio	5.54	25.28	7.97	4.48	13.44	41.16	Upgrade
EV/EBITDA Ratio	-	-	31.80	8.21	19.21	77.24	Upgrade
EV/EBIT Ratio	-	-	32.19	8.24	19.28	79.03	Upgrade
EV/FCF Ratio	-	34.83	11.34	7.50	30.49	191.18	Upgrade
Debt / Equity Ratio	1.88	1.84	0.72	0.72	0.95	6.13	Upgrade
Debt / EBITDA Ratio	-	-	4.81	1.53	0.99	2.77	Upgrade
Debt / FCF Ratio	-	8.25	1.80	1.42	1.59	6.96	Upgrade
Asset Turnover	0.05	0.07	0.31	0.51	0.70	0.58	Upgrade
Quick Ratio	5.22	5.54	13.63	18.16	16.15	9.19	Upgrade
Current Ratio	5.59	5.84	14.08	18.58	16.81	9.57	Upgrade
Return on Equity (ROE)	-102.53%	-95.19%	10.55%	35.84%	157.41%	-201.61%	Upgrade
Return on Assets (ROA)	-13.41%	-12.19%	4.82%	17.47%	30.65%	19.00%	Upgrade
Return on Capital (ROIC)	-15.93%	-14.20%	5.06%	18.07%	37.55%	26.92%	Upgrade
Return on Capital Employed (ROCE)	-30.70%	-26.20%	8.20%	26.80%	49.00%	20.50%	Upgrade
Earnings Yield	-83.97%	-18.95%	2.17%	7.81%	5.15%	-2.20%	Upgrade
FCF Yield	-6.75%	2.45%	8.10%	12.57%	3.35%	0.53%	Upgrade
Buyback Yield / Dilution	0.46%	1.89%	3.79%	0.10%	-52.45%	-120.32%	Upgrade

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

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