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Side-by-side financial comparison of JFB Construction Holdings (JFB) and Open Lending Corp (LPRO). Click either name above to swap in a different company.
Open Lending Corp is the larger business by last-quarter revenue ($19.3M vs $16.0M, roughly 1.2× JFB Construction Holdings). Open Lending Corp produced more free cash flow last quarter ($-3.3M vs $-9.1M).
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JFB vs LPRO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $16.0M | $19.3M |
| Net Profit | $-1.9M | — |
| Gross Margin | 4.3% | 76.0% |
| Operating Margin | -12.7% | 3.9% |
| Net Margin | -11.7% | — |
| Revenue YoY | — | 134.0% |
| Net Profit YoY | — | — |
| EPS (diluted) | $0.06 | $-0.00 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $16.0M | $19.3M | ||
| Q3 25 | $5.0M | $24.2M | ||
| Q2 25 | $3.7M | $25.3M | ||
| Q1 25 | $5.9M | $24.4M | ||
| Q4 24 | — | $-56.9M | ||
| Q3 24 | — | $23.5M | ||
| Q2 24 | — | $26.7M | ||
| Q1 24 | — | $30.7M |
| Q4 25 | $-1.9M | — | ||
| Q3 25 | $-1.1M | $-7.6M | ||
| Q2 25 | $-2.4M | $1.0M | ||
| Q1 25 | $30.3K | $617.0K | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $1.4M | ||
| Q2 24 | — | $2.9M | ||
| Q1 24 | — | $5.1M |
| Q4 25 | 4.3% | 76.0% | ||
| Q3 25 | 14.9% | 78.0% | ||
| Q2 25 | 7.0% | 78.2% | ||
| Q1 25 | 24.8% | 75.1% | ||
| Q4 24 | — | 111.0% | ||
| Q3 24 | — | 73.9% | ||
| Q2 24 | — | 78.6% | ||
| Q1 24 | — | 81.3% |
| Q4 25 | -12.7% | 3.9% | ||
| Q3 25 | -22.6% | -31.9% | ||
| Q2 25 | -67.2% | 4.6% | ||
| Q1 25 | -0.5% | 3.1% | ||
| Q4 24 | — | 138.0% | ||
| Q3 24 | — | 7.9% | ||
| Q2 24 | — | 14.9% | ||
| Q1 24 | — | 23.8% |
| Q4 25 | -11.7% | — | ||
| Q3 25 | -21.3% | -31.3% | ||
| Q2 25 | -64.3% | 4.1% | ||
| Q1 25 | 0.5% | 2.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 6.1% | ||
| Q2 24 | — | 10.9% | ||
| Q1 24 | — | 16.5% |
| Q4 25 | $0.06 | $-0.00 | ||
| Q3 25 | $-0.11 | $-0.06 | ||
| Q2 25 | $-0.26 | $0.01 | ||
| Q1 25 | $0.00 | $0.01 | ||
| Q4 24 | — | $-1.20 | ||
| Q3 24 | — | $0.01 | ||
| Q2 24 | — | $0.02 | ||
| Q1 24 | — | $0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $176.6M |
| Total DebtLower is stronger | — | $84.8M |
| Stockholders' EquityBook value | $37.8M | $75.0M |
| Total Assets | $40.0M | $236.7M |
| Debt / EquityLower = less leverage | — | 1.13× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $176.6M | ||
| Q3 25 | — | $222.1M | ||
| Q2 25 | — | $230.7M | ||
| Q1 25 | — | $236.2M | ||
| Q4 24 | — | $243.2M | ||
| Q3 24 | — | $250.2M | ||
| Q2 24 | — | $248.0M | ||
| Q1 24 | — | $247.0M |
| Q4 25 | — | $84.8M | ||
| Q3 25 | — | $134.4M | ||
| Q2 25 | — | $136.1M | ||
| Q1 25 | — | $137.9M | ||
| Q4 24 | — | $139.7M | ||
| Q3 24 | — | $141.5M | ||
| Q2 24 | — | $143.3M | ||
| Q1 24 | — | $143.2M |
| Q4 25 | $37.8M | $75.0M | ||
| Q3 25 | $11.6M | $72.8M | ||
| Q2 25 | $10.1M | $78.9M | ||
| Q1 25 | $11.0M | $79.8M | ||
| Q4 24 | — | $78.1M | ||
| Q3 24 | — | $220.5M | ||
| Q2 24 | — | $216.8M | ||
| Q1 24 | — | $211.5M |
| Q4 25 | $40.0M | $236.7M | ||
| Q3 25 | $14.0M | $287.7M | ||
| Q2 25 | $12.0M | $296.7M | ||
| Q1 25 | $13.3M | $304.2M | ||
| Q4 24 | — | $296.4M | ||
| Q3 24 | — | $395.7M | ||
| Q2 24 | — | $382.8M | ||
| Q1 24 | — | $380.6M |
| Q4 25 | — | 1.13× | ||
| Q3 25 | — | 1.84× | ||
| Q2 25 | — | 1.72× | ||
| Q1 25 | — | 1.73× | ||
| Q4 24 | — | 1.79× | ||
| Q3 24 | — | 0.64× | ||
| Q2 24 | — | 0.66× | ||
| Q1 24 | — | 0.68× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-9.0M | $-3.2M |
| Free Cash FlowOCF − Capex | $-9.1M | $-3.3M |
| FCF MarginFCF / Revenue | -57.2% | -16.8% |
| Capex IntensityCapex / Revenue | 1.1% | 0.3% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-12.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-9.0M | $-3.2M | ||
| Q3 25 | $-719.0K | $-5.7M | ||
| Q2 25 | $-2.5M | $848.0K | ||
| Q1 25 | $392.8K | $-3.8M | ||
| Q4 24 | — | $17.6M | ||
| Q3 24 | — | $11.4M | ||
| Q2 24 | — | $-1.4M | ||
| Q1 24 | — | $11.0M |
| Q4 25 | $-9.1M | $-3.3M | ||
| Q3 25 | $-730.9K | — | ||
| Q2 25 | $-2.5M | $837.0K | ||
| Q1 25 | $347.0K | $-3.9M | ||
| Q4 24 | — | $17.4M | ||
| Q3 24 | — | $11.3M | ||
| Q2 24 | — | $-1.5M | ||
| Q1 24 | — | — |
| Q4 25 | -57.2% | -16.8% | ||
| Q3 25 | -14.7% | — | ||
| Q2 25 | -68.0% | 3.3% | ||
| Q1 25 | 5.9% | -15.9% | ||
| Q4 24 | — | -30.6% | ||
| Q3 24 | — | 48.0% | ||
| Q2 24 | — | -5.5% | ||
| Q1 24 | — | — |
| Q4 25 | 1.1% | 0.3% | ||
| Q3 25 | 0.2% | 0.0% | ||
| Q2 25 | 0.0% | 0.0% | ||
| Q1 25 | 0.8% | 0.2% | ||
| Q4 24 | — | -0.3% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.2% | ||
| Q1 24 | — | 0.0% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 0.82× | ||
| Q1 25 | 12.96× | -6.22× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 7.92× | ||
| Q2 24 | — | -0.48× | ||
| Q1 24 | — | 2.16× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
JFB
| Nonrelated Party | $12.5M | 78% |
| Other | $3.5M | 22% |
LPRO
Segment breakdown not available.
