Company Analysis

Openlane, Inc (OPLN)

NYSE: OPLN · Retail-Auto Dealers & Gasoline Stations · Carmel, IN · filing with the SEC since 2008
Grade5.8
◀ Past 4.2● Present 5.8▶ Future 7.3

The grade of Openlane, Inc

Nine metrics read from its own filings, by tense
Headline grade
5.8/10
◀ Past4.225% of the headline
● Present5.845% of the headline
▶ Future7.330% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

4.2/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed
5.0/10

Has it survived what it has been through?

1 warning event since 2017; the latest 2023-03-02.

weight 45% of this tense · 50th percentile among 21 sector filers · read for itself

From the record

Openlane, Inc's filings since 2017 show 1 warning event: a late-report notice (Form NT 10-K or NT 10-Q, the latest 2023-03-02) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
3.5/10

What has it actually done, year after year?

-5.3% a year over 10 filed years; profitable in 9 of 10.

weight 33% of this tense · 35th percentile among 21 sector filers · read for its customers

From the record

Openlane, Inc's 10 filed years say what it did: revenue went from $3.2 billion in fiscal 2016 to $1.9 billion in fiscal 2025, down 5.3% a year; it rose in 7 of 9 years; the deepest fall was 58% from fiscal 2016 to fiscal 2020; net income was positive in 9 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span-5.3%bottom 12% of its family
  • the share of years revenue rosetop 33% of its family
  • the share of filed years with a profitbottom 43% of its family
  • the deepest fall from a revenue peak57.9%bottom 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
3.9/10

How has it treated the people who own it?

Share count shrank 2.8% a year. 11% of cash flow returned. Insiders: 30 sales, 1 purchases.

weight 22% of this tense · 39th percentile among 14 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Openlane, Inc's diluted share count shrank about 2.8% a year, and dividends and buybacks returned about 11% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 30 sales and 1 purchase of their own stock on the open market in the year to 2026-11-12, buying about $500 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearstop 39% of its family
  • cash returned against operating cash flowbottom 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.8/1045% of the headline grade · 3 of 3 filed

Financial health

as filed
5.8/10

Is it financially healthy right now?

ROE 14%: 14¢ of profit per shareholder dollar. Leverage 74%: owes 74¢ per asset dollar.

weight 45% of this tense · 58th percentile among 21 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Openlane, Inc earned about 14 cents of profit for every dollar of shareholders' money. Leverage: it owed about 74 cents per dollar of assets, and net share issuance: its share count shrank 2.1% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 40% of its family
  • return on equitytop 32% of its family
  • the share count against the year beforetop 34% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
6.5/10

How strong is its position in its industry?

top 35% of 21 in its family; net margin 9.2%.

weight 33% of this tense · 65th percentile among 21 sector filers · read for its customers

From the record

Openlane, Inc's standing among 21 graded names in its industry family: revenue of $1.9 billion in fiscal 2025 ranks in the bottom 28% by size; a net margin of 9.2% ranks in the top 7%; revenue growth of 8.2% a year over the last 3 filed years ranks in the top 26% (its annual reports).

What it rests on

  • revenue against the family$1.93Bbottom 28% of its family
  • net margin9.2%top 7% of its family
  • three-year revenue growth8.2%top 26% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
4.9/10

What are the people in charge doing?

bottom 49% of 18 in its family for leadership; chief executive since 2021.

weight 22% of this tense · 49th percentile among 18 sector filers · read for its shareholders

From the record

Openlane, Inc's leadership, from its insiders' filings and its current reports: the chief executive on the record is Peter, Kelly (Chief Executive Officer, as filed), filing under that title since 2021-06-08, 5.4 years (top 47% of its family); the 16 officers and directors filing in the last fifteen months have been on the record a median of 3.9 years (bottom 19%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 16 people in charge now (top 25%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge5 in three years among 16 peopletop 25% of its family
  • the median years the people in charge have filed3.9 yearsbottom 19% of its family
  • the chief executive's years on the record5.4 yearstop 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

7.3/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed
8.0/10

How much room does it have to grow?

top 20% of 20 in its family for room to expand.

weight 22% of this tense · 80th percentile among 20 sector filers · read for itself

From the record

Openlane, Inc's room to grow, from the newest filed statements (fiscal 2025): cash of $142 million against debt of $530 million leaves -8.2% of its assets as net cash, top 32% of its family; cash from operations less capital spending is 17.4% of revenue (top 8%) (its annual report).

What it rests on

  • cash less debt against assets-8.2%top 32% of its family
  • cash from operations less capital spending against revenue17.4%top 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
6.6/10

What could actually drive growth from here?

top 34% of 21 in its family for growth drivers.

weight 45% of this tense · 66th percentile among 21 sector filers · read for its customers

From the record

Openlane, Inc's growth drivers, from the filed years to fiscal 2025: revenue grew 8.2% a year over the last three filed years against -5.3% over all 10, speeding up (top 2% of its family); the newest year grew 8.2% (top 31%); capital spending grew -3.1% a year (bottom 31%) (its annual reports). Openlane, Inc reported 4 product lines in fiscal 2025: Auction and Related Fees at $834 million (43%), Finance Revenue at $434 million (22%), Purchased Vehicle Sales at $410 million (21%), and 1 more; 3 of 4 grew against the year before (its annual report).

What it rests on

  • three-year growth against the whole span+13.4 points a yeartop 2% of its family
  • the newest year's revenue growth8.2%top 31% of its family
  • three-year growth of capital spending-3.1%bottom 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
7.7/10

Did its newest year beat what its own record pointed to?

top 23% of 21 in its family for expectations against reality.

weight 33% of this tense · 77th percentile among 21 sector filers · read for its shareholders

From the record

Openlane, Inc's newest year against its own record: revenue of $1.9 billion in fiscal 2025 came in 0% above the $1.9 billion its prior three years' pace pointed to (top 50% of its family); net income of $178 million against a prior three-year average of $66 million (top 7%); a net margin of 9.2% against 4.3% before (top 12%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace0.0%top 50% of its family
  • net income against the prior three years' average+171%top 7% of its family
  • net margin against its prior average+4.9 pointstop 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton OPLN · research, not advice