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OPENLANE, Inc. (OPLN) Stock Fundamental Analysis & AI Rating 2026

OPLN NYSE Retail-Auto Dealers & Gasoline Stations DE CIK: 0001395942
Recently Updated • Analysis: Apr 13, 2026 • SEC Data: 2025-12-31
HOLD
68% Conf
Pending
Analysis scheduled

📊 OPLN Key Takeaways

Revenue: $1.9B
Net Margin: 9.2%
Free Cash Flow: $297.2M
Current Ratio: 1.16x
Debt/Equity: 0.44x
EPS: $-0.96
AI Rating: HOLD with 68% confidence
OPENLANE, Inc. (OPLN) receives a HOLD rating with 68% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $1.9B, net profit margin of 9.2%, and return on equity (ROE) of 14.3%, OPENLANE, Inc. demonstrates mixed fundamentals in the Automotive sector. Below is our complete OPLN stock analysis for 2026.

Is OPENLANE, Inc. (OPLN) a Good Investment?

Claude

OPENLANE demonstrates strong fundamental cash generation ($297.2M FCF, 15.4% margin) and impressive net income growth (+61.7% YoY) with moderate leverage (0.44x D/E). However, the negative and sharply deteriorating diluted EPS (-$0.96, -313.3% YoY) despite positive net income signals structural capital concerns that warrant caution, suggesting significant share dilution or non-operating charges masking underlying shareholder value destruction.

Why Buy OPENLANE, Inc. Stock? OPLN Key Strengths

Claude
  • + Exceptional free cash flow generation ($297.2M, 15.4% FCF margin) significantly exceeds net income relative to revenue
  • + Strong net income growth (+61.7% YoY) with stable operating margin (10.2%) indicating operational leverage
  • + Conservative leverage profile (0.44x Debt/Equity, 10.9x interest coverage) provides financial flexibility
  • + Solid revenue growth (+8.2% YoY) in competitive automotive retail sector

OPLN Stock Risks: OPENLANE, Inc. Investment Risks

Claude
  • ! Severe and deteriorating EPS (-$0.96, -313.3% YoY decline) despite positive net income indicates massive shareholder dilution or structural capital issues
  • ! Thin current ratio (1.16x) and missing liabilities data raise liquidity and balance sheet transparency concerns
  • ! Unexplained 61.7% net income growth on only 8.2% revenue growth suggests non-recurring items or accounting adjustments requiring investigation
  • ! Missing critical financial data (gross margin, total liabilities) limits full fundamental assessment

Key Metrics to Watch

Claude
  • * Diluted shares outstanding trend and bridge to EPS deterioration
  • * Working capital requirements and current ratio trajectory
  • * Free cash flow sustainability and capital allocation decisions
  • * Operating margin stability amid revenue growth
  • * Total debt levels and refinancing requirements

OPENLANE, Inc. (OPLN) Financial Metrics & Key Ratios

Revenue
$1.9B
Net Income
$177.7M
EPS (Diluted)
$-0.96
Free Cash Flow
$297.2M
Total Assets
$4.7B
Cash Position
$141.5M

💡 AI Analyst Insight

OPENLANE, Inc. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.

OPLN Profit Margin, ROE & Profitability Analysis

Gross Margin N/A
Operating Margin 10.2%
Net Margin 9.2%
ROE 14.3%
ROA 3.8%
FCF Margin 15.4%

OPLN vs Automotive Sector: How OPENLANE, Inc. Compares

How OPENLANE, Inc. compares to Automotive sector averages

Net Margin
OPLN 9.2%
vs
Sector Avg 6.0%
OPLN Sector
ROE
OPLN 14.3%
vs
Sector Avg 12.0%
OPLN Sector
Current Ratio
OPLN 1.2x
vs
Sector Avg 1.2x
OPLN Sector
Debt/Equity
OPLN 0.4x
vs
Sector Avg 1.0x
OPLN Sector

Sector benchmarks are approximate industry averages. Actual sector performance may vary.

Is OPENLANE, Inc. Stock Overvalued? OPLN Valuation Analysis 2026

Based on fundamental analysis, OPENLANE, Inc. has mixed fundamental signals relative to the Automotive sector in 2026.

Return on Equity
14.3%
Sector avg: 12%
Net Profit Margin
9.2%
Sector avg: 6%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.44x
Sector avg: 1x

Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.

OPENLANE, Inc. Balance Sheet: OPLN Debt, Cash & Liquidity

Current Ratio
1.16x
Quick Ratio
1.16x
Debt/Equity
0.44x
Debt/Assets
0.0%
Interest Coverage
10.86x
Long-term Debt
$550.0M

OPLN Revenue & Earnings Growth: 5-Year Financial Trend

OPLN 5-year financial data: Year 2021: Revenue $2.8B, Net Income $188.5M, EPS $1.42. Year 2022: Revenue $1.5B, Net Income $500.0K, EPS $-0.35. Year 2023: Revenue $1.6B, Net Income $66.5M, EPS $0.16. Year 2024: Revenue $1.8B, Net Income $241.2M, EPS $1.30. Year 2025: Revenue $1.9B, Net Income -$154.1M, EPS $-1.82.
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: OPENLANE, Inc.'s revenue has declined by 30% over the 5-year period, indicating business contraction. The most recent EPS of $-1.82 indicates the company is currently unprofitable.

OPLN Revenue Growth, EPS Growth & YoY Performance

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
15.4%
Free cash flow / Revenue

OPLN Quarterly Earnings & Performance

Quarterly financial performance data for OPENLANE, Inc. including revenue, net income, and earnings per share.
Quarter Revenue Net Income EPS
Q3 2025 $459.8M $28.4M $0.12
Q2 2025 $443.8M $10.7M $0.00
Q1 2025 $429.9M $18.5M $0.05
Q3 2024 $416.3M $12.7M $0.01
Q2 2024 $416.9M $10.7M $0.00
Q1 2024 $416.3M $12.7M $0.01
Q3 2023 $393.0M -$5.8M $0.01
Q2 2023 $384.2M -$181.1M $1.21

Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.

OPENLANE, Inc. Dividends, Buybacks & Capital Allocation

Operating Cash Flow
$352.6M
Cash generated from operations
Stock Buybacks
$45.6M
Shares repurchased (TTM)
Capital Expenditures
$55.4M
Investment in assets
Dividends
None
No dividend program

OPLN SEC Filings: Latest 10-K & 10-Q Analysis

Access official SEC EDGAR filings for OPENLANE, Inc. (CIK: 0001395942)

📋 Recent SEC Filings

Date Form Document Action
Apr 1, 2026 4 xslF345X06/wk-form4_1775084765.xml View →
Mar 3, 2026 8-K kar-20260303.htm View →
Feb 25, 2026 4 xslF345X05/wk-form4_1772035985.xml View →
Feb 25, 2026 4 xslF345X05/wk-form4_1772035903.xml View →
Feb 25, 2026 4 xslF345X05/wk-form4_1772035792.xml View →

Frequently Asked Questions about OPLN

What is the AI rating for OPLN?

OPENLANE, Inc. (OPLN) has an AI rating of HOLD with 68% confidence, based on fundamental analysis of SEC EDGAR filings.

What are OPLN's key strengths?

Claude: Exceptional free cash flow generation ($297.2M, 15.4% FCF margin) significantly exceeds net income relative to revenue. Strong net income growth (+61.7% YoY) with stable operating margin (10.2%) indicating operational leverage.

What are the risks of investing in OPLN?

Claude: Severe and deteriorating EPS (-$0.96, -313.3% YoY decline) despite positive net income indicates massive shareholder dilution or structural capital issues. Thin current ratio (1.16x) and missing liabilities data raise liquidity and balance sheet transparency concerns.

What is OPLN's revenue and growth?

OPENLANE, Inc. reported revenue of $1.9B.

Does OPLN pay dividends?

OPENLANE, Inc. does not currently pay dividends.

Where can I find OPLN SEC filings?

Official SEC filings for OPENLANE, Inc. (CIK: 0001395942) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is OPLN's EPS?

OPENLANE, Inc. has a diluted EPS of $-0.96.

How is the AI analysis conducted?

Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.

Is OPLN a good stock to buy right now?

Based on our AI fundamental analysis in April 2026, OPENLANE, Inc. has a HOLD rating with 68% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.

Is OPLN stock overvalued or undervalued?

Valuation metrics for OPLN: ROE of 14.3% (sector avg: 12%), net margin of 9.2% (sector avg: 6%). Higher ROE suggests strong returns relative to peers.

Should I buy OPLN stock in 2026?

Our dual AI analysis gives OPENLANE, Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.

What is OPLN's free cash flow?

OPENLANE, Inc.'s operating cash flow is $352.6M, with capital expenditures of $55.4M. FCF margin is 15.4%.

How does OPLN compare to other Automotive stocks?

Vs Automotive sector averages: Net margin 9.2% (avg: 6%), ROE 14.3% (avg: 12%), current ratio 1.16 (avg: 1.2).

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Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Apr 13, 2026 | Data as of: 2025-12-31 | Powered by Claude AI