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OPLN

Openlane, Inc

Openlane, Inc is classed by the SEC under Retail-Auto Dealers & Gasoline Stations (industry code 5500), based in Carmel, IN. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $1.9 billion and a profit of $178 million (its filed statements).

Retail business Retail-Auto Dealers & Gasoline Stations Carmel, IN filings since 2008 9 of 9 filed
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Sector peers: MUSARUSHARUSHBCWH

5.8/10headline grade
vs its business-model standard
4.2/10past 5.8/10present 7.3/10future

Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a retail business: prior from its industry code (SEC 5500, Retail-Auto Dealers & Gasoline Stations); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.

The grade, in three tenses

Headline 5.8 out of ten, 9 of 9 metrics filed: past 4.2 out of ten, present 5.8 out of ten, future 7.3 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

  • Surviving crises (past): 5.0 out of ten. 1 warning event since 2017; the latest 2023-03-02. 50th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Track record (past): 3.5 out of ten. -5.3% a year over 10 filed years; profitable in 9 of 10. 35th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Shareholder treatment (past): 3.9 out of ten. Share count shrank 2.8% a year. 11% of cash flow returned. Insiders: 17 sales, 1 purchases. 39th percentile among 14 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Financial health (present): 5.8 out of ten. ROE 14%: 14¢ of profit per shareholder dollar. Leverage 74%: owes 74¢ per asset dollar. 58th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Industry position (present): 6.5 out of ten. top 35% of 21 in its family; net margin 9.2%. 65th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Leadership (present): 4.9 out of ten. bottom 49% of 18 in its family for leadership; chief executive since 2021. 49th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
  • Room to expand (future): 8.0 out of ten. top 20% of 20 in its family for room to expand. 80th percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Growth drivers (future): 6.6 out of ten. top 34% of 21 in its family for growth drivers. 66th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Expectations vs reality (future): 7.7 out of ten. top 23% of 21 in its family for expectations against reality. 77th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-02-18 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-04 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-04 (on EDGAR). Newest filing: Form SCHEDULE 13G/A, 2026-10-08. Filings on record since 2008. Read from EDGAR 2026-10-12.

Where the revenue comes from

Product and service lines in fiscal 2025: Auction and Related Fees 43%, Finance Revenue 22%, Purchased Vehicle Sales 21%, Saa S and Other Revenue 13%. By geography: United States 57%, Foreign 43%. As tagged in its annual report (Form 10-K, filed 2026-02-18).

Who runs it

Peter, Kelly (Chief Executive Officer); Mitchell, William Clyde (President of AFC); Coyle, James P (EVP & President, Marketplace); Herring, Bradley (EVP & CFO); Price, Dwayne P (Chief Accounting Officer); Richer, Tobin P (EVP Marketing & Communications); Coleman, Charles S. (EVP, CLO & Secretary); Nowlin, J Marty (EVP, Human Resources); Smith, Mary Ellen (director); Hult, David W (director); and 6 more. 16 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-01.

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