OPLNOPENLANE, Inc.
Is it safe?
Solid, nothing alarming. Balance sheet to watch.
Mixed, watch the balance sheet Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.
Insiders were net sellers (-$274.4M, 90 days to Oct 8, 2026), selling is often routine.
Rock-solid balance sheet, low leverage. A rule of thumb on leverage, not a credit rating.
Moderate price swings, typical volatility. Worst drawdown -64% · now 11% below its 52-week high.
Unless marked, from SEC EDGAR, as of Dec 31, 2025.
Against the whole market›
Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.
Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.
Can OPLN take a bad year?
OPENLANE, Inc. carries $345M of net debt at 1.04× EBITDA: a load its earnings can carry.
Net debt · as at Q2 2026 · under two and a half years of EBITDA, comfortable
- Net debt / EBITDA
- 1.04×
Net debt / EBITDA · −0.38× a year ago · the load is going up
- Altman Z-score
- 1.55
Altman Z-score · distress zone, below 1.8
- Interest cover
- 7.68×
Interest cover · operating profit covers the interest bill several times over
Details›
- Total debtQ2 2026
- $535M
- Cash and short-term investments
- $190M
- Net debt
- $345M
- EBITDA, trailing twelve months
- $330M
- Operating profit, trailing twelve months
- $239M
- Debt / equity
- 0.34×
- Total debt / EBITDA
- 1.62×
- Annualised volatilitytwo years of daily moves
- 34%
- Worst drawdown on file
- −64%
- Below its 52-week high
- 11%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Auto & Truck Dealerships
Ranks #11 of 13 by RyuScore