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Friday 6 November 2026
Export LOB’s income statement to Excel — free account
Live Oak Bancshares, Inc.
Live Oak Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 12.2% from fiscal 2024.
- Revenue
- +17.0%
- EPS
- +1.25%
- Free cash flow
- +92.4%
Quarter to September 2026, against a year earlier
34.15
0.25
+0.74%
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| Sep '26 | Jun '26 | Mar '26 | Dec '25 | Older periods | |
|---|---|---|---|---|---|
P/E ratio |
12.54 | 14.18 | 12.53 | 15.33 |
+8 more quarters Free account |
P/S ratio |
1.49 | 1.75 | 1.44 | 1.51 | |
P/FCF ratio |
5.41 | 7.60 | 5.56 | 9.98 | |
P/Operating CF |
13.23 | 60.59 | 17.46 | 22.87 | |
P/B ratio |
1.38 | 1.55 | 1.29 | 1.36 | |
Price to Tangible BV |
1.46 | 1.64 | 1.36 | 1.43 | |
EV/Sales |
— | 0.89 | 0.67 | 0.68 | |
EV/EBITDA |
— | 0.00 | 0.00 | 0.00 | |
EV/Operating CF |
— | 3.80 | 2.58 | 4.45 | |
EV/FCF |
— | 3.87 | 2.58 | 4.48 | |
Quick Ratio |
0.07 | 0.06 | 0.06 | 0.06 | |
Current Ratio |
0.95 | 0.95 | 0.95 | 0.95 | |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.00% | |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.00 | |
Asset Turnover |
0.07 | 0.07 | 0.07 | 0.07 | |
Operating CF/Net income |
5.22 | 0.90 | 3.13 | 1.56 | |
Capex/Depreciation |
0.25 | (0.07) | (0.26) | (0.31) | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
46.38% | 40.47% | 40.55% | 38.30% | |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | |
Share Based Compensation of Revenue |
2.15% | 2.77% | 2.63% | 2.22% | |
Graham Net Nets |
(0.53) | (0.45) | (0.53) | (0.52) | |
Graham Number |
41.29 | 41.35 | 39.07 | 35.73 | |
Earnings Yield |
7.98% | 7.05% | 7.98% | 6.52% | |
Free Cash Flow Yield |
18.50% | 13.15% | 18.00% | 10.02% | |
Revenue per Share |
6.52 | 5.89 | 5.63 | 6.33 | |
Operating CF per Share |
2.74 | 0.67 | 1.89 | 1.50 | |
Capex per Share |
0.03 | (0.01) | (0.04) | (0.07) | |
Free Cash Flow per Share |
2.77 | 0.67 | 1.85 | 1.44 | |
Cash per Share |
23.75 | 20.06 | 17.69 | 18.93 | |
Shareholders Equity per Share |
28.33 | 28.46 | 27.78 | 27.44 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
28.33 | 28.46 | 27.78 | 27.44 | |
Free Cash Flow |
128.18 | 30.78 | 85.56 | 65.59 | |
Working Capital |
(811.59) | (770.16) | (718.17) | (724.49) | |
Capital Expenditures |
1.44 | (0.41) | (1.82) | (3.05) | |
Net Current Asset Value |
(896.96) | (844.09) | (801.64) | (814.10) | |
EV/EBIT |
— | 0.00 | 0.00 | 0.00 | |
Capex to Sales |
0.00 | 0.00 | 0.01 | 0.01 | |
Price to Operating Income |
9.14 | 10.22 | 8.95 | 10.94 | |
| Other line items | |||||
Average Payables |
14,379.45 | 13,571.16 | 13,115.51 | 12,724.58 | |
Average Assets |
15,815.74 | 14,934.68 | 14,447.87 | 14,039.08 | |
Average Common Equity |
1,161.13 | 1,143.96 | 1,108.47 | 1,080.67 |
Columns are period end dates · fundamentals updated 5 Nov 2026