LIVE OAK BANCSHARES, INC. financials
Source: EDGAR filings · Built 2026-06-02T03:28:41Z
Key metrics by reporting period
Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.
Derived Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 143.49M | 107.47M | 138.06M | -344.50M | -122.80M | -281.99M |
| Net Debt | -760.26M | -493.21M | -556.01M | -330.88M | 116.98M | 1.23B |
| Return on Equity (ROE) | 8.47% | 7.75% | 8.19% | 21.73% | 23.35% | 10.49% |
| Return on Assets (ROA) | 0.70% | 0.60% | 0.66% | 1.79% | 2.03% | 0.76% |
| Debt-to-Equity | 0.08× | 0.12× | 0.03× | 0.11× | 0.45× | 2.72× |
| Effective Tax Rate | 26.03% | 13.24% | 10.78% | 16.22% | 20.78% | -25.65% |
| Cash Conversion Ratio | 1.49× | 2.02× | 2.50× | -1.71× | -0.72× | -4.38× |
| Accruals Ratio | -0.00× | -0.01× | -0.01× | 0.05× | 0.03× | 0.04× |
| CapEx Coverage | 10.72× | 3.18× | 3.95× | -6.87× | -38.84× | -12.43× |
| Free Cash Flow Per Share | $3.12 | $2.35 | $0.00 | $-0.01 | $-0.00 | $-0.01 |
Valuation Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 15.40× | 23.40× | 27.74× | 7.70× | 23.53× | 33.19× |
| P/FCF | 11.02× | 16.86× | — | — | — | — |
| FCF Yield | 9.07% | 5.93% | 0.01% | — | — | — |
| P/B | 1.27× | 1.80× | 2.26× | 1.64× | 5.34× | 3491.17× |
Income Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Income Tax Expense (Benefit) | 37.17M | 11.82M | 8.93M | 34.12M | 43.79M | -12.15M |
| Net Income (Loss) Attributable to Parent | 105.87M | 77.47M | 73.90M | 176.21M | 167.00M | 59.54M |
| Earnings Per Share, Basic | $2.25 | $1.72 | $1.67 | $4.02 | $3.87 | $1.46 |
| Weighted Average Number of Shares Outstanding, Basic | 45.70M | 45.01M | 44.35M | 43.86M | 43.17B | 40.68B |
| Earnings Per Share, Diluted | $2.23 | $1.69 | $1.64 | $3.92 | $3.71 | $1.43 |
| Weighted Average Number of Shares Outstanding, Diluted | 46.04M | 45.82M | 45.09B | 44.91B | 45.07B | 41.77B |
Balance Sheet
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Assets | 15.13B | 12.94B | 11.27B | 9.86B | 8.21B | 7.87B |
| Liabilities | 13.88B | 11.94B | 10.37B | 9.04B | 7.50B | 7.30B |
| Stockholders' Equity Attributable to Parent | 1.25B | 999.03M | 902.67M | 811.03M | 715.13M | 567.85M |
Cash Flow Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 158.24M | 156.78M | 184.90M | -300.74M | -119.72M | -261.00M |
| Payments to Acquire Property, Plant, and Equipment | 14.76M | 49.31M | 46.84M | 43.75M | 3.08M | 20.99M |
| Net Cash Provided by (Used in) Investing Activities | -1.90B | -1.70B | -1.34B | -1.02B | -149.80M | -2.62B |
| Payments of Dividends | — | 5.41M | 5.33M | 5.27M | 5.19M | 4.91M |
| Net Cash Provided by (Used in) Financing Activities | 2.00B | 1.57B | 1.32B | 1.53B | 154.95M | 2.98B |
Derived Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 85.34M | 70.39M | 73.10M | 12.54M | -32.06M | 45.66M |
| Net Debt | -716.39M | -760.26M | -787.40M | -555.10M | -634.02M | -493.21M |
| Return on Equity (ROE) | 2.35% | 3.70% | 2.21% | 2.20% | 0.95% | 0.99% |
| Return on Assets (ROA) | 0.20% | 0.31% | 0.18% | 0.17% | 0.07% | 0.08% |
| Debt-to-Equity | 0.08× | 0.08× | 0.09× | 0.10× | 0.11× | 0.12× |
| Effective Tax Rate | 25.28% | 25.50% | 27.63% | 25.05% | 26.38% | 25.60% |
| Cash Conversion Ratio | 2.91× | 1.72× | 2.96× | 0.69× | -3.06× | 5.02× |
| Accruals Ratio | -0.00× | -0.00× | -0.00× | 0.00× | 0.00× | -0.00× |
| CapEx Coverage | 42.69× | 8.57× | 14.40× | 4.37× | -12.98× | 12.36× |
| Free Cash Flow Per Share | $1.83 | $1.53 | $1.58 | $0.27 | $-0.70 | $1.00 |
Valuation Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 12.67× | 15.47× | 23.80× | 24.63× | 20.67× | 23.54× |
| P/B | 1.20× | 1.27× | 1.35× | 1.28× | 1.18× | 1.80× |
Income Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Income Tax Expense (Benefit) | 10.13M | 15.79M | 10.11M | 7.82M | 3.46M | 3.39M |
| Net Income (Loss) Attributable to Parent | 30.04M | 46.21M | 26.52M | 23.43M | 9.72M | 9.90M |
| Earnings Per Share, Basic | $0.61 | $0.96 | $0.56 | $0.51 | $0.21 | $0.22 |
| Weighted Average Number of Shares Outstanding, Basic | 46.14M | 45.70M | 45.78M | 45.63M | 45.38M | 45.01M |
| Earnings Per Share, Diluted | $0.60 | $0.95 | $0.55 | $0.51 | $0.21 | $0.21 |
| Weighted Average Number of Shares Outstanding, Diluted | 46.51M | 46.04M | 46.22M | 45.80M | 45.75M | 45.82M |
Balance Sheet
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Assets | 15.30B | 15.13B | 14.67B | 13.83B | 13.60B | 12.94B |
| Liabilities | 14.02B | 13.88B | 13.46B | 12.76B | 12.56B | 11.94B |
| Stockholders' Equity Attributable to Parent | 1.28B | 1.25B | 1.20B | 1.06B | 1.03B | 999.03M |
Cash Flow Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 87.38M | 79.69M | 78.55M | 16.26M | -29.77M | 49.67M |
| Payments to Acquire Property, Plant, and Equipment | 2.05M | 9.30M | 5.45M | 3.72M | 2.29M | 4.02M |
| Net Cash Provided by (Used in) Investing Activities | -273.40M | -497.46M | -1.41B | -787.44M | -464.52M | -465.21M |
| Payments of Dividends | — | — | — | 2.74M | 1.37M | 1.36M |
| Net Cash Provided by (Used in) Financing Activities | 137.25M | 390.23M | 1.61B | 825.13M | 629.75M | 357.75M |
Raw XBRL tagging for a single filing
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Methodology
All facts on this page come straight from SEC EDGAR XBRL
company-facts filings (LOB CIK 0001462120),
grouped by financial statement using FASB's base
us-gaap presentation taxonomy. Filers may re-parent
concepts onto different statements in their own extension
taxonomy, so a handful of rows can show up under a different
statement than on the actual 10-K / 10-Q; custom concepts and
any we couldn't map fall into Other. Hover a
cell to see the fully-qualified concept name and the filer's
description.
For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.