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STOCKS

Live Oak Bancshares (LOB)

NYSE:LOB

LOB

Live Oak Bancshares

RESEARCH TOOLSreports

Live Oak Bancshares (LOB) Ratios

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405 Followers

Live Oak Bancshares Ratios

LOB's free cash flow for Q4 2025 was $0.58. For the 2025 fiscal year, LOB's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	1.75K	1.75K	0.05	0.17	0.15
Quick Ratio	1.75K	1.75K	0.05	0.17	0.15
Cash Ratio	1.60K	1.60K	0.05	0.06	0.03
Solvency Ratio	<0.01	<0.01	<0.01	<0.01	0.02
Operating Cash Flow Ratio	147.03	291.96	0.05	0.06	0.01
Short-Term Operating Cash Flow Coverage	147.03	291.96	0.00	0.00	2.49
Net Current Asset Value	$ -12.93B	$ -12.93B	$ -11.31B	$ -8.66B	$ -7.75B
Leverage Ratios
Debt-to-Assets Ratio	<0.01	<0.01	<0.01	<0.01	<0.01
Debt-to-Equity Ratio	0.08	0.08	0.11	0.03	0.10
Debt-to-Capital Ratio	0.08	0.08	0.10	0.03	0.09
Long-Term Debt-to-Capital Ratio	0.08	0.08	0.10	0.03	0.04
Financial Leverage Ratio	12.11	12.11	12.96	12.49	12.15
Debt Service Coverage Ratio	0.28	0.28	0.23	0.28	1.18
Interest Coverage Ratio	0.35	0.35	0.20	0.24	1.80
Debt to Market Cap	0.07	0.07	0.06	0.01	0.06
Interest Debt Per Share	12.30	12.30	12.20	8.26	4.56
Net Debt to EBITDA	-4.11	-4.11	-4.41	-5.37	-0.87
Profitability Margins
Gross Profit Margin	48.31%	48.31%	42.68%	49.23%	68.97%
EBIT Margin	15.46%	15.46%	9.60%	10.67%	41.33%
EBITDA Margin	17.78%	17.78%	12.11%	13.41%	45.42%
Operating Profit Margin	15.46%	15.46%	9.60%	10.67%	41.33%
Pretax Profit Margin	15.46%	15.46%	9.60%	10.67%	41.33%
Net Profit Margin	9.97%	9.97%	8.34%	9.52%	34.63%
Continuous Operations Profit Margin	9.95%	9.95%	8.33%	9.52%	34.63%
Net Income Per EBT	64.46%	64.46%	86.82%	89.22%	83.78%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.69%	0.69%	0.60%	0.66%	1.79%
Return on Equity (ROE)	9.15%	8.30%	7.75%	8.19%	21.73%
Return on Capital Employed (ROCE)	1.06%	1.06%	7.54%	8.31%	22.85%
Return on Invested Capital (ROIC)	0.68%	0.68%	6.54%	7.42%	18.16%
Return on Tangible Assets	0.69%	0.69%	0.60%	0.66%	1.79%
Earnings Yield	7.11%	6.58%	4.35%	3.66%	13.30%
Efficiency Ratios
Receivables Turnover	12.25	12.25	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.33	4.33	3.52	3.01	1.93
Asset Turnover	0.07	0.07	0.07	0.07	0.05
Working Capital Turnover Ratio	-0.19	-0.20	-0.09	-0.10	-0.07
Cash Conversion Cycle	29.80	29.80	0.00	0.00	0.00
Days of Sales Outstanding	29.80	29.80	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	29.80	29.80	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	1.74	3.45	11.92	13.98	2.84
Free Cash Flow Per Share	1.53	3.13	10.82	12.92	1.84
CapEx Per Share	0.20	0.32	1.10	1.06	1.00
Free Cash Flow to Operating Cash Flow	0.88	0.91	0.91	0.92	0.65
Dividend Paid and CapEx Coverage Ratio	4.61	6.79	9.81	11.89	2.54
Capital Expenditure Coverage Ratio	8.57	10.72	10.88	13.24	2.85
Operating Cash Flow Coverage Ratio	0.76	1.51	4.76	26.55	1.50
Operating Cash Flow to Sales Ratio	0.08	0.15	0.58	0.80	0.24
Free Cash Flow Yield	4.79%	9.10%	27.37%	28.40%	6.09%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	14.06	15.19	22.98	27.31	7.52
Price-to-Sales (P/S) Ratio	1.41	1.51	1.92	2.60	2.60
Price-to-Book (P/B) Ratio	1.17	1.26	1.78	2.24	1.63
Price-to-Free Cash Flow (P/FCF) Ratio	20.87	10.99	3.65	3.52	16.41
Price-to-Operating Cash Flow Ratio	18.31	9.96	3.32	3.25	10.64
Price-to-Earnings Growth (PEG) Ratio	0.28	0.50	7.67	-0.47	1.94
Price-to-Fair Value	1.17	1.26	1.78	2.24	1.63
Enterprise Value Multiple	3.83	4.41	11.41	14.01	4.86
Enterprise Value	708.52M	816.54M	1.28B	1.46B	1.12B
EV to EBITDA	3.83	4.41	11.41	14.01	4.86
EV to Sales	0.68	0.78	1.38	1.88	2.21
EV to Free Cash Flow	10.07	5.69	2.64	2.54	13.92
EV to Operating Cash Flow	8.89	5.16	2.39	2.35	9.03
Tangible Book Value Per Share	27.32	27.32	22.29	20.35	18.49
Shareholders’ Equity Per Share	27.23	27.23	22.20	20.35	18.49
Tax and Other Ratios
Effective Tax Rate	0.36	0.36	0.13	0.11	0.16
Revenue Per Share	22.68	22.68	20.65	17.51	11.60
Net Income Per Share	2.26	2.26	1.72	1.67	4.02
Tax Burden	0.64	0.64	0.87	0.89	0.84
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.23	0.23	0.21	0.25	0.35
Stock-Based Compensation to Revenue	<0.01	0.03	0.03	0.02	0.04
Income Quality	1.28	1.50	6.93	8.39	0.71

Currency in USD