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STOCKS

Live Oak Bancshares (LOB)

NYSE:LOB

LOB

Live Oak Bancshares

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Live Oak Bancshares (LOB) Ratios

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Live Oak Bancshares Ratios

LOB's free cash flow for Q4 2024 was $1.00. For the 2024 fiscal year, LOB's free cash flow was decreased by $ and operating cash flow was $0.14. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	25.98	0.02	25.98	137.25	72.73
Quick Ratio	25.98	0.02	25.98	137.25	72.73
Cash Ratio	5.68	0.15	5.68	23.99	20.96
Solvency Ratio	0.02	<0.01	0.02	0.03	0.01
Operating Cash Flow Ratio	2.49	0.16	2.49	-14.96	-18.84
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	-14.96	-18.84
Net Current Asset Value	$ -7.75B	$ -10.28B	$ -7.75B	$ -6.40B	$ -6.25B
Leverage Ratios
Debt-to-Assets Ratio	0.01	<0.01	0.01	0.04	0.20
Debt-to-Equity Ratio	0.16	0.03	0.16	0.45	2.72
Debt-to-Capital Ratio	0.14	0.03	0.14	0.31	0.73
Long-Term Debt-to-Capital Ratio	0.04	0.03	0.04	0.31	0.73
Financial Leverage Ratio	12.15	12.49	12.15	11.49	13.86
Debt Service Coverage Ratio	1.68	0.28	1.68	2.60	0.75
Interest Coverage Ratio	2.80	0.30	2.80	3.27	0.51
Debt to Market Cap	0.03	0.01	0.03	0.09	0.80
Interest Debt Per Share	5.99	8.26	5.99	8.87	40.21
Net Debt to EBITDA	-0.65	-5.37	-0.65	0.54	17.93
Profitability Margins
Gross Profit Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	53.67%	69.32%	53.67%	47.69%	16.65%
EBITDA Margin	58.98%	87.12%	58.98%	52.53%	24.27%
Operating Profit Margin	83.52%	86.59%	83.52%	47.69%	16.65%
Pretax Profit Margin	53.67%	69.32%	53.67%	47.69%	16.65%
Net Profit Margin	44.97%	61.84%	44.97%	37.78%	20.92%
Continuous Operations Profit Margin	44.97%	61.84%	44.97%	37.78%	20.92%
Net Income Per EBT	83.78%	89.22%	83.78%	79.22%	125.65%
EBT Per EBIT	64.26%	80.05%	64.26%	100.00%	100.00%
Return on Assets (ROA)	1.79%	0.66%	1.79%	2.03%	0.76%
Return on Equity (ROE)	21.73%	8.19%	21.73%	23.35%	10.49%
Return on Capital Employed (ROCE)	3.34%	1.39%	3.34%	2.57%	0.60%
Return on Invested Capital (ROIC)	10.85%	-2.66%	10.85%	7.44%	2.89%
Return on Tangible Assets	1.79%	0.66%	1.79%	2.04%	0.76%
Earnings Yield	13.97%	3.66%	13.97%	4.43%	3.08%
Efficiency Ratios
Receivables Turnover	0.00	0.00	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	1.49	1.72	1.49	1.84	1.10
Asset Turnover	0.04	0.01	0.04	0.05	0.04
Working Capital Turnover Ratio	0.34	-0.10	0.34	0.42	0.33
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00
Days of Sales Outstanding	0.00	0.00	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	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	2.98	13.98	2.98	-2.77	-6.71
Free Cash Flow Per Share	1.93	12.92	1.93	-2.84	-7.23
CapEx Per Share	1.05	1.06	1.05	0.07	0.52
Free Cash Flow to Operating Cash Flow	0.65	0.92	0.65	1.03	1.08
Dividend Paid and CapEx Coverage Ratio	2.54	11.89	2.54	-14.48	-10.54
Capital Expenditure Coverage Ratio	2.85	13.24	2.85	-38.84	-13.01
Operating Cash Flow Coverage Ratio	0.93	26.55	0.93	-0.38	-0.18
Operating Cash Flow to Sales Ratio	0.32	5.19	0.32	-0.27	-0.96
Free Cash Flow Yield	6.40%	28.40%	6.40%	-3.26%	-15.23%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	7.16	27.31	7.16	22.57	32.42
Price-to-Sales (P/S) Ratio	3.22	16.89	3.22	8.53	6.78
Price-to-Book (P/B) Ratio	1.56	2.24	1.56	5.27	3.40
Price-to-Free Cash Flow (P/FCF) Ratio	15.63	3.52	15.63	-30.69	-6.57
Price-to-Operating Cash Flow Ratio	10.13	3.25	10.13	-31.48	-7.07
Price-to-Earnings Growth (PEG) Ratio	0.60	-0.44	0.60	0.14	0.14
Price-to-Fair Value	1.56	2.24	1.56	5.27	3.40
Enterprise Value Multiple	4.80	14.01	4.80	16.78	45.88
Enterprise Value	1.11B	1.46B	1.11B	3.89B	3.17B
EV to EBITDA	4.80	14.01	4.80	16.78	45.88
EV to Sales	2.83	12.21	2.83	8.81	11.13
EV to Free Cash Flow	13.75	2.54	13.75	-31.72	-10.78
EV to Operating Cash Flow	8.92	2.35	8.92	-32.53	-11.61
Tangible Book Value Per Share	18.60	19.59	18.60	15.77	13.10
Shareholders’ Equity Per Share	19.42	20.35	19.42	16.57	13.96
Tax and Other Ratios
Effective Tax Rate	0.16	0.11	0.16	0.21	-0.26
Revenue Per Share	9.38	2.69	9.38	10.24	7.00
Net Income Per Share	4.22	1.67	4.22	3.87	1.46
Tax Burden	0.84	0.89	0.84	0.79	1.26
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	0.46	1.60	0.46	0.30	0.42
Stock-Based Compensation to Revenue	0.05	0.15	0.05	0.04	0.05
Income Quality	0.71	8.39	0.71	-0.72	-4.58

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