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Live Oak Bancshares Inc. (LOB)
:LOB
Total Valuation
Live Oak Bancshares has a market cap or net worth of $1.08B. The enterprise value is $1.34B.
Market Cap$1.08B
Enterprise Value$1.34B
Share Statistics
Live Oak Bancshares has 45.59M shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding45.59M
Owened by Insiders19.71%
Owened by Instutions34.75%
Financial Efficiency
Live Oak Bancshares’s return on equity (ROE) is 0.08 and return on invested capital (ROIC) is 32.77%.
Return on Equity (ROE)7.75%
Return on Assets (ROA)0.60%
Return on Invested Capital (ROIC)32.77%
Return on Capital Employed (ROCE)6.19%
Revenue Per Employee$393,184.524
Profits Per Employee$56,126.984
Employee Count1,008
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Live Oak Bancshares is 23.01. Live Oak Bancshares’s PEG ratio is 7.69.
PE Ratio23.01
PS Ratio2.19
PB Ratio1.78
Price to Fair Value1.78
Price to FCF-247.42
Price to Operating Cash Flow-247.42
PEG Ratio7.69
Income Statement
In the last 12 months, Live Oak Bancshares had revenue of $396.33M and earned $56.58M in profits. Earnings per share was $1.26.
Revenue$396.33M
Gross Profit$417.80M
Operating Income$36.83M
Pretax Income$75.53M
Net Income$56.58M
EBITDA24.15M
Earnings Per Share (EPS)1.26
Cash Flow
In the last 12 months, operating cash flow was $536.47M and capital expenditures -$49.31M, giving a free cash flow of $487.16M billion.
Operating Cash Flow$536.47M
Free Cash Flow$487.16M
Free Cash Flow per Share$10.69
Dividends & Yields
Live Oak Bancshares pays an annual dividend of $0.12, resulting in a dividend yield of 0.51%
Dividend Per Share$0.12
Dividend Yield0.51%
Payout Ratio7.58%
Free Cash Flow Yield-0.40%
Earnings Yield4.35%
Stock Price Statistics
Beta1.29
52-Week Price Change-37.20%
50-Day Moving Average29.86
200-Day Moving Average39.33
Relative Strength Index (RSI)31.78
Average Volume (3m)441.87K
Important Dates
Live Oak Bancshares upcoming earnings date is Apr 23, 2025, After Close.
Last Earnings DateJan 22, 2025
Next Earnings DateApr 23, 2025
Ex-Dividend DateFeb 25, 2025
Financial Position
Live Oak Bancshares as a current ratio of 0.00, with Debt / Equity ratio of 0.11
Current Ratio0.00
Quick Ratio0.00
Debt to Market Cap0.06
Net Debt to EBITDA0.00
Interest Coverage Ratio1.84
Taxes
In the past 12 months, Live Oak Bancshares has paid $19.02M in taxes.
Income Tax$19.02M
Effective Tax Rate13.24%
Enterprise Valuation
Live Oak Bancshares EV to EBITDA ratio is 0.00, with an EV/FCF ratio of -178.58.
EV to Sales1.58
EV to EBITDA0.00
EV to Free Cash Flow-178.58
EV to Operating Cash Flow-178.58
Balance Sheet
Live Oak Bancshares has $634.39M in cash and marketable securities with $112.82M in debt, giving a net cash position of -$521.57M billion.
Cash & Marketable Securities$634.39M
Total Debt$112.82M
Net Cash-$521.57M
Net Cash Per Share-$11.44
Tangible Book Value Per Share$22.26
Margins
Gross margin is 100.00%, with operating margin of 98.63%, and net profit margin of 9.54%.
Gross Margin100.00%
Operating Margin98.63%
Pretax Margin10.98%
Net Profit Margin9.54%
EBITDA Margin0.00%
EBIT Margin-2.87%
Analyst Forecast
The average price target for Live Oak Bancshares is $41.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$41.00
Price Target Upside74.62%
Analyst ConsensusHold
Analyst Count2
Revenue Growth Forecast16.48%
EPS Growth Forecast3.59%