Discounted Cash Flow
Live Oak Bancshares, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | — | $13.8m | $-232.8m | — | $0.40 |
| 2017 | — | $100.5m (629.7%) | $-411.7m (-76.8%) | — | $2.75 (587.5%) |
| 2018 | — | $51.4m (-48.8%) | $-99.8m (75.8%) | — | $1.28 (-53.5%) |
| 2019 | — | $18.0m (-64.9%) | $-531.1m (-432.2%) | — | $0.45 (-64.8%) |
| 2020 | — | $59.5m (230.2%) | $-294.0m (44.6%) | — | $1.46 (224.4%) |
| 2021 | — | $167.0m (180.5%) | $-122.8m (58.2%) | — | $3.87 (165.1%) |
| 2022 | — | $176.2m (5.5%) | $80.7m (165.7%) | — | $4.02 (3.9%) |
| 2023 | — | $73.9m (-58.1%) | $573.2m (610.0%) | — | $1.67 (-58.5%) |
| 2024 | — | $77.5m (4.8%) | $96.3m (-83.2%) | — | $1.72 (3.0%) |
| 2025 | — | $105.9m (36.7%) | $143.5m (48.9%) | — | $2.25 (30.8%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.