← Live Oak Bancshares, Inc. LOB
Market Price
$43.20
Market Cap
$2.00B
P/E Ratio
19.37
Revenue (FY 2025)
↑15.6% YoY
$577.82M
3-Yr CAGR: 0.7%
Net Income
↑36.7% YoY
$105.87M
Net Margin: 18.3%
Free Cash Flow
↑48.9% YoY
$143.49M
FCF Yield: 7.16%
EPS (Diluted)
↑32.0% YoY
$2.23
Basic: $2.25
Return on Equity
Efficiency
8.5%
ROA: 0.7%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (LOB)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $136.2M | — | $121.6M | $13.8M | — | $0.39 | — | $-221.9M | $-232.8M | — |
| FY 2017 | $251.0M | +84.3% | $225.5M | $100.5M | +629.7% | $2.65 | +579.5% | $-287.5M | $-411.7M | -76.8% |
| FY 2018 | $211.8M | -15.6% | $157.2M | $51.4M | -48.8% | $1.24 | -53.2% | $11.5M | $-99.8M | +75.8% |
| FY 2019 | $208.0M | -1.8% | $120.1M | $18.0M | -64.9% | $0.44 | -64.5% | $-493.9M | $-531.1M | -432.2% |
| FY 2020 | $280.7M | +35.0% | $187.0M | $59.5M | +230.2% | $1.43 | +225.0% | $-273.0M | $-294.0M | +44.6% |
| FY 2021 | $457.0M | +62.8% | $392.6M | $167.0M | +180.5% | $3.71 | +159.4% | $-119.7M | $-122.8M | +58.2% |
| FY 2022 | $565.5M | +23.7% | $448.5M | $176.2M | +5.5% | $3.92 | +5.7% | $124.5M | $80.7M | +165.7% |
| FY 2023 | $457.0M | -19.2% | $114.1M | $73.9M | -58.1% | $1.64 | -58.2% | $620.1M | $573.2M | +610.0% |
| FY 2024 | $499.7M | +9.3% | $63.2M | $77.5M | +4.8% | $1.69 | +3.0% | $145.7M | $96.3M | -83.2% |
| FY 2025 | $577.8M | +15.6% | $117.7M | $105.9M | +36.7% | $2.23 | +32.0% | $158.2M | $143.5M | +48.9% |
Valuation
Market Price
$43.20
Market Cap
$2.00B
Enterprise Value
N/A
P/E Ratio
19.37
P/B Ratio
1.60
FCF Yield
7.16%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
20.37%
Operating Margin
24.72%
Net Margin
18.32%
Return on Equity (ROE)
8.47%
Return on Assets (ROA)
0.70%
Asset Turnover
0.04x
Revenue 3-Yr CAGR
0.72%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
N/A
Total Debt
N/A
Book Value / Share
$27.02
Cash Flow Efficiency
Operating Cash Flow
$158.24M
Capital Expenditures (CapEx)
$14.76M
Free Cash Flow
$143.49M
OCF / Revenue
27.39%
FCF / Revenue
24.83%
FCF 3-Yr CAGR
21.13%
Per Share Metrics
EPS (Diluted)
$2.23
EPS (Basic)
$2.25
Dividends / Share
N/A
Book Value / Share
$27.02
EPS YoY Growth
31.95%
Balance Sheet (FY 2025)
Total Assets
$15.13B
Total Liabilities
$13.88B
Stockholders' Equity
$1.25B
Current Assets
N/A
Current Liabilities
N/A