Live Financial Statements From 2010 to 2026

LOB Stock  USD 39.75  0.25  0.63%   
Live Oak's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Live Oak's valuation are provided below:
Gross Profit
480.8 M
Profit Margin
0.2202
Market Capitalization
1.8 B
Enterprise Value Revenue
3.6254
Revenue
480.8 M
We have found one hundred twenty available fundamental ratios for Live Oak, which can be analyzed and compared to other ratios and to its peers in the industry. All investors should make sure to check all of Live Oak last-minute market performance against the performance between 2010 and 2026 to make sure the company can sustain itself down the road. As of January 30, 2026, Market Cap is expected to decline to about 1.3 B. In addition to that, Enterprise Value is expected to decline to about 1.3 B

Live Oak Total Revenue

1.09 Billion

Check Live Oak financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Live Oak's main balance sheet or income statement drivers, such as Depreciation And Amortization of 14 M, Interest Expense of 483.1 M or Selling General Administrative of 253.7 M, as well as many indicators such as Price To Sales Ratio of 1.44, Dividend Yield of 0.0033 or PTB Ratio of 1.2. Live financial statements analysis is a perfect complement when working with Live Oak Valuation or Volatility modules.
  
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Check out the analysis of Live Oak Correlation against competitors.

Live Oak Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets15.9 B15.1 B5.7 B
Slightly volatile
Short and Long Term Debt Total175.9 M102.4 M152 M
Pretty Stable
Total Current Liabilities14.2 B13.5 B3.4 B
Slightly volatile
Total Stockholder Equity1.3 B1.2 B510.1 M
Slightly volatile
Property Plant And Equipment Net180.4 M240.2 M155.6 M
Slightly volatile
Cash735.4 M700.4 M276.4 M
Slightly volatile
Non Current Assets Total14.9 B14.2 B3.4 B
Slightly volatile
Other Assets15.9 B15.1 B4.8 B
Slightly volatile
Cash And Short Term Investments651.9 M729.6 M571.9 M
Slightly volatile
Common Stock Total Equity227.8 M380.5 M222 M
Slightly volatile
Common Stock Shares Outstanding41.7 M46.3 M37.7 M
Slightly volatile
Short Term Investments27.7 M29.1 M302.1 M
Slightly volatile
Liabilities And Stockholders Equity15.9 B15.1 B5.7 B
Slightly volatile
Non Current Liabilities Total184.6 M206.3 M162.2 M
Pretty Stable
Total Liabilities14.6 B13.9 B5.2 B
Slightly volatile
Property Plant And Equipment Gross461.3 M439.3 M206.8 M
Slightly volatile
Total Current Assets650.3 M729.6 M570.6 M
Slightly volatile
Common Stock262.8 M388.4 M227.4 M
Slightly volatile
Good Will25.6 M37 M21.5 M
Slightly volatile
Intangible Assets66.3 M63.2 M20.3 M
Pretty Stable
Other Liabilities89.1 M84.8 M41.9 M
Slightly volatile
Accounts Payable10.7 B10.2 B4.4 B
Slightly volatile
Long Term Debt195.8 M102.4 M149.8 M
Pretty Stable
Inventory530.1 K558 K56.2 M
Slightly volatile
Property Plant Equipment202 M240.2 M156.7 M
Slightly volatile
Net Tangible Assets497.6 M932.7 M440.6 M
Slightly volatile
Long Term Investments1.3 B1.4 B907.3 M
Slightly volatile
Short Term Debt613.9 K646.2 K18.1 M
Slightly volatile
Net Receivables27.6 M23.7 M35.2 M
Slightly volatile
Retained Earnings Total Equity691.3 M658.4 M251 M
Slightly volatile
Long Term Debt Total97.3 M102.4 M147.3 M
Pretty Stable
Non Current Liabilities Other47.7 M87.8 M43.3 M
Slightly volatile
Earning Assets985.5 M1.9 B1.1 B
Slightly volatile
Capital Lease Obligations4.3 K4.5 K2.1 M
Slightly volatile
Net Invested CapitalB1.3 B772.3 M
Slightly volatile
Capital Stock366.5 M420.4 M337.9 M
Slightly volatile

Live Oak Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization14 M24.1 M12.1 M
Slightly volatile
Interest Expense483.1 M460.1 M129.9 M
Slightly volatile
Selling General Administrative253.7 M241.6 M106.4 M
Slightly volatile
Selling And Marketing Expenses6.8 M12.2 MM
Slightly volatile
Total Revenue1.1 BB383.3 M
Slightly volatile
Gross Profit528.1 M503 M226.2 M
Slightly volatile
Other Operating Expenses924.3 M880.3 M308 M
Slightly volatile
Operating Income169 M161 M75.2 M
Slightly volatile
EBIT169 M161 M75.2 M
Slightly volatile
EBITDA94.4 M185.1 M82.1 M
Slightly volatile
Cost Of Revenue565.2 M538.2 M157 M
Slightly volatile
Total Operating Expenses359.1 M342 M151 M
Slightly volatile
Income Before Tax169 M161 M75.2 M
Slightly volatile
Net Income68.3 M103.8 M59.6 M
Slightly volatile
Net Income Applicable To Common Shares76.1 M102.8 M62.3 M
Slightly volatile
Net Income From Continuing Ops76.8 M89 M57.3 M
Slightly volatile
Net Interest Income453.9 M432.3 M173.5 M
Slightly volatile
Interest Income980.9 M934.2 M309.9 M
Slightly volatile
Non Recurring2.9 M3.3 M3.6 M
Slightly volatile
Reconciled Depreciation21.3 M26.8 M16.2 M
Slightly volatile

Live Oak Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation31.6 M30.1 M12 M
Slightly volatile
Begin Period Cash Flow703.4 M669.9 M250.6 M
Slightly volatile
Depreciation28.1 M26.8 M13.1 M
Slightly volatile
Dividends Paid6.9 M4.9 M8.2 M
Slightly volatile
Capital Expenditures40.8 M56.7 M36.6 M
Slightly volatile
Net Income64.9 M89 M58.5 M
Slightly volatile
Total Cash From Financing Activities927.3 M1.8 B858.3 M
Slightly volatile
End Period Cash Flow735.1 M700.1 M288.8 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.441.51445.3561
Slightly volatile
Dividend Yield0.00330.00350.012
Slightly volatile
PTB Ratio1.21.26165.7115
Slightly volatile
Book Value Per Share28.6827.318812.132
Slightly volatile
Stock Based Compensation To Revenue0.02470.02540.0289
Slightly volatile
Capex To Depreciation2.312.446.4056
Slightly volatile
PB Ratio1.21.26165.7115
Slightly volatile
EV To Sales1.531.61285.0615
Slightly volatile
ROIC0.07150.07530.1444
Slightly volatile
Net Income Per Share1.232.26061.4574
Slightly volatile
Sales General And Administrative To Revenue0.370.23210.3344
Slightly volatile
Capex To Revenue0.0580.0610.1602
Slightly volatile
Cash Per Share11.5612.6913.4188
Slightly volatile
Interest Coverage0.330.34992.3782
Slightly volatile
Payout Ratio0.05040.05310.4496
Slightly volatile
ROE0.07890.0830.2132
Slightly volatile
PE Ratio29.2115.194927.3876
Slightly volatile
Return On Tangible Assets0.00650.00690.0228
Slightly volatile
Earnings Yield0.04160.06580.0498
Slightly volatile
Current Ratio0.05890.0620.1597
Slightly volatile
Tangible Book Value Per Share28.6827.318812.132
Slightly volatile
Graham Number39.0737.213619.4631
Slightly volatile
Shareholders Equity Per Share28.5927.226512.1186
Slightly volatile
Debt To Equity0.07780.08190.3359
Very volatile
Capex Per Share0.780.990.9193
Pretty Stable
Revenue Per Share23.8222.6829.0765
Slightly volatile
Interest Debt Per Share12.8712.25366.5232
Slightly volatile
Debt To Assets0.00640.00680.031
Pretty Stable
Enterprise Value Over EBITDA8.629.072818.2104
Slightly volatile
Price Earnings Ratio29.2115.194927.3876
Slightly volatile
Price Book Value Ratio1.21.26165.7115
Slightly volatile
Dividend Payout Ratio0.05040.05310.4496
Slightly volatile
Pretax Profit Margin0.280.15460.2595
Slightly volatile
Operating Profit Margin0.280.15460.2595
Slightly volatile
Company Equity Multiplier7.8612.10919.6907
Slightly volatile
Long Term Debt To Capitalization0.07190.07570.1451
Pretty Stable
Total Debt To Capitalization0.07190.07570.1782
Pretty Stable
Return On Capital Employed0.01010.01060.1545
Slightly volatile
Debt Equity Ratio0.07780.08190.3359
Very volatile
Ebit Per Revenue0.280.15460.2595
Slightly volatile
Quick Ratio0.05890.0620.1597
Slightly volatile
Net Income Per E B T0.970.64460.9067
Pretty Stable
Cash Ratio0.09720.05960.0893
Slightly volatile
Price To Book Ratio1.21.26165.7115
Slightly volatile
Fixed Asset Turnover2.834.33492.8773
Slightly volatile
Enterprise Value Multiple8.629.072818.2104
Slightly volatile
Debt Ratio0.00640.00680.031
Pretty Stable
Price Sales Ratio1.441.51445.3561
Slightly volatile
Return On Assets0.00650.00690.0228
Slightly volatile
Asset Turnover0.0980.06880.0934
Slightly volatile
Net Profit Margin0.09470.09970.2252
Slightly volatile
Gross Profit Margin0.810.48310.7516
Slightly volatile
Price Fair Value1.21.26165.7115
Slightly volatile
Return On Equity0.07890.0830.2132
Slightly volatile

Live Oak Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap1.3 B1.6 B1.4 B
Slightly volatile
Enterprise Value1.3 B1.7 B1.2 B
Slightly volatile

Live Fundamental Market Drivers

Live Upcoming Events

24th of April 2024
Upcoming Quarterly Report
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23rd of July 2024
Next Financial Report
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31st of March 2024
Next Fiscal Quarter End
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22nd of January 2025
Next Fiscal Year End
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31st of December 2023
Last Quarter Report
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31st of December 2023
Last Financial Announcement
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About Live Oak Financial Statements

Live Oak stakeholders use historical fundamental indicators, such as Live Oak's revenue or net income, to determine how well the company is positioned to perform in the future. Although Live Oak investors may analyze each financial statement separately, they are all interrelated. For example, changes in Live Oak's assets and liabilities are reflected in the revenues and expenses on Live Oak's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Live Oak Bancshares. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total RevenueB1.1 B
Cost Of Revenue538.2 M565.2 M
Stock Based Compensation To Revenue 0.03  0.02 
Sales General And Administrative To Revenue 0.23  0.37 
Capex To Revenue 0.06  0.06 
Revenue Per Share 22.68  23.82 
Ebit Per Revenue 0.15  0.28 

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
When determining whether Live Oak Bancshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Live Oak's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Live Oak Bancshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Live Oak Bancshares Stock:
Check out the analysis of Live Oak Correlation against competitors.
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Live Oak. Expected growth trajectory for Live significantly influences the price investors are willing to assign. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Live Oak assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth
3.479
Dividend Share
0.12
Earnings Share
2.23
Revenue Per Share
10.52
Quarterly Revenue Growth
0.617
Investors evaluate Live Oak Bancshares using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Live Oak's intrinsic value—the estimated true worth—helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause Live Oak's market price to deviate significantly from intrinsic value.
Understanding that Live Oak's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Live Oak represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. Conversely, Live Oak's market price signifies the transaction level at which participants voluntarily complete trades.