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Live Oak Bancshares LOB Q1 2025 earnings

Reported April 23, 2025 · After market close

Revenue$123.8MMiss by $7.9M
EPS$0.21Miss by $0.17
Revenue estimate$131.7M
EPS estimate$0.38

Next report

Oct 28, 2026 (in a month)
Revenue estimate$164.8M
EPS estimate$0.82

Financials

Q1 2025

Income statement

See full
Revenue$122.9M+5.8%
Net income$9.7M-64.8%
EPS (diluted)$0.21-65.0%

Balance sheet

See full
Cash & equivalents$744.3M+24.6%
Total debt$110.2M-8.3%
Total equity$1.0B+10.7%
Total assets$13.6B+18.2%

Cash flow

See full
Operating cash flow-$29.8M-199%
CapEx$2.3M-89.4%
Free cash flow-$32.1M-478%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$1.21B-34.6%
Enterprise value$580.76M-57.9%
P/E20.4×+2.0×
P/S2.5×-1.6×

Profitability

See full
Net margin12%-9.8pp
FCF margin13.5%—

Returns & leverage

See full
Return on equity6.1%-5.5pp
Debt / equity0.1×0.0×

FAQ

When did Live Oak Bancshares report Q1 2025 earnings?
Live Oak Bancshares (LOB) reported Q1 2025 earnings on April 23, 2025 after market close.
What were Live Oak Bancshares's Q1 2025 revenue and EPS?
Live Oak Bancshares reported revenue of $123.8M and eps of $0.21 for Q1 2025.
Did Live Oak Bancshares beat estimates in Q1 2025?
Revenue missed the consensus estimate of $131.7M by $7.9M. EPS missed the consensus estimate of $0.38 by $0.17.
How did Live Oak Bancshares's Q1 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.7% from $118.2M a year earlier and eps declined 41.7% from $0.36.
Where can I find Live Oak Bancshares's Q1 2025 SEC filings?
You can read the 8-K earnings release (0001462120-25-000031) and the 10-Q periodic report (0001462120-25-000035) directly on SEC EDGAR. The filing index links above go to sec.gov.