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Live Oak Bancshares LOB Q2 2025 earnings

Reported July 23, 2025 · After market close

Revenue$142.0MMiss by $5.9M
EPS$0.51Miss by $0.01
Revenue estimate$147.9M
EPS estimate$0.52

Next report

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

Financials

Q2 2025

Income statement

See full
Revenue$143.7M+14.6%
Net income$23.4M-13.1%
EPS (diluted)$0.51-13.6%

Balance sheet

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Cash & equivalents$662.8M+7.7%
Total debt$107.7M-8.6%
Total equity$1.1B+10.6%
Total assets$13.8B+16.5%

Cash flow

See full
Operating cash flow$46.0M+55.9%
CapEx$1.4M-91.7%
Free cash flow$44.6M+262%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$1.34B-14.5%
Enterprise value$787.15M-26.5%
P/E23.9×+9.7×
P/S2.6×-0.6×

Profitability

See full
Net margin10.9%-12.1pp
FCF margin19.3%—

Returns & leverage

See full
Return on equity5.5%-6.8pp
Debt / equity0.1×0.0×

FAQ

When did Live Oak Bancshares report Q2 2025 earnings?
Live Oak Bancshares (LOB) reported Q2 2025 earnings on July 23, 2025 after market close.
What were Live Oak Bancshares's Q2 2025 revenue and EPS?
Live Oak Bancshares reported revenue of $142.0M and eps of $0.51 for Q2 2025.
Did Live Oak Bancshares beat estimates in Q2 2025?
Revenue missed the consensus estimate of $147.9M by $5.9M. EPS missed the consensus estimate of $0.52 by $0.01.
How did Live Oak Bancshares's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 15.1% from $123.4M a year earlier and eps declined 13.6% from $0.59.
Where can I find Live Oak Bancshares's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001462120-25-000054) and the 10-Q periodic report (0001462120-25-000067) directly on SEC EDGAR. The filing index links above go to sec.gov.