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Live Oak Bancshares LOB Q3 2025 earnings

Reported October 22, 2025 · After market close

Revenue$142.5MMiss by $8.8M
EPS$0.55Miss by $0.03
Revenue estimate$151.3M
EPS estimate$0.58

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$146.1M+12.4%
Net income$26.5M+104%
EPS (diluted)$0.55+96.4%

Balance sheet

See full
Cash & equivalents$892.4M+33.9%
Total debt$105.0M-9.0%
Total equity$1.2B+18.9%
Total assets$14.7B+16.3%

Cash flow

See full
Operating cash flow$62.3M+31.4%
CapEx$1.7M-72.9%
Free cash flow$60.6M+47.7%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.61B-24.4%
Enterprise value$823.26M-47.9%
P/E23.2×-2.3×
P/S3×-1.4×

Profitability

See full
Net margin13.1%-4.2pp
FCF margin22.4%—

Returns & leverage

See full
Return on equity6.3%-2.7pp
Debt / equity0.1×0.0×

FAQ

When did Live Oak Bancshares report Q3 2025 earnings?
Live Oak Bancshares (LOB) reported Q3 2025 earnings on October 22, 2025 after market close.
What were Live Oak Bancshares's Q3 2025 revenue and EPS?
Live Oak Bancshares reported revenue of $142.5M and eps of $0.55 for Q3 2025.
Did Live Oak Bancshares beat estimates in Q3 2025?
Revenue missed the consensus estimate of $151.3M by $8.8M. EPS missed the consensus estimate of $0.58 by $0.03.
How did Live Oak Bancshares's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 12.8% from $126.3M a year earlier and eps grew 96.4% from $0.28.
Where can I find Live Oak Bancshares's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001462120-25-000088) and the 10-Q periodic report (0001462120-25-000106) directly on SEC EDGAR. The filing index links above go to sec.gov.