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Live Oak Bancshares LOB Q4 2025 Annual earnings

Reported January 21, 2026 · After market close

Revenue$172.9MBeat by $22.5M
EPS$0.95Beat by $0.39
Revenue estimate$150.4M
EPS estimate$0.56

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$163.8M
EPS estimate$0.82

Financials

Q4 2025

Income statement

See full
Revenue$161.9M+38.4%
Net income$46.2M+367%
EPS (diluted)$0.95+352%

Balance sheet

See full
Cash & equivalents$864.9M+42.1%
Total debt$104.6M-9.5%
Total equity$1.2B+25.1%
Total assets$15.1B+16.9%

Cash flow

See full
Operating cash flow$79.7M+60.4%
CapEx$9.3M+132%
Free cash flow$70.4M+54.2%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.58B-11.9%
Enterprise value$814.95M-37.0%
P/E14.9×-8.2×
P/S2.7×-0.9×

Profitability

See full
Net margin18.4%+2.6pp
FCF margin25%+3.0pp

Returns & leverage

See full
Return on equity9.4%+1.3pp
Debt / equity0.1×0.0×

Versus estimates

Revenue

Q2 2026$156.1MBeat by $1.0MQ1 2026$145.5MMiss by $5.8M
Q4 2025$172.9MBeat by $22.5M
Q3 2025$142.5MMiss by $8.8MQ2 2025$142.0MMiss by $5.9MQ1 2025$123.8MMiss by $7.9M

Diluted EPS

Q2 2026$0.74Beat by $0.06Q1 2026$0.60Beat by $0.06
Q4 2025$0.95Beat by $0.39
Q3 2025$0.55Miss by $0.03Q2 2025$0.51Miss by $0.01Q1 2025$0.21Miss by $0.17

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Questions, answered.

When did Live Oak Bancshares report Q4 2025 earnings?
Live Oak Bancshares (LOB) reported Q4 2025 earnings on January 21, 2026 after market close.
What were Live Oak Bancshares's Q4 2025 revenue and EPS?
Live Oak Bancshares reported revenue of $172.9M and eps of $0.95 for Q4 2025.
Did Live Oak Bancshares beat estimates in Q4 2025?
Revenue beat the consensus estimate of $150.4M by $22.5M. EPS beat the consensus estimate of $0.56 by $0.39.
How did Live Oak Bancshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 27.9% from $239.9M a year earlier and eps grew 342.9% from $0.21.
Where can I find Live Oak Bancshares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001462120-26-000004) and the 10-K periodic report (0001462120-26-000020) directly on SEC EDGAR. The filing index links above go to sec.gov.