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Live Oak Bancshares LOB Free cash flow margin

Free cash flow margin at other companies

The Bancorp logo
The BancorpTBBK
52.2%+11.7pp
OFG Bancorp logo
OFG BancorpOFG
25.6%-10.0pp
National Bank Holdings logo
National Bank HoldingsNBHC
9.2%-21.6pp
Northwest Bancshares logo
Northwest BancsharesNWBI
16.6%—
Customers Bancorp logo
Customers BancorpCUBI
46.9%+9.0pp
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
33.5%-20.7pp

Other financials

Income statement

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Revenue$145.5M+18.4%
Net income$30.0M+209%
EPS (diluted)$0.60+186%

Balance sheet

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Cash & equivalents$816.1M+9.7%
Total debt$99.7M-9.5%
Total equity$1.3B+24.4%
Total assets$15.3B+12.5%

Cash flow

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Operating cash flow$87.4M+394%
CapEx$2.0M-10.8%
Free cash flow$85.3M+366%

Valuation

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Market cap$1.84B+25.8%
Enterprise value$1.13B+39.8%
P/E14.6×-10.0×
P/S3.1×+0.1×

Profitability

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Net margin21.1%+9.1pp

Returns & leverage

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Return on equity11%+4.9pp
Debt / equity0.1×0.0×

Where this comes from

Calculated from Live Oak Bancshares’s reported figures.

free cash flow/total revenue=43.7%

Based on trailing twelve months.

The official record: Live Oak Bancshares’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Live Oak Bancshares's free cash flow margin?
Live Oak Bancshares (LOB) reported free cash flow margin of 43.7% in Q1 2026.
How has Live Oak Bancshares's free cash flow margin changed year-over-year?
Live Oak Bancshares's free cash flow margin increased by 223.3% year-over-year, from 13.5% to 43.7%.
What is the long-term trend for Live Oak Bancshares's free cash flow margin?
Over 2 years (2022 to 2025), Live Oak Bancshares's free cash flow margin has grown at a -36.0% compound annual growth rate (CAGR), from -60.9% to 25%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.