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Live Oak Bancshares LOB Financing Receivables

Financing Receivables at other companies

Bank of America logo
Bank of AmericaBAC
$18.9B+0.1%
The Bancorp logo
The BancorpTBBK
$7.06B+8.2%
First Internet Bancorp logo
First Internet BancorpINBK
$3.79B-12.6%
Great Southern Bancorp logo
Great Southern BancorpGSBC
$4.31B-5.0%
Southern First Bancshares logo
Southern First BancsharesSFST
FB Bancorp, Inc. logo
FB Bancorp, Inc.FBLA

Other financials

Income statement

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Revenue$156.1M+8.6%
Net income$36.8M+57.1%
EPS (diluted)$0.74+45.1%

Balance sheet

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Cash & equivalents$927.6M+40.0%
Total debt$99.8M-7.3%
Total equity$1.3B+23.9%
Total assets$16.0B+16.0%

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$1.97B+35.5%
Enterprise value$1.14B+27.0%
P/E14.1×-11.8×
P/S3.2×+0.4×

Profitability

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Net margin22.9%+12.0pp
FCF margin43.7%+30.2pp

Returns & leverage

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Return on equity11.7%+6.2pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Live Oak Bancshares in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess.

The source filing: Live Oak Bancshares’s 10-Q, filed May 5, 2026.

Filed
May 5, 2026, 4:36 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001462120-26-000039
Commercial Land
Small Business Banking677,4342,1403,2795,419682,85324,297707,150
Total677,4342,1403,2795,419682,85324,297707,150
Total$$11,585,113$$76,237$$289,460$$365,697$$11,950,810$$244,940$$12,195,750
Retained Loan Discount and Net Deferred Costs$$(37,534)
Loans and Leases, Net$$12,158,216
Guaranteed Balance$$2,972,452$$44,866$$231,802$$276,668$$3,249,120$$67,614$$3,316,734
% Guaranteed25.7%58.9%80.1%75.7%27.2%27.6%27.2%

Item 1. Financial Statements (Unaudited)

FAQ

What is Live Oak Bancshares's financing receivables?
Live Oak Bancshares (LOB) reported financing receivables of $12.2B in Q1 2026.
How has Live Oak Bancshares's financing receivables changed year-over-year?
Live Oak Bancshares's financing receivables increased by 13.7% year-over-year, from $10.73B to $12.2B.
What is the long-term trend for Live Oak Bancshares's financing receivables?
Over 4 years (2021 to 2025), Live Oak Bancshares's financing receivables has grown at a 21.4% compound annual growth rate (CAGR), from $5.53B to $12.01B.

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