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Live Oak Bancshares LOB Provision for Credit Losses

Discontinued — last reported Q2 '26

Provision for Credit Losses at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$2.52B-11.7%
Wells Fargo & Company logo
Wells Fargo & CompanyWFC
$914M-9.1%
The Bancorp logo
The BancorpTBBK
$27.6M-41.1%
First Internet Bancorp logo
First Internet BancorpINBK
-$295K-102%
NewtekOne, Inc. logo
NewtekOne, Inc.NEWT
$9.61M-28.9%
ServisFirst Bancshares logo
ServisFirst BancsharesSFBS
$10.64M+20.5%

Other financials

Income statement

See full
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$1.99B+31.6%
Enterprise value$1.16B+21.3%
P/E14.2×-12.7×
P/S3.3×+0.3×

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:ProvisionForLoanLeaseAndOtherLosses.

The official record: Live Oak Bancshares’s 8-K, filed July 22, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Live Oak Bancshares's provision for credit losses?
Live Oak Bancshares (LOB) reported provision for credit losses of $25.8M in Q2 2026.
How has Live Oak Bancshares's provision for credit losses changed year-over-year?
Live Oak Bancshares's provision for credit losses increased by 11.0% year-over-year, from $23.25M to $25.8M.
What is the long-term trend for Live Oak Bancshares's provision for credit losses?
Over 4 years (2021 to 2025), Live Oak Bancshares's provision for credit losses has grown at a 58.6% compound annual growth rate (CAGR), from $15.21M to $96.3M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.