Where do Live Oak Bancshares's ratios come from?

Every ratio is computed from Live Oak Bancshares's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

Live Oak Bancshares LOB Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	21.1%+2.7pp	18.4%+5.3pp	13.1%+2.2pp	10.9%-1.1pp	12%-3.8pp
Free cash flow margin	43.7%+18.7pp	25%+2.6pp	22.4%+3.1pp	19.3%+5.8pp	13.5%-8.5pp
Returns
Return on equity	11%+1.5pp	9.4%+3.1pp	6.3%+0.8pp	5.5%-0.6pp	6.1%-2.0pp
Return on assets	0.9%+0.1pp	0.8%+0.2pp	0.5%+0.1pp	0.4%0.0pp	0.5%-0.2pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Debt-to-assets	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Valuation
Market capitalization	$1.53B-3.0%	$1.58B-2.2%	$1.61B+20.0%	$1.34B+10.5%	$1.21B-32.0%
Enterprise value	$812.09M-0.4%	$814.95M-1.0%	$823.26M+4.6%	$787.15M+35.5%	$580.76M-55.1%
Price / earnings	12.1×-2.8×	14.9×-8.3×	23.2×-0.8×	23.9×+3.6×	20.4×-2.7×
Price / sales	2.6×-0.2×	2.7×-0.3×	3×+0.4×	2.6×+0.2×	2.5×-1.2×
Price / book	1.2×-0.1×	1.3×-0.1×	1.3×+0.1×	1.3×+0.1×	1.2×-0.6×
EV / sales	1.4×-0.1×	1.4×-0.1×	1.6×0.0×	1.5×+0.4×	1.2×-1.5×
Free cash flow yield	17.1%+8.0pp	9.1%+1.7pp	7.4%0.0pp	7.4%+1.9pp	5.5%-0.5pp
Earnings yield	8.3%+1.5pp	6.7%+2.4pp	4.3%+0.1pp	4.2%-0.7pp	4.9%+0.6pp
Dividend yield	0.4%0.0pp	0.3%0.0pp	0.3%-0.1pp	0.4%0.0pp	0.4%+0.1pp
PEG ratio	0.1×-0.3×	0.4×—	——	——	——

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Questions, answered.

Where do Live Oak Bancshares's ratios come from?: Every ratio is computed from Live Oak Bancshares's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.