Live Oak Bancshares LOB Ratios & Valuation
| TTM Q1 '26 | TTM Q4 '25 | TTM Q3 '25 | TTM Q2 '25 | TTM 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%— | —— | —— | |
| 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%— | —— | —— | |
| 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 |
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.