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%+9.1pp	18.4%+2.6pp	13.1%-4.2pp	10.9%-12.1pp	12%-9.8pp
Free cash flow margin	43.7%+30.2pp	25%+3.0pp	22.4%—	19.3%—	13.5%—
Returns
Return on equity	11%+4.9pp	9.4%+1.3pp	6.3%-2.7pp	5.5%-6.8pp	6.1%-5.5pp
Return on assets	0.9%+0.4pp	0.8%+0.1pp	0.5%-0.2pp	0.4%-0.5pp	0.5%-0.4pp
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+25.8%	$1.58B-11.9%	$1.61B-24.4%	$1.34B-14.5%	$1.21B-34.6%
Enterprise value	$812.09M+39.8%	$814.95M-37.0%	$823.26M-47.9%	$787.15M-26.5%	$580.76M-57.9%
Price / earnings	12.1×-8.3×	14.9×-8.2×	23.2×-2.3×	23.9×+9.7×	20.4×+2.0×
Price / sales	2.6×+0.1×	2.7×-0.9×	3×-1.4×	2.6×-0.6×	2.5×-1.6×
Price / book	1.2×0.0×	1.3×-0.5×	1.3×-0.8×	1.3×-0.4×	1.2×-0.8×
EV / sales	1.4×+0.2×	1.4×-1.2×	1.6×-1.7×	1.5×-0.7×	1.2×-1.8×
Free cash flow yield	17.1%+11.6pp	9.1%+3.1pp	7.4%—	7.4%—	5.5%—
Earnings yield	8.3%+3.3pp	6.7%+2.4pp	4.3%+0.4pp	4.2%-2.9pp	4.9%-0.5pp
Dividend yield	0.4%-0.1pp	0.3%0.0pp	0.3%+0.1pp	0.4%+0.1pp	0.4%+0.2pp
PEG ratio	0.1×—	0.4×-4.4×	——	——	——

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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.