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%+9.1pp | 18.4%+2.6pp | 13.1%-4.2pp | 10.9%-12.1pp | 12%-9.8pp | |
| Free cash flow margin | 43.7%— | 25%— | 22.4%— | —— | —— | |
| 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%— | 9.1%— | 7.4%— | —— | —— | |
| 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 |
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.
