LOB
NYSE · Banking
Live Oak Bancshares Inc
$34.01
+0.11 (+0.32%)
Financial Highlights (FY 2026)
Revenue
580.93M
Net Income
106.08M
Gross Margin
—
Profit Margin
31.2%
Rev Growth
+24.9%
D/E Ratio
0.08
Revenue & Net Income
Margin Trends
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Gross Margin | — | — | 61.4% | 61.4% |
| Operating Margin | 37.2% | 33.5% | 36.4% | 35.6% |
| Profit Margin | 31.2% | 29.6% | 37.6% | 29.6% |
Income Statement
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Revenue | 580.93M | 465.01M | 513.91M | 431.92M |
| Gross Profit | — | — | 315.39M | 265.08M |
| Operating Income | 216.07M | 155.66M | 187.04M | 153.69M |
| Net Income | 106.08M | 76.42M | 192.99M | 127.64M |
| Gross Margin | — | — | 61.4% | 61.4% |
| Operating Margin | 37.2% | 33.5% | 36.4% | 35.6% |
| Profit Margin | 31.2% | 29.6% | 37.6% | 29.6% |
| Rev Growth | +24.9% | +24.9% | +0.3% | +2.2% |
Balance Sheet
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Total Debt | 59.39M | 59.39M | 441.43M | 456.04M |
| Total Equity | 725.10M | 725.10M | 712.29M | 714.02M |
| D/E Ratio | 0.08 | 0.08 | 0.62 | 0.64 |
Cash Flow
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| EBITDA | 99.21M | 75.44M | 256.75M | 219.74M |
| Free Cash Flow | — | — | 79.70M | 56.90M |