Live Oak Bancshares (LOB) EBIT Margin (2014 - 2026)
Live Oak Bancshares' (LOB) quarterly EBIT Margin came in at 126.53% in Q1 2026, up 471.0% year-on-year from 22.16% in Q1 2025, and down 9.41% quarter-over-quarter from 139.67% in Q4 2025.
Live Oak Bancshares (LOB) EBIT Margin (2014 - 2026) Analysis & Trends
Live Oak Bancshares' EBIT Margin history runs 13 years deep, the most recent figure standing at 126.53% for Q1 2026.
- On a quarterly basis, EBIT Margin rose 471.0% year-over-year to 126.53% in Q1 2026; TTM through Mar 2026 was 117.07%, a 10455.0% increase from a year earlier, with the FY2025 full-year figure at 129.45%, down 616.0% from the prior year.
- EBIT Margin declined to 126.53% in Q1 2026 per LOB's latest filing, from 139.67% in the prior quarter.
- Across five years, EBIT Margin topped out at 171.01% in Q2 2022 and bottomed at 56.76% in Q4 2024.
- The 5-year median for EBIT Margin is 104.39% (2025), against an average of 88.89%.
- Across the five-year window, EBIT Margin tumbled 8368 bps in 2022 and jumped 19643 bps in 2025, its largest moves.
- Year by year, EBIT Margin stood at 27.71% in 2022, then plunged by 55 bps to 42.86% in 2023, then plunged by 32 bps to 56.76% in 2024, then jumped by 346 bps to 139.67% in 2025, then dropped by 9 bps to 126.53% in 2026.
- Per Business Quant, the three latest LOB EBIT Margin figures stand at 126.53% (Q1 2026), 139.67% (Q4 2025), and 104.39% (Q3 2025).
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | KB Financial | 42,090.38 Bn | 42,090.38 Bn | -786,828.77 | 258,184.93% |
| 2 | Shinhan Financial | 33,919.15 Bn | 33,919.15 Bn | - | 779.48% |
| 3 | Bank Of Chile | 4,123.52 Bn | 4,123.52 Bn | 167,623.00 | 167.25% |
| 4 | Lloyds Banking | 360.83 Bn | 360.83 Bn | - | 39.06% |
| 5 | First Capital | 204.17 Bn | 203.82 Bn | - | 1,471.89% |
| 6 | Landmark Bancorp | 187.97 Bn | 187.94 Bn | - | 66.28% |
| 7 | NatWest | 144.82 Bn | -51.17 Bn | - | 46.65% |
| 8 | Pnc Financial Services | 101.80 Bn | 101.80 Bn | - | 76.58% |
| 9 | Us Bancorp | 99.51 Bn | 99.51 Bn | - | 123.92% |
| 10 | Live Oak Bancshares | 1.95 Bn | 1.95 Bn | - | 126.53% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 126.53% |
| Dec 31, 2025 | 139.67% |
| Sep 30, 2025 | 104.39% |
| Jun 30, 2025 | 101.75% |
| Mar 31, 2025 | 121.82% |
| Dec 31, 2024 | -56.76% |
| Sep 30, 2024 | 99.88% |
| Jun 30, 2024 | 138.07% |
| Mar 31, 2024 | 145.43% |
| Dec 31, 2023 | -42.86% |
| Sep 30, 2023 | 128.30% |
| Jun 30, 2023 | 119.73% |
| Mar 31, 2023 | 82.59% |
| Dec 31, 2022 | -27.71% |
| Sep 30, 2022 | 86.83% |
| Jun 30, 2022 | 171.01% |
| Mar 31, 2022 | 72.42% |
| Dec 31, 2021 | 55.97% |
| Sep 30, 2021 | 73.17% |
| Jun 30, 2021 | 125.97% |