Live Oak Bancshares (LOB) EBITDA Margin (2014 - 2026)
Live Oak Bancshares (LOB) recorded quarterly EBITDA Margin of 108.77% in Q1 2026, down 3.33% quarter-over-quarter from 112.52% in Q4 2025, and up 345.0% on a YoY basis from 24.44% in Q1 2025.
Live Oak Bancshares (LOB) EBITDA Margin (2014 - 2026) Analysis & Trends
Live Oak Bancshares' EBITDA Margin history runs 13 years deep, the most recent figure standing at 108.77% for Q1 2026.
- In Q1 2026, EBITDA Margin rose 345.0% year-over-year to 108.77%; the TTM figure through Mar 2026 stood at 108.2% (down 114.0% YoY), while the FY2025 annual figure was 106.84%, down 359.0% from the prior year.
- EBITDA Margin was 108.77% for Q1 2026 at Live Oak Bancshares, down from 112.52% in the prior quarter.
- In the past five years, EBITDA Margin ranged from a high of 131.82% in Q3 2023 to a low of 52.57% in Q4 2022.
- Historically, EBITDA Margin has averaged 95.72% across 5 years, with a median of 105.33% in 2025.
- The sharpest annual moves came in 2023 and 2024: EBITDA Margin soared 7526 bps in 2023, then sank 2927 bps in 2024.
- A 5-year view of EBITDA Margin shows it stood at 52.57% in 2022, then surged by 100 bps to 105.34% in 2023, then increased by 7 bps to 112.96% in 2024, then retreated by 0 bps to 112.52% in 2025, then slipped by 3 bps to 108.77% in 2026.
- The last three EBITDA Margin figures came in at 108.77% (Q1 2026), 112.52% (Q4 2025), and 106.66% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 97,765.53 Bn | 97,765.53 Bn | - | - |
| 2 | Bank Bradesco | 6,846.93 Bn | 6,830.99 Bn | - | - |
| 3 | Lloyds Banking | 384.13 Bn | 384.40 Bn | - | 39.06% |
| 4 | First Capital | 215.78 Bn | 215.63 Bn | - | 515.04% |
| 5 | Itau Unibanco Holding | 202.78 Bn | 202.78 Bn | - | - |
| 6 | Landmark Bancorp | 180.37 Bn | 180.34 Bn | - | 61.45% |
| 7 | NatWest | 168.65 Bn | -51.67 Bn | - | 46.65% |
| 8 | Shinhan Financial | 136.54 Bn | 104.11 Bn | - | 7,561,492.12% |
| 9 | Mizuho Financial | 112.02 Bn | 112.56 Bn | - | -157.25% |
| 10 | Live Oak Bancshares | 1.80 Bn | 1.80 Bn | - | 108.77% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 108.77% |
| Dec 31, 2025 | 112.52% |
| Sep 30, 2025 | 106.66% |
| Jun 30, 2025 | 104.32% |
| Mar 31, 2025 | 105.33% |
| Dec 31, 2024 | 112.96% |
| Sep 30, 2024 | 102.55% |
| Jun 30, 2024 | 116.91% |
| Mar 31, 2024 | 109.71% |
| Dec 31, 2023 | 105.34% |
| Sep 30, 2023 | 131.82% |
| Jun 30, 2023 | 99.95% |
| Mar 31, 2023 | 75.62% |
| Dec 31, 2022 | 52.57% |
| Sep 30, 2022 | 56.57% |
| Jun 30, 2022 | 69.76% |
| Mar 31, 2022 | 55.88% |
| Dec 31, 2021 | 59.32% |
| Sep 30, 2021 | 60.18% |
| Jun 30, 2021 | 68.11% |