Live Oak Bancshares (LOB) EBITDA Margin (2014 - 2026)
Live Oak Bancshares (LOB) posted quarterly EBITDA Margin of 126.53% for Q1 2026, up 471.0% year-over-year from 22.16% in Q1 2025, and down 8.49% quarter-over-quarter from 138.28% in Q4 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 126.53% for Q1 2026.
- In Q1 2026, EBITDA Margin rose 471.0% year-over-year to 126.53%; the TTM figure through Mar 2026 stood at 116.77% (down 400.0% YoY), while the FY2025 annual figure was 129.45%, down 616.0% from the prior year.
- EBITDA Margin for Q1 2026 stood at 126.53%, down from 138.28% in the prior quarter.
- The five-year high for EBITDA Margin was 171.01% in Q2 2022, with the low at 48.99% in Q4 2022.
- The 5-year median for EBITDA Margin is 119.73% (2023), against an average of 110.36%.
- The sharpest annual moves came in 2023 and 2024: EBITDA Margin sank 5128 bps in 2023, then jumped 6440 bps in 2024.
- Live Oak Bancshares' EBITDA Margin stood at 48.99% in 2022, then increased by 28 bps to 62.86% in 2023, then soared by 102 bps to 127.26% in 2024, then climbed by 9 bps to 138.28% in 2025, then dropped by 8 bps to 126.53% in 2026.
- Business Quant data shows LOB's EBITDA Margin at 126.53% in Q1 2026, 138.28% in Q4 2025, and 104.39% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 75.24% |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 77.50% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | -20.34% |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 111.11% |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | 53.44% |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 79.03% |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 66.98% |
| 10 | Live Oak Bancshares | 1.88 Bn | 1.88 Bn | - | 103.88% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 103.88% |
| Mar 31, 2026 | 126.53% |
| Dec 31, 2025 | 138.28% |
| Sep 30, 2025 | 104.39% |
| Jun 30, 2025 | 101.75% |
| Mar 31, 2025 | 121.82% |
| Dec 31, 2024 | 127.26% |
| Sep 30, 2024 | 99.88% |
| Jun 30, 2024 | 138.07% |
| Mar 31, 2024 | 145.43% |
| Dec 31, 2023 | 62.86% |
| Sep 30, 2023 | 128.30% |
| Jun 30, 2023 | 119.73% |
| Mar 31, 2023 | 82.59% |
| Dec 31, 2022 | 48.99% |
| Sep 30, 2022 | 86.83% |
| Jun 30, 2022 | 171.01% |
| Mar 31, 2022 | 72.42% |
| Dec 31, 2021 | 53.24% |
| Sep 30, 2021 | 73.17% |