Live Oak Bancshares (LOB) EBITDA Margin (2014 - 2026)

Live Oak Bancshares' EBITDA Margin history runs 13 years deep, the most recent figure standing at 126.53% for Q1 2026.

• On a quarterly basis, EBITDA 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.
• EBITDA Margin declined to 126.53% in Q1 2026 per LOB's latest filing, from 139.67% in the prior quarter.
• Across five years, EBITDA Margin topped out at 171.01% in Q2 2022 and bottomed at 56.76% in Q4 2024.
• The 5-year median for EBITDA Margin is 104.39% (2025), against an average of 88.89%.
• Across the five-year window, EBITDA Margin tumbled 8368 bps in 2022 and jumped 19643 bps in 2025, its largest moves.
• Year by year, EBITDA 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 EBITDA Margin figures stand at 126.53% (Q1 2026), 139.67% (Q4 2025), and 104.39% (Q3 2025).