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

Live Oak Bancshares' EBT Margin history runs 13 years deep, the most recent figure standing at 27.55% for Q1 2026.

• In Q1 2026, EBT Margin rose 1687.0% year-over-year to 27.55%; the TTM figure through Mar 2026 stood at 28.43% (up 1222.0% YoY), while the FY2025 annual figure was 24.72%, up 645.0% from the prior year.
• EBT Margin was 27.55% for Q1 2026 at Live Oak Bancshares, down from 38.25% in the prior quarter.
• In the past five years, EBT Margin ranged from a high of 58.68% in Q2 2022 to a low of 0.68% in Q4 2022.
• Historically, EBT Margin has averaged 23.72% across 5 years, with a median of 21.71% in 2025.
• The sharpest annual moves came in 2022 and 2025: EBT Margin tumbled 4221 bps in 2022, then surged 2694 bps in 2025.
• A 5-year view of EBT Margin shows it stood at 0.68% in 2022, then surged by 2187 bps to 15.62% in 2023, then retreated by 28 bps to 11.31% in 2024, then jumped by 238 bps to 38.25% in 2025, then declined by 28 bps to 27.55% in 2026.
• The last three EBT Margin figures came in at 27.55% (Q1 2026), 38.25% (Q4 2025), and 25.03% (Q3 2025), per Business Quant data.