Live Oak Bancshares (LOB) EBT Margin (2014 - 2026)
Live Oak Bancshares (LOB) posted quarterly EBT Margin of 32.82% for Q1 2026, up 2009.0% year-over-year from 1.56% in Q1 2025, and down 31.6% quarter-over-quarter from 47.97% in Q4 2025.
Live Oak Bancshares (LOB) EBT Margin (2014 - 2026) Analysis & Trends
Live Oak Bancshares' EBT Margin history runs 13 years deep, the most recent figure standing at 32.82% for Q1 2026.
- In Q1 2026, EBT Margin rose 2009.0% year-over-year to 32.82%; the TTM figure through Mar 2026 stood at 31.38% (up 1342.0% YoY), while the FY2025 annual figure was 30.64%, up 764.0% from the prior year.
- EBT Margin for Q1 2026 stood at 32.82%, down from 47.97% in the prior quarter.
- The five-year high for EBT Margin was 147.69% in Q2 2022, with the low at 0.68% in Q4 2022.
- The 5-year median for EBT Margin is 22.55% (2024), against an average of 32.37%.
- The sharpest annual moves came in 2022 and 2023: EBT Margin jumped 4419 bps in 2022, then tumbled 12593 bps in 2023.
- Live Oak Bancshares' EBT Margin stood at 0.68% in 2022, then surged by 1308 bps to 9.62% in 2023, then surged by 36 bps to 13.09% in 2024, then surged by 266 bps to 47.97% in 2025, then sank by 32 bps to 32.82% in 2026.
- Business Quant data shows LOB's EBT Margin at 32.82% in Q1 2026, 47.97% in Q4 2025, and 25.03% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 37.61% |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 35.39% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | 55.27% |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 36.74% |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | 22.42% |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 34.47% |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 31.64% |
| 10 | Live Oak Bancshares | 1.88 Bn | 1.88 Bn | - | 29.34% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 29.34% |
| Mar 31, 2026 | 32.82% |
| Dec 31, 2025 | 47.97% |
| Sep 30, 2025 | 25.03% |
| Jun 30, 2025 | 21.71% |
| Mar 31, 2025 | 12.73% |
| Dec 31, 2024 | 13.09% |
| Sep 30, 2024 | 13.73% |
| Jun 30, 2024 | 31.95% |
| Mar 31, 2024 | 22.55% |
| Dec 31, 2023 | 9.62% |
| Sep 30, 2023 | 40.95% |
| Jun 30, 2023 | 21.76% |
| Mar 31, 2023 | 4.09% |
| Dec 31, 2022 | 0.68% |
| Sep 30, 2022 | 50.49% |
| Jun 30, 2022 | 147.69% |
| Mar 31, 2022 | 53.42% |
| Dec 31, 2021 | 42.14% |
| Sep 30, 2021 | 54.28% |