Live Oak Bancshares (LOB) FCF Margin (2015 - 2026)

Live Oak Bancshares' FCF Margin history runs 12 years deep, the most recent figure standing at 69.87% for Q1 2026.

• On a quarterly basis, FCF Margin rose 10094.0% year-over-year to 69.87% in Q1 2026; TTM through Mar 2026 was 48.29%, a 4066.0% increase from a year earlier, with the FY2025 full-year figure at 30.78%, up 308.0% from the prior year.
• FCF Margin rose to 69.87% in Q1 2026 per LOB's latest filing, from 50.61% in the prior quarter.
• Across five years, FCF Margin topped out at 169.86% in Q1 2022 and bottomed at 188.2% in Q4 2022.
• The 5-year median for FCF Margin is 31.03% (2025), against an average of 33.19%.
• Across the five-year window, FCF Margin tumbled 19987 bps in 2022 and surged 25402 bps in 2023, its largest moves.
• Year by year, FCF Margin stood at 188.2% in 2022, then jumped by 68 bps to 60.19% in 2023, then jumped by 100 bps to 0.13% in 2024, then jumped by 40383 bps to 50.61% in 2025, then soared by 38 bps to 69.87% in 2026.
• Per Business Quant, the three latest LOB FCF Margin figures stand at 69.87% (Q1 2026), 50.61% (Q4 2025), and 45.18% (Q3 2025).