Live Oak Bancshares (LOB) FCF Margin (2015 - 2026)
Live Oak Bancshares (LOB) posted quarterly FCF Margin of 69.87% for Q1 2026, up 10094.0% year-over-year from N/an in Q1 2025, and up 38.86% quarter-over-quarter from 50.32% in Q4 2025.
Live Oak Bancshares (LOB) FCF Margin (2015 - 2026) Analysis & Trends
Live Oak Bancshares' FCF Margin history runs 12 years deep, the most recent figure standing at 69.87% for Q1 2026.
- In Q1 2026, FCF Margin rose 10094.0% year-over-year to 69.87%; the TTM figure through Mar 2026 stood at 48.22% (up 3325.0% YoY), while the FY2025 annual figure was 30.78%, up 308.0% from the prior year.
- FCF Margin for Q1 2026 stood at 69.87%, up from 50.32% in the prior quarter.
- The five-year high for FCF Margin was 169.86% in Q1 2022, with the low at 387.9% in Q4 2022.
- The 5-year median for FCF Margin is 31.03% (2025), against an average of 14.9%.
- The sharpest annual moves came in 2022 and 2023: FCF Margin plunged 39936 bps in 2022, then surged 25402 bps in 2023.
- Live Oak Bancshares' FCF Margin stood at 387.9% in 2022, then jumped by 56 bps to 171.54% in 2023, then jumped by 100 bps to 0.66% in 2024, then soared by 7558 bps to 50.32% in 2025, then jumped by 39 bps to 69.87% in 2026.
- Business Quant data shows LOB's FCF Margin at 69.87% in Q1 2026, 50.32% in Q4 2025, and 45.18% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 31.23% |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 62.71% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | - |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | - |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 18.14% |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | - |
| 10 | Live Oak Bancshares | 1.88 Bn | 1.88 Bn | - | 18.17% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 18.17% |
| Mar 31, 2026 | 69.87% |
| Dec 31, 2025 | 50.32% |
| Sep 30, 2025 | 45.18% |
| Jun 30, 2025 | 31.03% |
| Mar 31, 2025 | -31.07% |
| Dec 31, 2024 | 0.66% |
| Sep 30, 2024 | 66.18% |
| Jun 30, 2024 | 10.92% |
| Mar 31, 2024 | 8.66% |
| Dec 31, 2023 | -171.54% |
| Sep 30, 2023 | 164.60% |
| Jun 30, 2023 | 149.02% |
| Mar 31, 2023 | 167.47% |
| Dec 31, 2022 | -387.90% |
| Sep 30, 2022 | 15.08% |
| Jun 30, 2022 | -105.00% |
| Mar 31, 2022 | 169.86% |
| Dec 31, 2021 | 11.46% |
| Sep 30, 2021 | -19.49% |