Live Oak Bancshares (LOB) FCF Margin (2014 - 2026)
Live Oak Bancshares (LOB) reported FCF Margin of 18.17% for Q2 2026, down 18.97 percentage points from 37.15% a year earlier and down 40.49 percentage points from the prior quarter.
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Analysis
Live Oak Bancshares (LOB) FCF Margin (2014 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, Live Oak Bancshares' FCF Margin came in at 38.94%, up 18.04 percentage points year-over-year; for FY2025, it was 24.83%, up 2.83 percentage points from FY2024.
- FCF Margin has a five-year change of +125.28 percentage points (FY2020 to FY2025).
- By year, FCF Margin came in at 22.00% in FY2024 (-8.73 pp), 30.73% in FY2023 (+91.65 pp), -60.92% in FY2022 (-34.05 pp) and -26.87% in FY2021 (+73.58 pp).
- The Q2 2026 figure ranks as the lowest quarterly FCF Margin since Q1 2025.
- Year over year, FCF Margin gained in five of the last eight quarters, with an average year-over-year change of +35.05 percentage points.
- The high point for year-over-year FCF Margin in five years was Q4 2024 (a gain of 294.99 percentage points); the low point was Q4 2022 (a drop of 399.56 percentage points).
- Per Business Quant data, the three quarters before Q2 2026 came in at 58.66% (Q1 2026), 43.49% (Q4 2025) and 36.46% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | 66.09% |
| 2 | Banco Santander Chile | 407.42 Bn | -7,109.68 Bn | - | - |
| 3 | Bank Of America | 353.20 Bn | -2,022.91 Bn | - | -21.69% |
| 4 | Hsbc Holdings | 307.88 Bn | -2,967.28 Bn | - | - |
| 5 | Morgan Stanley | 298.41 Bn | -244.41 Bn | - | -230.94% |
| 6 | Royal Bank Of Canada | 283.46 Bn | -546.54 Bn | - | 189.34% |
| 7 | Goldman Sachs | 264.45 Bn | -3,478.99 Bn | - | 19.57% |
| 8 | Mitsubishi Ufj Financial | 259.19 Bn | -159.36 Bn | 5.24 Bn | - |
| 9 | Wells Fargo & Company | 258.28 Bn | 93.72 Bn | - | 40.54% |
| 10 | Live Oak Bancshares | 1.63 Bn | 1.51 Bn | - | 70.82% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 70.82% |
| Jun 30, 2026 | 18.17% |
| Mar 31, 2026 | 58.66% |
| Dec 31, 2025 | 34.32% |
| Sep 30, 2025 | 45.19% |
| Jun 30, 2025 | 37.15% |
| Mar 31, 2025 | -26.09% |
| Dec 31, 2024 | 39.04% |
| Sep 30, 2024 | 31.56% |
| Jun 30, 2024 | 9.82% |
| Mar 31, 2024 | 7.31% |
| Dec 31, 2023 | -255.95% |
| Sep 30, 2023 | 115.18% |
| Jun 30, 2023 | 119.79% |
| Mar 31, 2023 | 145.73% |
| Dec 31, 2022 | -387.90% |
| Sep 30, 2022 | 9.36% |
| Jun 30, 2022 | -41.72% |
| Mar 31, 2022 | 123.50% |
| Dec 31, 2021 | 11.66% |
API Access
Live Oak Bancshares FCF Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=fcf-margin&ticker=LOB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "LOB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=LOB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();