Live Oak Bancshares (LOB) Free Cash Flow (2015 - 2026)
Live Oak Bancshares (LOB) posted quarterly Free Cash Flow of $85.3 million for Q1 2026, up 366.17% year-over-year from $18.3 million in Q1 2025, and up 31.42% quarter-over-quarter from $64.9 million in Q4 2025.
Live Oak Bancshares (LOB) Free Cash Flow (2015 - 2026) Analysis & Trends
Live Oak Bancshares' Free Cash Flow history runs 12 years deep, the most recent figure standing at $85.3 million for Q1 2026.
- In Q1 2026, Free Cash Flow rose 366.17% year-over-year to $85.3 million; the TTM figure through Mar 2026 stood at $260.9 million (up 289.84% YoY), while the FY2025 annual figure was $143.5 million, up 33.51% from the prior year.
- Free Cash Flow for Q1 2026 stood at $85.3 million, up from $64.9 million in the prior quarter.
- The five-year high for Free Cash Flow was $171.9 million in Q3 2023, with the low at -$407.2 million in Q4 2022.
- The 5-year median for Free Cash Flow is $44.6 million (2025), against an average of $7.6 million.
- The sharpest annual moves came in 2022 and 2025: Free Cash Flow tumbled 3234.9% in 2022, then jumped 9679.22% in 2025.
- Live Oak Bancshares' Free Cash Flow stood at -$407.2 million in 2022, then advanced by 23.43% to -$311.8 million in 2023, then jumped by 100.21% to $664000.0 in 2024, then surged by 9679.22% to $64.9 million in 2025, then jumped by 31.42% to $85.3 million in 2026.
- Business Quant data shows LOB's Free Cash Flow at $85.3 million in Q1 2026, $64.9 million in Q4 2025, and $66.0 million in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Free Cash Flow (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 2.15 Bn |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 4.82 Bn |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | - |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | - |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 955.00 Mn |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | - |
| 10 | Live Oak Bancshares | 1.89 Bn | 1.89 Bn | - | 28.38 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 28.38 Mn |
| Jun 30, 2026 | 28.38 Mn |
| Mar 31, 2026 | 85.34 Mn |
| Mar 31, 2026 | 85.34 Mn |
| Dec 31, 2025 | 64.93 Mn |
| Dec 31, 2025 | 64.93 Mn |
| Sep 30, 2025 | 66.01 Mn |
| Sep 30, 2025 | 66.01 Mn |
| Jun 30, 2025 | 44.61 Mn |
| Jun 30, 2025 | 44.61 Mn |
| Mar 31, 2025 | -32.06 Mn |
| Mar 31, 2025 | -32.06 Mn |
| Dec 31, 2024 | 664,000.00 |
| Dec 31, 2024 | 664,000.00 |
| Sep 30, 2024 | 85.99 Mn |
| Sep 30, 2024 | 85.99 Mn |
| Jun 30, 2024 | 12.32 Mn |
| Jun 30, 2024 | 12.32 Mn |
| Mar 31, 2024 | 8.49 Mn |
| Mar 31, 2024 | 8.49 Mn |