Live Oak Bancshares (LOB) Interest Coverage Ratio (2014 - 2026)
Live Oak Bancshares' (LOB) quarterly Interest Coverage Ratio came in at 1.35 in Q1 2026, up 20.91% year-on-year from 1.12 in Q1 2025, and down 11.63% quarter-over-quarter from 1.53 in Q4 2025.
Live Oak Bancshares (LOB) Interest Coverage Ratio (2014 - 2026) Analysis & Trends
Live Oak Bancshares' Interest Coverage Ratio history runs 13 years deep, the most recent figure standing at 1.35 for Q1 2026.
- On a quarterly basis, Interest Coverage Ratio rose 20.91% year-over-year to 1.35 in Q1 2026; TTM through Mar 2026 was 1.37, a 510.21% increase from a year earlier, with the FY2025 full-year figure at 1.31, up 8.79% from the prior year.
- Interest Coverage Ratio fell to 1.35 in Q1 2026 per LOB's latest filing, from 1.53 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 7.33 in Q2 2022 and bottomed at 0.93 in Q4 2023.
- The 5-year median for Interest Coverage Ratio is 1.27 (2025), against an average of 1.79.
- Across the five-year window, Interest Coverage Ratio plunged 83.33% in 2023 and soared 59.49% in 2025, its largest moves.
- Year by year, Interest Coverage Ratio stood at 0.99 in 2022, then fell by 6.19% to 0.93 in 2023, then advanced by 3.34% to 0.96 in 2024, then jumped by 59.49% to 1.53 in 2025, then retreated by 11.63% to 1.35 in 2026.
- Per Business Quant, the three latest LOB Interest Coverage Ratio figures stand at 1.35 (Q1 2026), 1.53 (Q4 2025), and 1.32 (Q3 2025).
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | KB Financial | 42,090.38 Bn | 42,090.38 Bn | -786,828.77 | -3.02 |
| 2 | Shinhan Financial | 33,919.15 Bn | 33,919.15 Bn | - | -0.53 |
| 3 | Bank Of Chile | 4,123.52 Bn | 4,123.52 Bn | 167,623.00 | -1.52 |
| 4 | Lloyds Banking | 360.83 Bn | 360.83 Bn | - | - |
| 5 | First Capital | 204.17 Bn | 203.82 Bn | - | 1.27 |
| 6 | Landmark Bancorp | 187.97 Bn | 187.94 Bn | - | 2.19 |
| 7 | NatWest | 144.82 Bn | -51.17 Bn | - | - |
| 8 | Pnc Financial Services | 101.80 Bn | 101.80 Bn | - | 1.86 |
| 9 | Us Bancorp | 99.51 Bn | 99.51 Bn | - | 1.49 |
| 10 | Live Oak Bancshares | 1.95 Bn | 1.95 Bn | - | 1.35 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 1.35 |
| Dec 31, 2025 | 1.53 |
| Sep 30, 2025 | 1.32 |
| Jun 30, 2025 | 1.27 |
| Mar 31, 2025 | 1.12 |
| Dec 31, 2024 | 0.96 |
| Sep 30, 2024 | 1.16 |
| Jun 30, 2024 | 1.30 |
| Mar 31, 2024 | 1.18 |
| Dec 31, 2023 | 0.93 |
| Sep 30, 2023 | 1.47 |
| Jun 30, 2023 | 1.22 |
| Mar 31, 2023 | 1.05 |
| Dec 31, 2022 | 0.99 |
| Sep 30, 2022 | 2.39 |
| Jun 30, 2022 | 7.33 |
| Mar 31, 2022 | 3.81 |
| Dec 31, 2021 | 4.28 |
| Sep 30, 2021 | 3.87 |
| Jun 30, 2021 | 5.61 |