Live Oak Bancshares (LOB) Interest Coverage Ratio (2014 - 2026)
Live Oak Bancshares (LOB) posted quarterly Interest Coverage Ratio of 1.35 for Q1 2026, up 20.91% year-over-year from 1.12 in Q1 2025, and down 11.83% 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.
- In Q1 2026, Interest Coverage Ratio rose 20.91% year-over-year to 1.35; the TTM figure through Mar 2026 stood at 1.37 (up 10.59% YoY), while the FY2025 annual figure was 1.31, up 8.79% from the prior year.
- Interest Coverage Ratio for Q1 2026 stood at 1.35, down from 1.53 in the prior quarter.
- The five-year high for Interest Coverage Ratio was 7.33 in Q2 2022, with the low at 1.01 in Q4 2022.
- The 5-year median for Interest Coverage Ratio is 1.27 (2025), against an average of 1.81.
- The sharpest annual moves came in 2023 and 2025: Interest Coverage Ratio tumbled 83.33% in 2023, then surged 37.37% in 2025.
- Live Oak Bancshares' Interest Coverage Ratio stood at 1.01 in 2022, then increased by 16.42% to 1.18 in 2023, then slipped by 5.59% to 1.11 in 2024, then jumped by 37.37% to 1.53 in 2025, then slipped by 11.83% to 1.35 in 2026.
- Business Quant data shows LOB's Interest Coverage Ratio at 1.35 in Q1 2026, 1.53 in Q4 2025, and 1.32 in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 2.00 |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 1.84 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | 0.27 |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 1.49 |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 1.77 |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 1.90 |
| 10 | Live Oak Bancshares | 1.88 Bn | 1.88 Bn | - | 1.39 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 1.39 |
| 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 | 1.11 |
| Sep 30, 2024 | 1.16 |
| Jun 30, 2024 | 1.30 |
| Mar 31, 2024 | 1.18 |
| Dec 31, 2023 | 1.18 |
| Sep 30, 2023 | 1.47 |
| Jun 30, 2023 | 1.22 |
| Mar 31, 2023 | 1.05 |
| Dec 31, 2022 | 1.01 |
| Sep 30, 2022 | 2.39 |
| Jun 30, 2022 | 7.33 |
| Mar 31, 2022 | 3.81 |
| Dec 31, 2021 | 4.80 |
| Sep 30, 2021 | 3.87 |