Live Oak Bancshares (LOB) Net Margin (2014 - 2026)

Live Oak Bancshares' Net Margin history runs 13 years deep, the most recent figure standing at 19.21% for Q1 2026.

• In Q1 2026, Net Margin rose 1130.0% year-over-year to 19.21%; the TTM figure through Mar 2026 stood at 20.26% (up 823.0% YoY), while the FY2025 annual figure was 17.8%, up 194.0% from the prior year.
• Net Margin was 19.21% for Q1 2026 at Live Oak Bancshares, down from 27.26% in the prior quarter.
• In the past five years, Net Margin ranged from a high of 46.55% in Q2 2022 to a low of 0.39% in Q1 2023.
• Historically, Net Margin has averaged 19.46% across 5 years, with a median of 17.5% in 2025.
• The sharpest annual moves came in 2023 and 2024: Net Margin tumbled 3085 bps in 2023, then soared 2335 bps in 2024.
• A 5-year view of Net Margin shows it stood at 1.71% in 2022, then soared by 746 bps to 14.44% in 2023, then sank by 41 bps to 8.47% in 2024, then jumped by 222 bps to 27.26% in 2025, then slipped by 30 bps to 19.21% in 2026.
• The last three Net Margin figures came in at 19.21% (Q1 2026), 27.26% (Q4 2025), and 17.5% (Q3 2025), per Business Quant data.