Live Oak Bancshares (LOB) Net Margin (2014 - 2026)
Live Oak Bancshares (LOB) posted quarterly Net Margin of 22.88% for Q1 2026, up 1346.0% year-over-year from 1.58% in Q1 2025, and down 33.07% quarter-over-quarter from 34.19% in Q4 2025.
Live Oak Bancshares (LOB) Net Margin (2014 - 2026) Analysis & Trends
Live Oak Bancshares' Net Margin history runs 13 years deep, the most recent figure standing at 22.88% for Q1 2026.
- In Q1 2026, Net Margin rose 1346.0% year-over-year to 22.88%; the TTM figure through Mar 2026 stood at 22.37% (up 903.0% YoY), while the FY2025 annual figure was 22.06%, up 209.0% from the prior year.
- Net Margin for Q1 2026 stood at 22.88%, down from 34.19% in the prior quarter.
- The five-year high for Net Margin was 117.17% in Q2 2022, with the low at 0.45% in Q1 2023.
- The 5-year median for Net Margin is 20.12% (2023), against an average of 26.49%.
- The sharpest annual moves came in 2022 and 2023: Net Margin jumped 3077 bps in 2022, then slumped 9705 bps in 2023.
- Live Oak Bancshares' Net Margin stood at 1.71% in 2022, then surged by 421 bps to 8.89% in 2023, then gained by 10 bps to 9.8% in 2024, then surged by 249 bps to 34.19% in 2025, then tumbled by 33 bps to 22.88% in 2026.
- Business Quant data shows LOB's Net Margin at 22.88% in Q1 2026, 34.19% in Q4 2025, and 17.5% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.99 Bn | 84.80 Bn | - | - |
| 2 | Pnc Financial Services | 98.12 Bn | 98.12 Bn | - | 28.41% |
| 3 | Us Bancorp | 96.36 Bn | 96.36 Bn | - | 27.30% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.88 Bn | -144.21 Bn | - | 38.78% |
| 6 | Deutsche Bank Aktiengesellschaft | 72.10 Bn | -81.21 Bn | - | 25.60% |
| 7 | Nu Holdings | 70.51 Bn | 56.83 Bn | 2.35 Bn | 25.60% |
| 8 | Truist Financial | 61.92 Bn | 61.92 Bn | - | 28.85% |
| 9 | Fifth Third Bancorp | 49.70 Bn | 25.98 Bn | - | 23.30% |
| 10 | Live Oak Bancshares | 1.89 Bn | 1.89 Bn | - | 22.22% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 22.22% |
| Mar 31, 2026 | 22.88% |
| Dec 31, 2025 | 34.19% |
| Sep 30, 2025 | 17.50% |
| Jun 30, 2025 | 16.27% |
| Mar 31, 2025 | 9.42% |
| Dec 31, 2024 | 9.80% |
| Sep 30, 2024 | 10.02% |
| Jun 30, 2024 | 23.89% |
| Mar 31, 2024 | 28.14% |
| Dec 31, 2023 | 8.89% |
| Sep 30, 2023 | 38.11% |
| Jun 30, 2023 | 20.12% |
| Mar 31, 2023 | 0.45% |
| Dec 31, 2022 | 1.71% |
| Sep 30, 2022 | 48.76% |
| Jun 30, 2022 | 117.17% |
| Mar 31, 2022 | 42.97% |
| Dec 31, 2021 | 26.59% |
| Sep 30, 2021 | 42.48% |