Live Oak Bancshares (LOB) Return on Invested Capital [ROIC] (2015 - 2026)
Live Oak Bancshares (LOB) recorded Return on Invested Capital [ROIC] of 34.96% in Q2 2026, up 1.02 percentage points from 33.94% a year earlier and up 0.73 percentage points from the prior quarter.
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Analysis
Live Oak Bancshares (LOB) Return on Invested Capital [ROIC] (2015 - 2026) Analysis & Trends
For FY2025, Live Oak Bancshares reported Return on Invested Capital [ROIC] of 36.07%, down 8.59 percentage points from FY2024.
- Annual Return on Invested Capital [ROIC] has a five-year change of +25.39 percentage points (FY2020 to FY2025).
- Across earlier years, Return on Invested Capital [ROIC] came in at 44.66% in FY2024 (+2.92 pp), 41.74% in FY2023 (+13.29 pp), 28.45% in FY2022 (+14.58 pp) and 13.87% in FY2021 (+3.19 pp).
- The Q2 2026 figure is the highest quarterly Return on Invested Capital [ROIC] since Q4 2024.
- On a year-over-year basis, Return on Invested Capital [ROIC] rose in two of the last eight quarters, with an average year-over-year change of -4.73 percentage points.
- Peak year-over-year performance for Return on Invested Capital [ROIC] in the last five years was a gain of 15.68 percentage points in Q1 2024, against a drop of 13.63 percentage points in Q1 2025 at the low end.
- Per Business Quant, the preceding three quarters came in at 34.23% (Q1 2026), 33.48% (Q4 2025) and 32.82% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROIC (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | 3.60% |
| 2 | Banco Santander Chile | 407.42 Bn | -7,109.68 Bn | - | - |
| 3 | Bank Of America | 353.20 Bn | -2,022.91 Bn | - | 12.95% |
| 4 | Hsbc Holdings | 307.88 Bn | -2,967.28 Bn | - | - |
| 5 | Morgan Stanley | 298.41 Bn | -244.41 Bn | - | 11.83% |
| 6 | Royal Bank Of Canada | 283.46 Bn | -546.54 Bn | - | 49.27% |
| 7 | Goldman Sachs | 264.45 Bn | -3,478.99 Bn | - | 6.60% |
| 8 | Mitsubishi Ufj Financial | 259.19 Bn | -159.36 Bn | 5.24 Bn | 7.33% |
| 9 | Wells Fargo & Company | 258.28 Bn | 93.72 Bn | - | 3.32% |
| 10 | Live Oak Bancshares | 1.63 Bn | 1.51 Bn | - | 35.28% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 35.28% |
| Jun 30, 2026 | 34.96% |
| Mar 31, 2026 | 34.23% |
| Dec 31, 2025 | 33.48% |
| Sep 30, 2025 | 32.82% |
| Jun 30, 2025 | 33.94% |
| Mar 31, 2025 | 34.60% |
| Dec 31, 2024 | 40.73% |
| Sep 30, 2024 | 41.64% |
| Jun 30, 2024 | 45.29% |
| Mar 31, 2024 | 48.24% |
| Dec 31, 2023 | 42.16% |
| Sep 30, 2023 | 37.64% |
| Jun 30, 2023 | 32.92% |
| Mar 31, 2023 | 32.55% |
| Dec 31, 2022 | 31.66% |
| Sep 30, 2022 | 31.34% |
| Jun 30, 2022 | 27.33% |
| Mar 31, 2022 | 21.53% |
| Dec 31, 2021 | 18.98% |
API Access
Live Oak Bancshares Return on Invested Capital [ROIC] API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=return-on-invested-capital-%5Broic%5D&ticker=LOB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-invested-capital-[roic]", "ticker": "LOB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=return-on-invested-capital-%5Broic%5D&ticker=LOB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();