Live Oak Bancshares (LOB) Return on Sales [ROS] (2014 - 2026)
Live Oak Bancshares' Return on Sales [ROS] came in at 103.88% for Q2 2026, down 0.84 percentage points from 104.72% a year earlier and down 2.36 percentage points from the prior quarter.
Live Oak Bancshares (LOB) Return on Sales [ROS] (2014 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, Live Oak Bancshares reported Return on Sales [ROS] of 106.25%, up 2.21 percentage points year-over-year; for FY2025, it came in at 104.35%, down 3.26 percentage points from FY2024.
- Return on Sales [ROS] carries a five-year change of +54.09 percentage points (FY2020 to FY2025).
- Going back by year, Return on Sales [ROS] was 107.60% in FY2024 (+12.83 pp), 94.77% in FY2023 (+36.89 pp), 57.88% in FY2022 (-2.35 pp) and 60.22% in FY2021 (+9.97 pp).
- The Q2 2026 figure represents the lowest quarterly Return on Sales [ROS] since Q1 2025.
- Year-over-year, Return on Sales [ROS] increased in four of the last eight quarters, with an average year-over-year change of -0.49 percentage points.
- The fastest year-over-year change in Return on Sales [ROS] over five years came in Q4 2023 (a gain of 53.24 percentage points), and the weakest in Q3 2021 (a drop of 13.74 percentage points).
- Business Quant data shows LOB's Return on Sales [ROS] at 106.24% (Q1 2026), 110.25% (Q4 2025) and 104.39% (Q3 2025) in the three quarters before Q2 2026.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROS (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 883.45 Bn | 912.92 Bn | - | 91.77% |
| 2 | Banco Santander Chile | 401.52 Bn | 521.46 Bn | - | - |
| 3 | Bank Of America | 377.43 Bn | -1,998.64 Bn | - | 93.16% |
| 4 | Hsbc Holdings | 330.31 Bn | 330.37 Bn | - | - |
| 5 | Morgan Stanley | 299.17 Bn | -209.92 Bn | - | 95.89% |
| 6 | Royal Bank Of Canada | 274.08 Bn | 124.82 Bn | - | 138.04% |
| 7 | Mitsubishi Ufj Financial | 270.70 Bn | -1,317.79 Bn | 10.89 Bn | - |
| 8 | Goldman Sachs | 263.13 Bn | -3,293.98 Bn | - | 131.07% |
| 9 | Wells Fargo & Company | 243.64 Bn | 245.78 Bn | - | 84.05% |
| 10 | Live Oak Bancshares | 1.70 Bn | 1.70 Bn | - | 103.88% |
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 103.88% |
| Mar 31, 2026 | 106.24% |
| Dec 31, 2025 | 110.25% |
| Sep 30, 2025 | 104.39% |
| Jun 30, 2025 | 104.72% |
| Mar 31, 2025 | 102.28% |
| Dec 31, 2024 | 109.74% |
| Sep 30, 2024 | 99.88% |
| Jun 30, 2024 | 114.11% |
| Mar 31, 2024 | 107.06% |
| Dec 31, 2023 | 102.23% |
| Sep 30, 2023 | 105.23% |
| Jun 30, 2023 | 96.24% |
| Mar 31, 2023 | 71.87% |
| Dec 31, 2022 | 48.99% |
| Sep 30, 2022 | 53.91% |
| Jun 30, 2022 | 67.94% |
| Mar 31, 2022 | 52.42% |
| Dec 31, 2021 | 55.97% |
| Sep 30, 2021 | 56.58% |
Live Oak Bancshares Return on Sales [ROS] 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-sales-%5Bros%5D&ticker=LOB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-sales-[ros]", "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-sales-%5Bros%5D&ticker=LOB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();