Live Oak Bancshares reported a net margin of 22.22% for the quarter ended Jun 2026. These financial ratios cover 50 quarters of results from Dec 2013 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Dec2013 | Jun2014 | Sep2014 | Dec2014 | Mar2015 | Jun2015 | Sep2015 | Dec2015 | Mar2016 | Jun2016 | Sep2016 | Dec2016 | Mar2017 | Jun2017 | Sep2017 | Dec2017 | Mar2018 | Jun2018 | Sep2018 | Dec2018 | Mar2019 | Jun2019 | Sep2019 | Dec2019 | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||||||||||||||||||||||||||||||||||||
| EBT Margin | 41.97% | 42.89% | 38.84% | 58.68% | 31.35% | 0.68% | 3.56% | 17.49% | 33.59% | 15.62% | 19.02% | 28.74% | 13.73% | 11.31% | 10.68% | 22.34% | 25.03% | 38.25% | 27.55% | 29.34% | ||||||||||||||||||||||||||||||
| EBIT Margin | 56.58% | 55.97% | 52.42% | 67.94% | 53.91% | 48.99% | 71.87% | 96.24% | 105.23% | 102.23% | 107.06% | 114.11% | 99.88% | 109.74% | 102.28% | 104.72% | 104.39% | 110.25% | 106.24% | 103.88% | ||||||||||||||||||||||||||||||
| EBITDA Margin | 56.58% | 55.97% | 52.42% | 67.94% | 53.91% | 48.99% | 71.87% | 96.24% | 105.23% | 102.23% | 107.06% | 114.11% | 99.88% | 109.74% | 102.28% | 104.72% | 104.39% | 110.25% | 106.24% | 103.88% | ||||||||||||||||||||||||||||||
| Net Margin | 32.85% | 27.06% | 31.24% | 46.55% | 30.27% | 1.71% | 0.39% | 16.18% | 31.26% | 14.44% | 23.74% | 21.49% | 10.02% | 8.47% | 7.91% | 16.77% | 17.50% | 27.26% | 19.21% | 22.22% | ||||||||||||||||||||||||||||||
| FCF Margin | -15.07% | 11.66% | 123.50% | -41.72% | 9.36% | -387.90% | 145.73% | 119.79% | 115.18% | -255.95% | 7.31% | 9.82% | 31.56% | 39.04% | -26.09% | 37.15% | 36.46% | 43.49% | 58.66% | 18.17% | ||||||||||||||||||||||||||||||
| Efficiency | ||||||||||||||||||||||||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 8.19B | 8.18B | 8.42B | 8.87B | 9.22B | 9.59B | 10.11B | 10.59B | 10.88B | 11.11B | 11.39B | 11.69B | 12.24B | 12.78B | 13.27B | 13.71B | 14.25B | 14.90B | 15.22B | 15.67B | ||||||||||||||||||||||||||||||
| Invested CapitalInvested Cap. | ||||||||||||||||||||||||||||||||||||||||||||||||||
| Asset Utilization RatioAsset Util. | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | ||||||||||||||||||||||||||||||
| Leverage & Solvency | ||||||||||||||||||||||||||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | 3.87 | 4.28 | 3.86 | 7.33 | 2.39 | 1.01 | 1.05 | 1.22 | 1.47 | 1.18 | 1.22 | 1.34 | 1.16 | 1.11 | 1.12 | 1.27 | 1.32 | 1.53 | 1.35 | 1.39 | ||||||||||||||||||||||||||||||
| Debt Ratio | ||||||||||||||||||||||||||||||||||||||||||||||||||
| Times Interest Earned | 3.87 | 4.28 | 3.86 | 7.33 | 2.39 | 1.01 | 1.05 | 1.22 | 1.47 | 1.18 | 1.22 | 1.34 | 1.16 | 1.11 | 1.12 | 1.27 | 1.32 | 1.53 | 1.35 | 1.39 | ||||||||||||||||||||||||||||||
| Dividends & Payouts | ||||||||||||||||||||||||||||||||||||||||||||||||||
| Dividend Coverage RatioDiv. Cover | 26.01 | 23.08 | 26.30 | 73.79 | 32.50 | 1.36 | 0.30 | 13.19 | 29.85 | 12.10 | 20.51 | 19.97 | 9.62 | 7.30 | 7.11 | 17.11 | 18.59 | 32.04 | 20.15 | 25.00 | ||||||||||||||||||||||||||||||
| FCF Payout RatioFCF Cover | -0.08 | 0.10 | 0.01 | -0.02 | 0.10 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.16 | 0.11 | 0.03 | 0.03 | -0.04 | 0.03 | 0.03 | 0.02 | 0.02 | 0.05 | ||||||||||||||||||||||||||||||
| Payout Ratio | 0.04 | 0.04 | 0.04 | 0.01 | 0.03 | 0.74 | 3.33 | 0.08 | 0.03 | 0.08 | 0.05 | 0.05 | 0.10 | 0.14 | 0.14 | 0.06 | 0.05 | 0.03 | 0.05 | 0.04 | ||||||||||||||||||||||||||||||
| Return Ratios | ||||||||||||||||||||||||||||||||||||||||||||||||||
| Return on Sales [ROS]ROS | 56.58% | 55.97% | 52.42% | 67.94% | 53.91% | 48.99% | 71.87% | 96.24% | 105.23% | 102.23% | 107.06% | 114.11% | 99.88% | 109.74% | 102.28% | 104.72% | 104.39% | 110.25% | 106.24% | 103.88% | ||||||||||||||||||||||||||||||
| Return on Capital Employed [ROCE]ROCE | 3.38% | |||||||||||||||||||||||||||||||||||||||||||||||||
| Return on Invested Capital [ROIC]ROIC | ||||||||||||||||||||||||||||||||||||||||||||||||||
| Return on Assets [ROA]ROA | 2.03% | 2.04% | 1.93% | 2.20% | 2.22% | 1.84% | 1.41% | 0.59% | 0.55% | 0.67% | 0.89% | 0.95% | 0.68% | 0.61% | 0.45% | 0.41% | 0.49% | 0.71% | 0.83% | 0.89% |