Live Oak Bancshares Ratios (2013-2026) | LOB

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Ratios	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025	Mar2026
Profitability
EBT Margin (Quarter)	53.80%	41.97%	42.89%	38.84%	58.68%	31.35%	0.68%	3.56%	17.49%	40.95%	15.62%	19.02%	28.74%	13.73%	11.31%	10.68%	21.71%	25.03%	38.25%	27.55%
EBIT Margin (Quarter)	65.48%	56.58%	55.97%	52.42%	67.94%	53.91%	48.99%	71.87%	96.24%	128.30%	102.23%	107.06%	114.11%	99.88%	109.74%	102.28%	101.75%	104.39%	110.25%	106.24%
EBITDA Margin (Quarter)	68.11%	60.18%	59.32%	55.88%	69.76%	56.57%	52.57%	75.62%	99.95%	131.82%	105.34%	109.71%	116.91%	102.55%	112.96%	105.33%	104.32%	106.66%	112.52%	108.77%
Net Margin (Quarter)	44.91%	32.85%	27.06%	31.24%	46.55%	30.27%	1.71%	0.39%	16.18%	38.11%	14.44%	23.74%	21.49%	10.02%	8.47%	7.91%	16.27%	17.50%	27.26%	19.21%
FCF Margin (Quarter)	-58.46%	-15.07%	11.66%	123.50%	-41.72%	9.36%	-387.90%	145.73%	119.79%	140.43%	-255.95%	7.31%	9.82%	66.18%	0.57%	-26.09%	31.03%	45.18%	40.12%	58.66%
Efficiency
Assets Average (Quarter)	8.33B	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
Equity Average (Quarter)	0.62B	0.67B	0.70B	0.71B	0.75B	0.80B	0.81B	0.82B	0.83B	0.84B	0.88B	0.92B	0.94B	0.98B	1.01B	1.02B	1.05B	1.13B	1.22B	1.27B
Invested Capital (Quarter)	1.67B	1.26B	1.03B	0.91B	0.88B	0.84B	0.89B	0.85B	0.86B	0.88B	0.93B	1.05B	1.08B	1.12B	1.12B	1.14B	1.17B	1.30B	1.35B	1.38B
Asset Utilization Ratio (Quarter)	0.05	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
Leverage & Solvency
Interest Coverage Ratio (Quarter)	5.61	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
Debt to Equity (Quarter)
Debt Ratio (Quarter)
Equity Ratio (Quarter)	0.08	0.08	0.09	0.08	0.09	0.09	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08
Times Interest Earned (Quarter)	5.61	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
Dividends & Payouts
FCF Payout Ratio (Quarter)	-0.02	-0.08	0.10	0.01	-0.02	0.10	0.00	0.01	0.01	0.01	0.01	0.16	0.11	0.02	-6.10		0.06	-0.03	0.07	0.02
Valuation
Enterprise Value (Quarter)	-0.44B	-0.35B	-0.21B	-0.51B	-0.64B	-0.00B	-0.00B	-0.00B	-0.00B	-0.00B	-0.00B	-0.00B	-0.00B	-0.00B	0.00B	0.00B	0.00B	0.00B	0.00B	0.00B
Return Ratios
Return on Sales (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Capital Employed (Quarter)			3.38%
Return on Invested Capital (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Assets (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

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Live Oak Bancshares Ratios (2013-2026) | LOB

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Live Oak Bancshares Ratios (2013-2026) | LOB

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