LOB NYSE
Live Oak Bancshares, Inc.
1W: -1.9%
1M: -5.6%
3M: -18.8%
YTD: -0.0%
1Y: +1.6%
3Y: +29.3%
5Y: -50.7%
$34.74
+0.06 (+0.17%)
Weekly Expected Move ±4.0%
$32
$34
$35
$37
$38
Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾
Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
Overview
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Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
Dividends
Analysis
Technicals
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Peers
ESG
Institutions
ETF Exposure
Dark Pool
Short Interest
Supply Chain
Income Trends
Revenue
$1.0B
+12.0% ▲
5Y CAGR: +22.4%
Gross Profit
$503M
+26.8% ▲
5Y CAGR: +15.6%
Operating Income
$161M
+80.4% ▲
5Y CAGR: +27.7%
Net Income
$104M
+34.0% ▲
5Y CAGR: +11.8%
EPS (Diluted)
$2.22
+31.4% ▲
5Y CAGR: +9.2%
EBITDA
$185M
+64.5% ▲
5Y CAGR: +21.8%
Profit Margins
Year-over-Year Growth
View Full Income Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $506M | $509M | $777M | $929M | $1.0B |
| YoY Growth | +33.9% | +0.5% | +52.6% | +19.7% | +12.0% |
| Cost of Revenue | $80M | $158M | $394M | $533M | $538M |
| Gross Profit | $427M | $351M | $382M | $397M | $503M |
| Gross Margin | 84.3% | 69.0% | 49.2% | 42.7% | 48.3% |
| R&D Expenses | $0 | $0 | $0 | $0 | $0 |
| SG&A Expenses | $137M | $191M | $204M | $205M | $254M |
| Operating Expenses | $216M | $141M | $299M | $307M | $342M |
| Operating Income | $211M | $210M | $83M | $89M | $161M |
| Operating Margin | 41.6% | 41.3% | 10.7% | 9.6% | 15.5% |
| Interest Expense | $64M | $117M | $343M | $436M | $460M |
| Income Before Tax | $211M | $210M | $83M | $89M | $161M |
| Tax Expense | $44M | $34M | $9M | $12M | $57M |
| Net Income | $167M | $176M | $74M | $77M | $104M |
| Net Margin | 33.0% | 34.6% | 9.5% | 8.3% | 10.0% |
| EPS (Diluted) | $3.71 | $3.92 | $1.64 | $1.69 | $2.22 |
| EBITDA | $232M | $231M | $104M | $113M | $185M |
| Shares Outstanding | 45M | 45M | 45M | 46M | 46M |