Live Oak Bancshares Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $577.8M+18.3% YoYTTM through 30 Jun 2026
Net Income $139.6M+80.1% YoYTTM through 30 Jun 2026
Free Cash Flow $237.4MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 21.8% |
| Net Margin | 17.8% |
Returns
8.2%ROE
0.7%ROA
28.8%ROIC
Balance Sheet Health
Debt / Equity0.08x
Net Debt-$765.2Mnet cash position
Cash & Equivalents$927.6M
Quality Metrics
Piotroski F-Score4 / 9
FCF Margin41.1%
Rule of 4051.8
Earnings-Beat Rate50.0%
Multi-Year Trend
Diluted EPS$2.86TTMFY2025: $2.23
Dividend
$0.06Per share, FY20260.31%Yield-12.9%5-yr growth
Capital Allocation
Capex Intensity2.8%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Banking | View detailsManagement targets low-to-mid teens loan growth year-over-year in a stable rate environment. |
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