Live Oak Bancshares Cash Flow Statement
NYSE: LOBFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Live Oak Bancshares free cash flow
In fiscal 2025, Live Oak Bancshares generated $158.2 million of operating cash flow and spent $14.8 million on capital expenditures. That left free cash flow of $143.5 million, a free-cash-flow margin of 1510.4% of revenue. Free cash flow was up 33.5% from the prior year's $107.5 million.
Live Oak Bancshares returned $5.5 million to shareholders through dividends, equal to 4% of free cash flow. Free cash flow covered dividend payments 26.1 times.
Summary generated from market data by MetaCap's automated system. Methodology
Live Oak Bancshares cash flow statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 105.64M | 77.42M | 73.90M | 176.21M | 167.00M | 59.54M | 18.03M | 51.45M | 100.50M | 13.76M |
| Net Income growth (YoY) | +36.46% | +4.76% | -58.06% | +5.52% | +180.46% | +230.17% | -64.95% | -48.81% | +630.16% | -33.19% |
| Depreciation & Amortization | 30.40M | 23.28M | 21.27M | 20.78M | 21.37M | 21.69M | 19.97M | 16.39M | 10.28M | 4.26M |
| Operating Cash Flow | 158.24M | 156.78M | 184.90M | -300.74M | -119.72M | -261.00M | -482.52M | 6.29M | -287.53M | -221.95M |
| Capital Expenditures | -14.76M | -49.31M | -46.84M | -43.75M | -3.08M | -20.99M | -37.20M | -111.32M | -124.14M | -10.89M |
| Investing Cash Flow | -1.90B | -1.70B | -1.34B | -1.02B | -149.80M | -2.62B | -684.57M | -845.36M | -535.02M | -320.07M |
| Dividends Paid | -5.49M | -5.41M | -5.33M | -5.27M | -5.19M | -4.91M | -4.83M | -4.81M | -3.78M | -2.74M |
| Debt Issued | 161.00K | 99.70M | 2.91B | 62.10M | 602.85M | 1.83B | — | 18.00K | 16.90M | 0 |
| Debt Repaid | -10.58M | -10.24M | -2.97B | -297.18M | -1.83B | -285.95M | -1.44M | -25.08M | -26.28M | -532.00K |
| Financing Cash Flow | 2.00B | 1.57B | 1.32B | 1.53B | 154.95M | 2.98B | 1.07B | 863.10M | 879.81M | 677.42M |
| Net Change in Cash | 256.10M | 26.26M | 165.90M | 212.89M | -114.57M | 96.92M | -97.91M | 24.04M | 57.26M | 135.40M |
| Free Cash Flow | 143.49M | 107.47M | 138.06M | -344.50M | -122.80M | -281.99M | -519.72M | -105.03M | -411.67M | -232.84M |
This table shows 10 annual periods of Live Oak Bancshares's cash flow statement, from FY 2025 back to FY 2016, across 12 line items including net income, depreciation & amortization, operating cash flow. Values in USD; B = billions, M = millions. Fiscal periods follow LOB's reporting calendar. What is a cash flow statement?