Live Oak Bancshares Financial Ratios
NYSE: LOBFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Live Oak Bancshares ratio analysis
Live Oak Bancshares earned a net margin of 1114.4% in FY 2025, up from 824.2% a year earlier. Return on equity reached 8.5%, meaning Live Oak Bancshares generated 0.08 dollars of profit for every dollar of shareholders' equity. At the end of FY 2025, LOB traded at 15.6 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 7.7 to 47.4, with a median of 23.2.
Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Live Oak Bancshares financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 15.57 | 22.96 | 27.74 | 7.70 | 23.53 | 33.19 | 42.73 | 12.68 | 9.00 | 47.44 |
| Price / sales | 166.98 | 185.83 | 212.43 | 139.44 | 396.66 | 183.72 | 78.32 | 79.05 | 470.23 | 4.65 |
| Price / book | 1.27 | 1.75 | 2.24 | 1.63 | 5.27 | 3.40 | 1.42 | 1.28 | 2.00 | 2.84 |
| Net margin | 1,114.4% | 824.2% | 777.9% | 1,854.8% | 1,757.8% | 566.6% | 186.8% | 645.8% | 5,414.8% | 10.1% |
| Free cash flow margin | 1,510.4% | 1,143.3% | 1,453.2% | -3,626.3% | -1,292.6% | -2,683.5% | -5,382.9% | -1,318.5% | -22,180.4% | -171.0% |
| Return on equity (ROE) | 8.5% | 7.8% | 8.2% | 21.7% | 23.4% | 10.5% | 3.4% | 10.4% | 23.0% | 6.2% |
| Return on assets (ROA) | 0.7% | 0.6% | 0.7% | 1.8% | 2.0% | 0.8% | 0.4% | 1.4% | 3.6% | 0.8% |
| Debt / equity | — | — | — | — | — | — | — | 0.00 | 0.06 | 0.12 |
| Revenue growth | 1.1% | -1.1% | 0.0% | 0.0% | -9.6% | 8.8% | 21.2% | 329.2% | -98.6% | 23.9% |
| EPS growth | 32.0% | 3.0% | -58.2% | 5.7% | 159.4% | 225.0% | -64.5% | -53.2% | 579.5% | -40.0% |