Markets › United States › NYSE › LOB

Live Oak Bancshares Inc

NYSE:LOBFinancial ServicesCBOEFTSE:MRUTrussell2000

$35.36+2.64%At closeAt close · Wed 21 Oct · ≈ AED 129.86 · Market cap $1.64B · Next earnings Wed 21 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	64.5%	84.3%	69.0%	49.2%	42.7%	48.3%	—	—
Operating margin	12.5%	41.6%	41.3%	10.7%	9.6%	15.5%	15.5%	+0.0 pts
Net margin	15.7%	33.0%	34.6%	9.5%	8.3%	10.0%	10.1%	+0.2 pts
EBITDA margin	18.3%	45.8%	45.4%	13.4%	12.1%	17.8%	—	—
Return on equity	10.5%	23.4%	21.7%	8.2%	7.8%	8.3%	8.4%	+0.1 pts
Return on assets	0.8%	2.0%	1.8%	0.7%	0.6%	0.7%	0.7%	+0.0 pts
Return on capital employed	2.2%	19.3%	22.8%	8.3%	7.5%	11.1%	—	—
Debt / equity	2.7×	0.4×	0.1×	0.0×	0.1×	0.1×	0.1×	−0.3%
Debt / assets	19.6%	3.9%	0.8%	0.2%	0.9%	0.7%	—	—
Interest coverage	0.5×	3.3×	1.8×	0.2×	0.2×	0.3×	—	—
Current ratio	0.2×	0.2×	0.1×	0.2×	0.1×	0.1×	0.1×	+0.0%
Quick ratio	0.2×	0.2×	0.1×	0.2×	0.1×	0.1×	—	—
Cash ratio	0.1×	0.0×	0.0×	0.1×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.0×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Dividend payout	8.2%	3.1%	3.0%	7.2%	7.0%	8.2%	—	—