Live Oak Bancshares, Inc.
New York Stock ExchangeTotal Valuation
Live Oak Bancshares, Inc. carries a market capitalization of 1.71B, placing it among publicly traded companies globally. Its enterprise value stands at 31.79M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 1.71B |
| Enterprise Value | 31.79M |
Share Statistics
Live Oak Bancshares, Inc. currently has 46.24M shares outstanding.
| Shares Outstanding | 46.24M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Live Oak Bancshares, Inc. trades at a trailing price-to-earnings ratio of 12.32. The price-to-sales ratio is 2.72, and the price-to-book ratio stands at 1.23.
| PE Ratio | 12.32 |
| PS Ratio | 2.72 |
| PB Ratio | 1.23 |
| P/TBV Ratio | 1.28 |
| P/FCF Ratio | 5.27 |
| P/OCF Ratio | 5.51 |
Enterprise Valuation
On an enterprise value basis, Live Oak Bancshares, Inc. trades at an EV/EBITDA multiple of 1.05 and an EV/FCF ratio of 0.11.
| EV / Sales | 0.06 |
| EV / EBITDA | 1.05 |
| EV / EBIT | N/A |
| EV / FCF | 0.11 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 7.78 |
| Debt / EBITDA | 3.29 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 10.60 |
| Return on Assets (ROA) | 0.87 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Live Oak Bancshares, Inc. has paid 43.84M in income taxes, reflecting an effective tax rate of 25.83.
| Income Tax | 43.84M |
| Effective Tax Rate | 25.83 |
Stock Price Statistics
Live Oak Bancshares, Inc.'s stock has gained approximately 34.71465% over the past 52 weeks. The 50-day moving average sits at 36.20, while the 200-day moving average is 35.73.
| Beta (5Y) | N/A |
| 52-Week Price Change | 34.71465% |
| 50-Day Moving Average | 36.20 |
| 200-Day Moving Average | 35.73 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Live Oak Bancshares, Inc. generated 557.83M in revenue and converted that into 126.19M in net income, yielding earnings per share of 2.73.
| Revenue | 557.83M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 169.76M |
| Net Income | 126.19M |
| EBITDA | 30.36M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 2.73 |
Balance Sheet
Live Oak Bancshares, Inc. holds 1.69B in cash and equivalents against 99.75M in total debt, resulting in a net debt position of -716.64M.
| Cash & Cash Equivalents | 1.69B |
| Total Debt | 99.75M |
| Net Debt | -716.64M |
| Equity (Book Value) | 1.23B |
| Book Value Per Share | 26.79 |
| Working Capital | N/A |
Cash Flow
Live Oak Bancshares, Inc. produced 275.39M in operating cash flow over the past twelve months. After subtracting -14.51M in capital expenditures, free cash flow totaled 260.88M - equivalent to 5.69 per share.
| Operating Cash Flow | 275.39M |
| Capital Expenditures | -14.51M |
| Free Cash Flow | 260.88M |
| FCF Per Share | 5.69 |
Margins
Live Oak Bancshares, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 30.43 |
| Profit Margin | 22.62 |
| EBITDA Margin | 5.44 |
Dividends & Yields
The company's payout ratio of 6.20 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.23 |
| Dividend Yield | N/A |
| Payout Ratio | 6.20 |
| Shareholder Yield | -99.52 |
| FCF Yield | 18.97 |
Scores
Live Oak Bancshares, Inc. posts an Altman Z-Score of 0.18, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.18 |