Live Oak Bancshares, Inc. Financial Ratios — LOB/PA Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	32.65	68.91	15.3	14.16	6.52	30.46	11.06	3.52	10.82	26.03	23.09	8.62	8.15	9.55
Return on Assets (%)	- -	5.29	7.26	1.82	2.39	0.98	4.45	1.6	0.43	0.94	2.08	1.95	0.7	0.64	0.75
Return on Capital (%)	- -	43.37	53.84	10.02	11.23	5.76	- -	- -	3.51	- -	10.63	18.28	8.12	7.59	8.58
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	37.53	29.29	49.85	23.15	33.04	13.22	55.26	23.17	11.64	16.65	47.69	53.67	19.45	18.53	26.39
Profit Margin (%)	37.53	31.85	50.06	13.34	19.81	10.58	56.52	25.89	8.94	20.92	37.78	44.97	17.35	16.08	19.56
Net Income to Common Margin (%)	37.53	19.59	50.06	14.24	19.81	10.58	56.52	25.89	8.94	20.92	37.78	44.97	17.35	16.08	19
Effective Tax Rate (%)	- -	- -	- -	42.37	40.11	20.01	- -	- -	23.15	- -	20.78	16.22	10.78	13.24	26.03
Dvd Payout Ratio (%)	48.94	82.11	42.85	415.22	13.28	19.9	3.76	9.35	26.77	8.24	3.11	2.99	7.21	6.99	5.36
Sustainable Growth Rate (%)	- -	5.84	39.38	-48.22	12.28	5.22	29.32	10.02	2.57	9.93	25.22	22.4	8	7.58	9.04

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	9	12	12	48	28	28	27	3	- -	1,542	318	83	23	113	102
ST Debt	- -	- -	- -	35	24	24	23	1	- -	14	8	50	- -	- -	- -
LT Debt	9	12	12	13	4	4	4	1	- -	1,528	310	33	23	113	102
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.36	9.65	11.24	13.64	18.95	12.7	15.84	13.45	11.06	7.21	8.71	8.23	8.01	7.72	7.62
Long-Term Debt/Equity (%)	31.39	38.43	25.47	13.86	2.19	1.79	0.82	0.3	- -	269.02	43.39	4.09	2.59	11.24	8.17
Long-Term Debt/Capital (%)	23.89	27.76	20.3	9.1	1.92	1.59	0.77	0.29	- -	72.4	30.03	3.71	2.52	10.11	7.55
Long-Term Debt/Total Assets (%)	3.25	3.56	2.86	1.89	0.42	0.23	0.13	0.04	- -	19.4	3.78	0.34	0.21	0.87	0.68
Total Debt/Equity (%)	31.39	38.43	25.47	52.22	14.22	12.49	6.08	0.59	- -	271.57	44.51	10.26	2.59	11.24	8.17
Total Debt/Capital (%)	23.89	27.76	20.3	34.31	12.45	11.11	5.73	0.58	- -	73.09	30.8	9.3	2.52	10.11	7.55
Total Debt/Total Assets (%)	3.25	3.56	2.86	7.12	2.7	1.59	0.96	0.08	- -	19.59	3.88	0.84	0.21	0.87	0.68
Net Debt to Equity	-68.44	-100.65	-51.5	8.76	-42.35	-97.56	-62.19	-65.08	-24.77	218.09	17.67	-24.79	-61.98	-49.45	-60.82
Net Debt/Capital (%)	-216.83	15,369.23	-106.17	8.06	-73.46	-4,002.49	-164.45	-186.32	-32.92	68.56	15.01	-32.96	-162.99	-97.82	-155.23
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.36	9.65	11.24	13.64	18.95	12.7	15.84	13.45	11.06	7.21	8.71	8.23	8.01	7.72	7.62
Long-Term Debt/Equity (%)	31.39	38.43	25.47	13.86	2.19	1.79	0.82	0.3	- -	269.02	43.39	4.09	2.59	11.24	8.17
Long-Term Debt/Capital (%)	23.89	27.76	20.3	9.1	1.92	1.59	0.77	0.29	- -	72.4	30.03	3.71	2.52	10.11	7.55
Long-Term Debt/Total Assets (%)	3.25	3.56	2.86	1.89	0.42	0.23	0.13	0.04	- -	19.4	3.78	0.34	0.21	0.87	0.68
Total Debt/Equity (%)	31.39	38.43	25.47	52.22	14.22	12.49	6.08	0.59	- -	271.57	44.51	10.26	2.59	11.24	8.17
Total Debt/Capital (%)	23.89	27.76	20.3	34.31	12.45	11.11	5.73	0.58	- -	73.09	30.8	9.3	2.52	10.11	7.55
Total Debt/Total Assets (%)	3.25	3.56	2.86	7.12	2.7	1.59	0.96	0.08	- -	19.59	3.88	0.84	0.21	0.87	0.68
CFO/Total Liabilities	-4.58	-9.09	-11.57	-44.97	-39.23	-14.48	-12.39	0.2	-11.27	-3.57	-1.6	-3.33	1.78	1.31	1.14
CFO/CapEx	-2.1	-1.99	-5.72	-18.23	-10.99	-20.38	-2.32	0.06	-12.97	-12.43	-38.84	-6.87	3.95	3.18	10.72
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	28	44	37	40	113	245	298	324	132	304	192	284	583	609	865
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	96
+ Minority/Non Controlling Interest	- -	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4	4
+ Total Debt	9	12	12	48	28	28	27	3	- -	1,542	318	83	23	113	102
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	36	44	61	140	228	251	463	496	532	2,110	1,033	894	926	1,116	1,357
Total Debt/Capital (%)	23.89	27.76	20.3	34.31	12.45	11.11	5.73	0.58	- -	73.09	30.8	9.3	2.52	10.11	7.55
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	38	51	56	75	104	130	178	199	202	285	442	392	426	482	541
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-11	-28	-44	-262	-335	-222	- -	- -	-483	- -	-120	-301	185	157	158
TTM Free Cash Flow to Firm	-16	-42	-52	-276	-365	-233	- -	- -	-520	- -	-123	-344	138	107	143

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	23
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.55
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.45
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Per Share Data Items (USD)

Per-Share Data API ChatGPT

No data availableFinancial data will appear here once available