Live Oak Bancshares, Inc. (LOB) — Financial ratios
Profitability, liquidity, leverage, and valuation ratios for Live Oak Bancshares, Inc., with annual and quarterly history.
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Valuation | ||||||
| P/E Ratio | 15.19x | 22.98x | 27.31x | 7.52x | 22.57x | 32.42x |
| P/B Ratio | 1.26x | 1.78x | 2.24x | 1.63x | 5.27x | 3.40x |
| P/S Ratio | 1.51x | 1.92x | 2.60x | 2.60x | 7.44x | 5.10x |
| Profitability | ||||||
| Gross Margin | 48.3% | 42.7% | 49.2% | 69.0% | 84.3% | 64.5% |
| Operating Margin | 15.5% | 9.6% | 10.7% | 41.3% | 41.6% | 12.5% |
| Net Margin | 10.0% | 8.3% | 9.5% | 34.6% | 33.0% | 15.7% |
| EBITDA Margin | 17.8% | 12.1% | 13.4% | 45.4% | 45.8% | 18.3% |
| Liquidity | ||||||
| Current Ratio | 0.13x | 0.05x | 0.17x | 0.15x | 0.15x | 0.18x |
| Quick Ratio | 0.13x | 0.05x | 0.17x | 0.15x | 0.15x | 0.18x |
| Leverage | ||||||
| Debt/Equity | 0.08x | 0.11x | 0.03x | 0.10x | 0.45x | 2.72x |
YoY = year-over-year change. Source: FMP..