Live Oak Bancshares Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 3, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Cap	1,685	1,581	1,794	2,030	1,331	3,808
Market Cap Growth	6.76%	-11.86%	-11.63%	52.56%	-65.05%	88.98%
Enterprise Value	924.12	1,682	1,798	2,030	1,331	3,808
Last Close Price	36.45	34.35	39.55	45.50	30.20	87.29
PE Ratio	16.35	15.40	23.40	27.74	7.70	23.53
Forward PE	12.50	12.17	16.39	20.11	14.28	31.71
PS Ratio	3.50	3.28	4.57	5.10	2.54	8.62
PB Ratio	1.45	3.59	6.33	2.25	1.64	5.32
P/TBV Ratio	3.81	3.60	6.40	2.27	1.67	5.50
P/FCF Ratio	-	11.02	16.69	14.70	-3.86	-31.01
P/OCF Ratio	10.65	9.99	11.44	10.98	-4.42	-31.80
EV/Sales Ratio	1.92	3.49	4.58	5.10	2.54	8.62
EV/EBITDA Ratio	-	55.32	77.25	95.44	64.04	178.20
EV/FCF Ratio	-	11.72	16.73	14.70	-3.86	-31.01
Asset Turnover	0.03	0.03	0.03	0.04	0.06	0.05
Return on Equity (ROE)	9.36%	9.36%	8.12%	8.62%	23.09%	26.03%
Earnings Yield	6.10%	6.49%	4.27%	3.60%	12.98%	4.25%
FCF Yield	-	9.07%	5.99%	6.80%	-25.89%	-3.23%
Dividend Yield	0.33%	0.35%	0.30%	0.26%	0.40%	0.14%
Payout Ratio	5.38%	2.63%	3.49%	3.60%	2.99%	3.11%
Buyback Yield / Dilution	0.22%	0.22%	0.29%	0.20%	0.13%	0.40%
Total Shareholder Return	0.55%	0.57%	0.59%	0.47%	0.53%	0.54%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q