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 24, 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	1,518	1,581	1,794	2,030	1,331	3,808
Market Cap Growth	15.98%	-11.86%	-11.63%	52.56%	-65.05%	88.98%
Enterprise Value	771.13	1,682	1,798	2,030	1,331	3,808
Last Close Price	32.84	34.35	39.55	45.50	30.20	87.29
PE Ratio	14.71	15.40	23.40	27.74	7.70	23.53
Forward PE	10.97	12.17	16.39	20.11	14.28	31.71
PS Ratio	3.19	3.28	4.57	5.10	2.54	8.62
PB Ratio	1.31	3.59	6.33	2.25	1.64	5.32
P/TBV Ratio	3.44	3.60	6.40	2.27	1.67	5.50
P/FCF Ratio	10.68	11.02	16.69	14.70	-3.86	-31.01
P/OCF Ratio	9.68	9.99	11.44	10.98	-4.42	-31.80
EV/Sales Ratio	1.60	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	5.37	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	6.71%	6.49%	4.27%	3.60%	12.98%	4.25%
FCF Yield	9.37%	9.07%	5.99%	6.80%	-25.89%	-3.23%
Dividend Yield	0.37%	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	0.58%	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