NYSE
LOB
Last Price
US $41.54
KEY FIGURES
MKT CAP
$1.9B
EPS
TTM
$2.70
PEG
TTM
0.16x
P/E
TTM
15.37x
P/S
TTM
1.79x
YIELD
0.29%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Live Oak Bancshares, Inc. cash flow to debt ratio of 154.53% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial risk - Healthy cash flow growth.
Live Oak Bancshares, Inc.'s free cash flow has decreased -70.55% from $487.16M last year to $143.49M, signaling decreasing performance
Financial stability - Healthy debt to equity ratio.
Live Oak Bancshares, Inc.'s debt to equity ratio is 0.08, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Live Oak Bancshares, Inc.'s debt has decreased relative to shareholder equity from 0.11 last year to 0.08 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Live Oak Bancshares, Inc. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Live Oak Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Live Oak Bancshares, Inc.'s profit margin has increased (39.79%) in the last year from 8.34% to 11.65%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Live Oak Bancshares, Inc.'s short-term liabilities of $13.69G exceed its short-term assets of $1.73G, signaling financial risk
Decreasing performance - ROA.
Live Oak Bancshares, Inc.'s return on assets of 0.81% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Live Oak Bancshares, Inc.'s return on equity of 10.37%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Live Oak Bancshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Live Oak Bancshares, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Live Oak Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Live Oak Bancshares, Inc. has a free cash flow yield of 7.47%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Live Oak Bancshares, Inc.'s yearly earnings has increased 33.95% since last year from $77.47M to $103.78M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Live Oak Bancshares, Inc.'s yearly revenue has increased 12.05% since last year from $929.29M to $1.04G, signaling increasing performance
Increasing performance - ROIC.
ROIC 8.46% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
Live Oak Bancshares, Inc.'s 3-year revenue CAGR of 26.96% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Live Oak Bancshares, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Live Oak Bancshares, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Live Oak Bancshares, Inc. has insufficient data to evaluate this check.
Undervalued - Earnings yield.
Live Oak Bancshares, Inc. has an earnings yield of 6.51%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Undervalued - EBITDA valuation.
Live Oak Bancshares, Inc. is undervalued relative to its fair value price of 44.49 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Live Oak Bancshares, Inc. has an EV/EBITDA ratio of 6.26x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Live Oak Bancshares, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Live Oak Bancshares, Inc. has a price-to-book ratio of 1.49x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Live Oak Bancshares, Inc. has a price-to-sales ratio of 1.79x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
10.37%
Return on equity
ROIC: 8.46%
Valuation History
15.8X
Price to Earnings
EV/EBITDA: 5.7X
Cash flow
Profit margin
22.45%
(FY vs FY)
EBITDA Y/Y
21.79%
(FY vs FY)
Cash flow Y/Y
-
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $41.54
—
Default assumptions
EBITDA Multiple
Fair Value
Market $41.54
7.10%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.