Live Oak Bancshares, Inc. Detailed Financials

Full historical quarterly statements

Metric	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Total Revenue	259.9M	289.4M	258.4M	257.1M	236.3M	239.9M	238.3M	230.5M
Cost of Goods Sold	134.6M	120.2M	138.2M	138.3M	141.5M	148.7M	146.4M	118.9M
Gross Profit	125.4M	169.2M	120.2M	118.8M	94.8M	91.2M	91.8M	111.7M
R&D Expenses	0	0	0	0	0	0	0	0
Operating Expenses	85.3M	89.2M	83.6M	87.5M	81.7M	78.0M	74.0M	75.6M
Operating Income	40.1M	80.1M	36.6M	31.2M	13.1M	13.2M	17.8M	36.1M
Other Income / Gains	0	0	0	0	0	0	0	0
Net Income	30.0M	44.1M	26.5M	23.4M	9.7M	9.9M	13.0M	27.0M
EPS (Diluted)	0.61	0.96	0.56	0.51	0.21	0.22	0.28	0.60
Reported Currency	USD	USD	USD	USD	USD	USD	USD	USD
Gross Profit Ratio	0.482	0.585	0.465	0.462	0.401	0.38	0.385	0.484
General And Administrative Expenses	55.5M	80.9M	56.5M	52.7M	51.6M	48.3M	46.5M	48.9M
Selling And Marketing Expenses	0	2.3M	1.8M	4.4M	3.7M	2.0M	2.5M	3.0M
Selling General And Administrative Expenses	55.5M	83.2M	58.3M	57.1M	55.2M	50.2M	48.9M	51.9M
Other Expenses	29.8M	5.9M	25.3M	30.4M	26.4M	27.8M	25.1M	23.7M
Cost And Expenses	219.9M	209.4M	221.8M	225.9M	223.2M	226.7M	220.4M	194.5M
Interest Income	233.9M	239.7M	231.4M	224.3M	213.1M	212.6M	208.9M	198.4M
Interest Expense	114.5M	116.5M	115.9M	115.1M	112.6M	115.1M	111.9M	107.1M
Depreciation And Amortization	0	3.7M	6.7M	6.8M	7.0M	6.7M	6.3M	5.3M
Ebitda	40.1M	83.8M	43.2M	38.0M	20.1M	19.9M	24.1M	41.4M
Ebitdaratio	0.154	0.289	0.167	0.148	0.085	0.083	0.101	0.18
Operating Income Ratio	0.154	0.277	0.142	0.121	0.056	0.055	0.075	0.156
Income Before Tax	40.1M	80.1M	36.6M	31.2M	13.1M	13.2M	17.8M	36.1M
Income Before Tax Ratio	0.154	0.277	0.142	0.121	0.056	0.055	0.075	0.156
Income Tax Expense	10.1M	36.0M	10.1M	7.8M	3.5M	3.4M	4.8M	9.1M
Net Income Ratio	0.116	0.152	0.103	0.091	0.041	0.041	0.055	0.117
Epsdiluted	0.60	0.95	0.55	0.51	0.21	0.22	0.28	0.59
Weighted Average Shs Out	45.9M	45.9M	45.8M	45.6M	45.4M	45.2M	45.1M	45.0M
Weighted Average Shs Out Dil	46.3M	46.3M	46.2M	45.8M	45.8M	46.2M	46.0M	45.5M