Live Oak Bancshares, Inc. Detailed Financials

Full historical quarterly statements

Metric	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	272.5M	259.9M	289.4M	258.4M	257.1M	236.3M	239.9M	238.3M
Cost of Goods Sold	142.2M	134.6M	120.2M	138.2M	138.3M	141.5M	148.7M	146.4M
Gross Profit	130.3M	125.4M	169.2M	120.2M	118.8M	94.8M	91.2M	91.8M
R&D Expenses	0	0	0	0	0	0	0	0
Operating Expenses	84.5M	85.3M	89.2M	83.6M	87.5M	81.7M	78.0M	74.0M
Operating Income	45.8M	40.1M	80.1M	36.6M	31.2M	13.1M	13.2M	17.8M
Other Income / Gains	0	0	0	0	0	0	0	0
Net Income	36.8M	30.0M	44.1M	26.5M	23.4M	9.7M	9.9M	13.0M
EPS (Diluted)	0.75	0.61	0.96	0.56	0.51	0.21	0.22	0.28
Reported Currency	USD	USD	USD	USD	USD	USD	USD	USD
Gross Profit Ratio	0.478	0.482	0.585	0.465	0.462	0.401	0.38	0.385
General And Administrative Expenses	54.8M	55.5M	80.9M	56.5M	52.7M	51.6M	48.3M	46.5M
Selling And Marketing Expenses	0	0	2.3M	1.8M	4.4M	3.7M	2.0M	2.5M
Selling General And Administrative Expenses	54.8M	55.5M	83.2M	58.3M	57.1M	55.2M	50.2M	48.9M
Other Expenses	29.7M	29.8M	5.9M	25.3M	30.4M	26.4M	27.8M	25.1M
Cost And Expenses	226.7M	219.9M	209.4M	221.8M	225.9M	223.2M	226.7M	220.4M
Interest Income	241.7M	233.9M	239.7M	231.4M	224.3M	213.1M	212.6M	208.9M
Interest Expense	116.4M	114.5M	116.5M	115.9M	115.1M	112.6M	115.1M	111.9M
Depreciation And Amortization	0	6.9M	3.7M	6.7M	6.8M	7.0M	6.7M	6.3M
Ebitda	45.8M	47.0M	83.8M	43.2M	38.0M	20.1M	19.9M	24.1M
Ebitdaratio	0.168	0.181	0.289	0.167	0.148	0.085	0.083	0.101
Operating Income Ratio	0.168	0.154	0.277	0.142	0.121	0.056	0.055	0.075
Income Before Tax	45.8M	40.1M	80.1M	36.6M	31.2M	13.1M	13.2M	17.8M
Income Before Tax Ratio	0.168	0.154	0.277	0.142	0.121	0.056	0.055	0.075
Income Tax Expense	9.1M	10.1M	36.0M	10.1M	7.8M	3.5M	3.4M	4.8M
Net Income Ratio	0.135	0.116	0.152	0.103	0.091	0.041	0.041	0.055
Epsdiluted	0.74	0.60	0.95	0.55	0.51	0.21	0.22	0.28
Weighted Average Shs Out	46.3M	45.9M	45.9M	45.8M	45.6M	45.4M	45.2M	45.1M
Weighted Average Shs Out Dil	46.6M	46.3M	46.3M	46.2M	45.8M	45.8M	46.2M	46.0M