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.

Live Oak Bancshares, Inc.'s free cash flow has decreased 70.55% from $487.16M last year to $143.49M, signaling decreasing performance

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.

Live Oak Bancshares, Inc.'s debt has decreased relative to shareholder equity from 0.11 last year to 0.08 today, signaling strengthened financials

Live Oak Bancshares, Inc. has a net cash position, so leverage is healthy.

Live Oak Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Live Oak Bancshares, Inc.'s profit margin has increased (52.64%) in the last year from 8.34% to 12.73%, signaling increasing performance

Live Oak Bancshares, Inc.'s short-term liabilities of $13.69B exceed its short-term assets of $1.73B, signaling financial risk

Live Oak Bancshares, Inc.'s return on assets of 0.86% is lower than the 5.00% threshold, indicating inefficient asset utilization

Live Oak Bancshares, Inc.'s return on equity of 10.91%, is lower than 15.00%, indicating bad performance

Live Oak Bancshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Live Oak Bancshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Live Oak Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Live Oak Bancshares, Inc. has a free cash flow yield of 7.34%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Live Oak Bancshares, Inc.'s yearly earnings has increased 33.95% since last year from $77.47M to $103.78M, signaling increasing performance

Live Oak Bancshares, Inc.'s yearly revenue has increased 12.05% since last year from $929.29M to $1.04B, signaling increasing performance

ROIC 0.86% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Live Oak Bancshares, Inc.'s 3-year revenue CAGR of 26.96% is positive, indicating growing revenue over the past 3 years

Live Oak Bancshares, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Live Oak Bancshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Live Oak Bancshares, Inc. has insufficient data to evaluate this check.

Live Oak Bancshares, Inc. has an earnings yield of 7.04%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Live Oak Bancshares, Inc. is undervalued relative to its fair value price of 44.49 based on EBITDA multiple model

Live Oak Bancshares, Inc. has an EV/EBITDA ratio of 1.78x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Live Oak Bancshares, Inc. is undervalued relative to its fair value price of 71.37 based on Earnings Fair Value model

Live Oak Bancshares, Inc. has a PEG-ratio over 1 which is considered overvalued

Live Oak Bancshares, Inc. has a price-to-book ratio of 1.48x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Live Oak Bancshares, Inc. has a price-to-sales ratio of 1.81x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue