Live Oak Bancshares, Inc. (LOB) - Cash Flow Conversion Efficiency
Based on the latest financial reports, Live Oak Bancshares, Inc. (LOB) has a cash flow conversion efficiency ratio of 0.068x as of March 2026. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow ($87.38 Million) by net assets ($1.28 Billion). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations. See Live Oak Bancshares, Inc. net asset quality index to measure how much of total assets are equity-financed.
Live Oak Bancshares, Inc. - Cash Flow Conversion Efficiency Trend (2011–2025)
This chart illustrates how Live Oak Bancshares, Inc.'s cash flow conversion efficiency has evolved over time, based on yearly financial data. Check how high is Live Oak Bancshares, Inc.'s earnings quality to evaluate the quality of earnings relative to operating cash generation.
Live Oak Bancshares, Inc. Competitors by Cash Flow Conversion Efficiency
The table below lists competitors of Live Oak Bancshares, Inc. ranked by their cash flow conversion efficiency.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Spartan Delta Corp
TO:SDE
|
0.139x |
|
Atrium Ljungberg AB (publ)
ST:ATRLJ-B
|
0.005x |
|
Five-Star Business Finance Limited
NSE:FIVESTAR
|
0.002x |
|
Antin IP SA
PA:ANTIN
|
0.108x |
|
Anhui Wanwei Updated High-tech Material Industry Co Ltd
SHG:600063
|
0.005x |
|
EZCORP Inc
NASDAQ:EZPW
|
0.042x |
|
Vishay Intertechnology Inc
NYSE:VSH
|
0.013x |
|
China Nonferrous Metal Industry’s Foreign Engineering and Construction Co Ltd
SHE:000758
|
-0.132x |
Annual Cash Flow Conversion Efficiency for Live Oak Bancshares, Inc. (2011–2025)
The table below shows the annual cash flow conversion efficiency of Live Oak Bancshares, Inc. from 2011 to 2025. For the full company profile with market capitalisation and key ratios, see LOB market cap.
| Year | Net Assets | Operating Cash Flow | Cash Flow Conversion Efficiency | Change |
|---|---|---|---|---|
| 2025-12-31 | $1.25 Billion | $158.24 Million | 0.126x | -76.40% |
| 2024-12-31 | $1.00 Billion | $536.47 Million | 0.535x | -49.43% |
| 2023-12-31 | $586.56 Million | $620.07 Million | 1.057x | +588.73% |
| 2022-12-31 | $811.03 Million | $124.48 Million | 0.153x | +191.69% |
| 2021-12-31 | $715.13 Million | $-119.72 Million | -0.167x | +65.18% |
| 2020-12-31 | $567.85 Million | $-272.99 Million | -0.481x | +49.16% |
| 2019-12-31 | $522.38 Million | $-493.93 Million | -0.946x | -7514.57% |
| 2018-12-31 | $493.56 Million | $6.29 Million | 0.013x | +101.94% |
| 2017-12-31 | $436.93 Million | $-287.53 Million | -0.658x | +33.93% |
| 2016-12-31 | $222.85 Million | $-221.95 Million | -0.996x | +40.63% |
| 2015-12-31 | $199.49 Million | $-334.68 Million | -1.678x | +41.10% |
| 2014-12-31 | $91.81 Million | $-261.51 Million | -2.848x | -212.00% |
| 2013-12-31 | $48.39 Million | $-44.17 Million | -0.913x | -2.60% |
| 2012-12-31 | $31.76 Million | $-28.26 Million | -0.890x | -124.66% |
| 2011-12-31 | $27.58 Million | $-10.92 Million | -0.396x | -- |
About Live Oak Bancshares, Inc.
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides commercial and industrial loans; construction and de… Read more