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 -0.260x as of September 2025. 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 ($-313.15 Million) by net assets ($1.20 Billion). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.
Live Oak Bancshares, Inc. - Cash Flow Conversion Efficiency Trend (2011–2024)
This chart illustrates how Live Oak Bancshares, Inc.'s cash flow conversion efficiency has evolved over time, based on yearly financial data. Read how much debt does Live Oak Bancshares, Inc. carry for a breakdown of total debt and financial obligations.
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 |
|---|---|
|
AG Anadolu Group Holding
IS:AGHOL
|
0.114x |
|
Argan SA
PA:ARG
|
0.047x |
|
Tien Phong Commercial Joint Stock Bank
VN:TPB
|
0.690x |
|
Minera Valparaiso S.A.
SN:MINERA
|
0.027x |
|
Kemper Corporation
NYSE:KMPR
|
0.066x |
|
Companhia Siderurgica Nacional ADR
NYSE:SID
|
0.120x |
|
Eramet SA
PA:ERA
|
-0.104x |
|
Sunwave Communications Co Ltd
SHE:002115
|
-0.059x |
Annual Cash Flow Conversion Efficiency for Live Oak Bancshares, Inc. (2011–2024)
The table below shows the annual cash flow conversion efficiency of Live Oak Bancshares, Inc. from 2011 to 2024. 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 |
|---|---|---|---|---|
| 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. It operates through two segments: Banking and Fintech. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provid… Read more