Live Oak Bancshares, Inc. Cash Flow Quality Index
Live Oak Bancshares, Inc. cash flow quality index. Live Oak Bancshares, Inc. (LOB) has a Cash Flow Quality Index of 1.78x as of June 2026. Operating cash flow of $118.57 Million exceeds net income of $66.65 Million, indicating high earnings quality where cash backs reported profits. See Live Oak Bancshares, Inc. free cash flow to debt ratio to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Live Oak Bancshares, Inc. (2011–2025)
Cash flow quality index of Live Oak Bancshares, Inc. from 2011 to 2025. Historical Cash Flow Quality Index for Live Oak Bancshares, Inc. across 15 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore LOB operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Live Oak Bancshares, Inc. Cash Flow Quality Index by Year (2011–2025)
Live Oak Bancshares, Inc. cash flow quality index by year from 2011 to 2025. Year-by-year earnings quality comparison for Live Oak Bancshares, Inc.. For the full cash flow conversion analysis, see LOB cash flow conversion.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.50x | $158.24 Million | $105.64 Million | ▼ -78.4% |
| 2024 | 6.93x | $536.47 Million | $77.42 Million | ▼ -17.4% |
| 2023 | 8.39x | $620.07 Million | $73.90 Million | ▲ +1087.7% |
| 2022 | 0.71x | $124.48 Million | $176.21 Million | ▲ +198.5% |
| 2021 | -0.72x | $-119.72 Million | $167.00 Million | ▲ +84.4% |
| 2020 | -4.58x | $-272.99 Million | $59.54 Million | ▲ +83.3% |
| 2019 | -27.39x | $-493.93 Million | $18.03 Million | ▼ -22487.8% |
| 2018 | 0.12x | $6.29 Million | $51.45 Million | ▲ +104.3% |
| 2017 | -2.86x | $-287.53 Million | $100.50 Million | ▲ +82.3% |
| 2016 | -16.13x | $-221.95 Million | $13.76 Million | ▲ +0.7% |
| 2015 | -16.25x | $-334.68 Million | $20.60 Million | ▲ +37.6% |
| 2014 | -26.03x | $-261.51 Million | $10.05 Million | ▼ -1546.2% |
| 2013 | -1.58x | $-44.17 Million | $27.94 Million | ▲ +17.2% |
| 2012 | -1.91x | $-28.26 Million | $14.80 Million | ▼ -150.2% |
| 2011 | -0.76x | $-10.92 Million | $14.31 Million | — |