Live Oak Bancshares, Inc. (LOB) — Cash Flow Quality Index
Live Oak Bancshares, Inc. (LOB) has a Cash Flow Quality Index of 2.91x as of March 2026. Operating cash flow of $87.38 Million exceeds net income of $30.04 Million, indicating high earnings quality where cash backs reported profits. Explore LOB strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Live Oak Bancshares, Inc. Cash Flow Quality Index (2011–2025)
Historical Cash Flow Quality Index for Live Oak Bancshares, Inc. across 15 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Live Oak Bancshares, Inc. tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Live Oak Bancshares, Inc. (2011–2025)
Year-by-year earnings quality comparison for Live Oak Bancshares, Inc.. For live market cap and the full company financial profile, see market value of Live Oak Bancshares, Inc..
| 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 | — |