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 cash flow metrics to assess how effectively this company generates cash.
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 LOB total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
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 Live Oak Bancshares, Inc. (LOB) total market value.
| 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 | — |