Live Oak Bancshares, Inc. (LOB) — 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. Explore Live Oak Bancshares, Inc. debt service capacity to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see LOB cash generation efficiency.
Annual Cash Flow Quality Index for Live Oak Bancshares, Inc. (2011–2025)
Year-by-year earnings quality comparison for 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 | — |