Live Oak Bancshares, Inc. (LOB) — Cash Flow Reinvestment Rate
Live Oak Bancshares, Inc. (LOB) has a Cash Flow Reinvestment Rate of 0.38x as of June 2026, reinvesting $44.76 Million (capex $4.86 Million plus investments $-39.91 Million) from operating cash flow of $118.57 Million. See Live Oak Bancshares, Inc. free cash flow ratio to measure how efficiently the company converts operating cash flow to free cash.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Live Oak Bancshares, Inc. Cash Flow Reinvestment Rate (2018–2025)
Historical reinvestment intensity for Live Oak Bancshares, Inc. across 5 annual periods. For the full cash flow conversion analysis, see LOB cash flow metrics.
Annual Cash Flow Reinvestment Rate for Live Oak Bancshares, Inc. (2018–2025)
Year-by-year capital reinvestment analysis for Live Oak Bancshares, Inc.. See Live Oak Bancshares, Inc. leverage flexibility ratio to measure the company's free cash flow as a share of total liabilities.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.48x | $75.53 Million | $158.24 Million | $14.76 Million | ▼ -88.0% |
| 2024 | 3.97x | $2.13 Billion | $536.47 Million | $49.31 Million | ▲ +24.7% |
| 2023 | 3.18x | $1.97 Billion | $620.07 Million | $46.84 Million | ▼ -72.4% |
| 2022 | 11.53x | $1.44 Billion | $124.48 Million | $43.75 Million | ▼ -91.5% |
| 2018 | 135.33x | $851.77 Million | $6.29 Million | $111.32 Million | — |