Live Oak Bancshares, Inc. (LOB) — Cash Flow-to-Debt Ratio
Live Oak Bancshares, Inc. (LOB) has a Cash Flow-to-Debt Ratio of 0.01x as of June 2026, meaning its operating cash flow of $118.57 Million could theoretically repay 0% of its total liabilities ($14.72 Billion) in one year. See Live Oak Bancshares, Inc. (LOB) flexibility index to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Live Oak Bancshares, Inc. Cash Flow-to-Debt Ratio (2011–2025)
Historical debt coverage capacity for Live Oak Bancshares, Inc. across 15 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of Live Oak Bancshares, Inc..
Annual Cash Flow-to-Debt Ratio for Live Oak Bancshares, Inc. (2011–2025)
Year-by-year debt coverage analysis for Live Oak Bancshares, Inc.. Check Live Oak Bancshares, Inc. (LOB) cash earnings ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $158.24 Million | $13.88 Billion | ▼ -74.6% |
| 2024 | 0.04x | $536.47 Million | $11.94 Billion | ▼ -22.6% |
| 2023 | 0.06x | $620.07 Million | $10.68 Billion | ▲ +321.6% |
| 2022 | 0.01x | $124.48 Million | $9.04 Billion | ▲ +186.2% |
| 2021 | -0.02x | $-119.72 Million | $7.50 Billion | ▲ +57.3% |
| 2020 | -0.04x | $-272.99 Million | $7.30 Billion | ▲ +67.5% |
| 2019 | -0.12x | $-493.93 Million | $4.29 Billion | ▼ -5907.9% |
| 2018 | 0.00x | $6.29 Million | $3.18 Billion | ▲ +101.6% |
| 2017 | -0.12x | $-287.53 Million | $2.32 Billion | ▲ +14.5% |
| 2016 | -0.14x | $-221.95 Million | $1.53 Billion | ▲ +63.1% |
| 2015 | -0.39x | $-334.68 Million | $853.13 Million | ▲ +12.8% |
| 2014 | -0.45x | $-261.51 Million | $581.50 Million | ▼ -288.8% |
| 2013 | -0.12x | $-44.17 Million | $381.96 Million | ▼ -27.2% |
| 2012 | -0.09x | $-28.26 Million | $310.71 Million | ▼ -98.6% |
| 2011 | -0.05x | $-10.92 Million | $238.57 Million | — |