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 March 2026, meaning its operating cash flow of $87.38 Million could theoretically repay 0% of its total liabilities ($14.02 Billion) in one year. See cash generation quality of Live Oak Bancshares, Inc. to measure how efficiently the company converts operating cash flow to free cash.
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. Also explore Live Oak Bancshares, Inc. (LOB) net asset momentum to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Live Oak Bancshares, Inc. (2011–2025)
Year-by-year debt coverage analysis for Live Oak Bancshares, Inc.. For market capitalisation and broader financial context, see Live Oak Bancshares, Inc. (LOB) total market value.
| 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 | — |