Live Oak Bancshares, Inc. (LOB) — Defensive Interval Ratio
Live Oak Bancshares, Inc. (LOB) has a Defensive Interval Ratio of 25 days as of March 2026. Defensive assets of $957.74 Million (cash $-, short-term investments $868.74 Million, receivables $89.00 Million) cover 25 days of daily cash needs of $37.90 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Live Oak Bancshares, Inc. Defensive Interval Ratio (2011–2025)
This chart shows how Live Oak Bancshares, Inc.'s Defensive Interval Ratio has evolved across 15 annual periods from 2011 to 2025. As of March 2026, the ratio stands at 25 days, meaning defensive assets of $957.74 Million can fund 25 days of operations without new revenue. For the complete balance sheet picture, see total assets of Live Oak Bancshares, Inc..
Annual Defensive Interval Ratio for Live Oak Bancshares, Inc. (2011–2025)
The table below presents the year-by-year Defensive Interval Ratio for Live Oak Bancshares, Inc. from 2011 to 2025, covering 15 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See Live Oak Bancshares, Inc. short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 25 days | $946.60 Million | $37.50 Million/day | $- | $861.60 Million | ▲ +24 days |
| 2024 | 1 days | $25.34 Million | $32.22 Million/day | $- | $25.34 Million | ▼ -77967 days |
| 2023 | 77968 days | $1.13 Billion | $14.44K/day | $- | $1.13 Billion | ▲ +77926 days |
| 2022 | 43 days | $1.04 Billion | $24.48 Million/day | $- | $1.01 Billion | ▼ -42828 days |
| 2021 | 42870 days | $939.63 Million | $21.92K/day | $- | $906.05 Million | ▲ +23119 days |
| 2020 | 19752 days | $784.02 Million | $39.69K/day | $- | $750.10 Million | ▼ -55512 days |
| 2019 | 75264 days | $540.04 Million | $7.18K/day | $- | $540.04 Million | ▲ +75220 days |
| 2018 | 44 days | $380.49 Million | $8.63 Million/day | $- | $380.49 Million | ▲ +29 days |
| 2017 | 15 days | $93.36 Million | $6.29 Million/day | $- | $93.36 Million | ▼ -2 days |
| 2016 | 17 days | $71.06 Million | $4.12 Million/day | $- | $71.06 Million | ▼ -1473 days |
| 2015 | 1490 days | $97.99 Million | $65.75K/day | $- | $53.76 Million | ▲ +1458 days |
| 2014 | 32 days | $49.32 Million | $1.53 Million/day | $- | $49.32 Million | ▲ +12 days |
| 2013 | 20 days | $19.45 Million | $977.04K/day | $- | $19.45 Million | ▲ +0 days |
| 2012 | 20 days | $15.42 Million | $785.41K/day | $- | $15.42 Million | ▼ -8 days |
| 2011 | 28 days | $16.84 Million | $608.67K/day | $- | $16.84 Million | — |