Live Oak Bancshares, Inc. Financial Flexibility Index
Live Oak Bancshares, Inc. financial flexibility index. Live Oak Bancshares, Inc. (LOB) has a Financial Flexibility Index of 0.01x as of June 2026. Free cash flow of $123.43 Million (operating CF $118.57 Million minus capex $4.86 Million) represents 0% of total liabilities ($14.72 Billion). See free cash flow generation of Live Oak Bancshares, Inc. to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Live Oak Bancshares, Inc. (2011–2025)
Financial flexibility index of Live Oak Bancshares, Inc. from 2011 to 2025. Historical Financial Flexibility Index trend for Live Oak Bancshares, Inc. across 15 annual periods. Check Live Oak Bancshares, Inc. earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
Live Oak Bancshares, Inc. Financial Flexibility Index by Year (2011–2025)
Live Oak Bancshares, Inc. financial flexibility index by year from 2011 to 2025. Year-by-year free cash flow to debt coverage for Live Oak Bancshares, Inc.. For the full cash flow conversion analysis, see LOB cash flow conversion.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $173.00 Million | $158.24 Million | $13.88 Billion | ▼ -74.6% |
| 2024 | 0.05x | $585.77 Million | $536.47 Million | $11.94 Billion | ▼ -21.4% |
| 2023 | 0.06x | $666.91 Million | $620.07 Million | $10.68 Billion | ▲ +235.6% |
| 2022 | 0.02x | $168.24 Million | $124.48 Million | $9.04 Billion | ▲ +219.6% |
| 2021 | -0.02x | $-116.64 Million | $-119.72 Million | $7.50 Billion | ▲ +54.9% |
| 2020 | -0.03x | $-252.00 Million | $-272.99 Million | $7.30 Billion | ▲ +67.6% |
| 2019 | -0.11x | $-456.73 Million | $-493.93 Million | $4.29 Billion | ▼ -387.4% |
| 2018 | 0.04x | $117.62 Million | $6.29 Million | $3.18 Billion | ▲ +152.6% |
| 2017 | -0.07x | $-163.39 Million | $-287.53 Million | $2.32 Billion | ▲ +48.9% |
| 2016 | -0.14x | $-211.06 Million | $-221.95 Million | $1.53 Billion | ▲ +61.4% |
| 2015 | -0.36x | $-304.23 Million | $-334.68 Million | $853.13 Million | ▲ +16.1% |
| 2014 | -0.43x | $-247.16 Million | $-261.51 Million | $581.50 Million | ▼ -345.4% |
| 2013 | -0.10x | $-36.45 Million | $-44.17 Million | $381.96 Million | ▼ -110.8% |
| 2012 | -0.05x | $-14.07 Million | $-28.26 Million | $310.71 Million | ▼ -88.7% |
| 2011 | -0.02x | $-5.72 Million | $-10.92 Million | $238.57 Million | — |