Live Oak Bancshares, Inc. (LOB) — 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). Check LOB capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Live Oak Bancshares, Inc. Financial Flexibility Index (2011–2025)
Historical Financial Flexibility Index trend for Live Oak Bancshares, Inc. across 15 annual periods. For the full cash flow conversion analysis, see Live Oak Bancshares, Inc. cash flow conversion.
Annual Financial Flexibility Index for Live Oak Bancshares, Inc. (2011–2025)
Year-by-year free cash flow to debt coverage for Live Oak Bancshares, Inc.. Explore LOB operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
| 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 | — |