Live Oak Bancshares, Inc. (LOB) — Free Cash Flow Generation Index
Live Oak Bancshares, Inc. (LOB) has a Free Cash Flow Generation Index of 0.96x as of June 2026. Free cash flow of $113.71 Million represents 1% of operating cash flow ($118.57 Million). Explore Live Oak Bancshares, Inc. (LOB) reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Live Oak Bancshares, Inc. Free Cash Flow Generation Index (2018–2025)
Historical FCF Generation Index trend for Live Oak Bancshares, Inc. across 5 annual periods. For the full cash flow conversion analysis, see LOB cash flow conversion.
Annual Free Cash Flow Generation for Live Oak Bancshares, Inc. (2018–2025)
Year-by-year Free Cash Flow Generation Index for Live Oak Bancshares, Inc.. Check Live Oak Bancshares, Inc. cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.91x | $143.49 Million | $158.24 Million | $14.76 Million | ▼ -0.1% |
| 2024 | 0.91x | $487.16 Million | $536.47 Million | $49.31 Million | ▼ -1.8% |
| 2023 | 0.92x | $573.23 Million | $620.07 Million | $46.84 Million | ▲ +42.5% |
| 2022 | 0.65x | $80.73 Million | $124.48 Million | $43.75 Million | ▲ +103.9% |
| 2018 | -16.69x | $-105.03 Million | $6.29 Million | $111.32 Million | — |