Live Oak Bancshares, Inc. (LOB) — Working Capital to Net Assets Ratio
Live Oak Bancshares, Inc. (LOB) has a Working Capital to Net Assets ratio of -953.8% as of December 2025. Working capital of $-11.96 Billion (current assets of $1.73 Billion minus current liabilities of $13.69 Billion) is measured against net assets of $1.25 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See net asset quality index of Live Oak Bancshares, Inc. to measure how much of total assets are equity-financed.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Live Oak Bancshares, Inc. Working Capital to Net Assets (2011–2025)
This chart shows how Live Oak Bancshares, Inc.'s Working Capital to Net Assets ratio has evolved across 15 annual periods from 2011 to 2025. As of December 2025, the ratio stands at -953.8%, reflecting working capital of $-11.96 Billion against net assets of $1.25 Billion USD. Check LOB goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Working Capital to Net Assets for Live Oak Bancshares, Inc. (2011–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Live Oak Bancshares, Inc. from 2011 to 2025, covering 15 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see LOB market cap.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -953.8% | $-11.96 Billion | $1.25 Billion | $1.73 Billion | $13.69 Billion | ▲ +154.9 pp |
| 2024 | -1108.7% | $-11.13 Billion | $1.00 Billion | $634.39 Million | $11.76 Billion | ▼ -1399.1 pp |
| 2023 | 290.4% | $1.70 Billion | $586.56 Million | $1.71 Billion | $5.27 Million | ▲ +1231.9 pp |
| 2022 | -941.5% | $-7.64 Billion | $811.03 Million | $1.30 Billion | $8.93 Billion | ▼ -1093.9 pp |
| 2021 | 152.4% | $1.09 Billion | $715.13 Million | $1.10 Billion | $8.00 Million | ▼ -30.6 pp |
| 2020 | 183.0% | $1.04 Billion | $567.85 Million | $1.05 Billion | $14.49 Million | ▲ +54.5 pp |
| 2019 | 128.5% | $671.43 Million | $522.38 Million | $674.05 Million | $2.62 Million | ▲ +624.2 pp |
| 2018 | -495.7% | $-2.45 Billion | $493.56 Million | $704.56 Million | $3.15 Billion | ▼ -59.4 pp |
| 2017 | -436.3% | $-1.91 Billion | $436.93 Million | $388.63 Million | $2.29 Billion | ▲ +100.2 pp |
| 2016 | -536.5% | $-1.20 Billion | $222.85 Million | $309.06 Million | $1.50 Billion | ▼ -602.8 pp |
| 2015 | 66.4% | $132.37 Million | $199.49 Million | $156.37 Million | $24.00 Million | ▲ +576.2 pp |
| 2014 | -509.8% | $-468.08 Million | $91.81 Million | $89.22 Million | $557.30 Million | ▲ +110.0 pp |
| 2013 | -619.8% | $-299.93 Million | $48.39 Million | $56.69 Million | $356.62 Million | ▲ +95.2 pp |
| 2012 | -715.0% | $-227.09 Million | $31.76 Million | $59.59 Million | $286.67 Million | ▼ -70.5 pp |
| 2011 | -644.5% | $-177.78 Million | $27.58 Million | $44.38 Million | $222.16 Million | — |