StockWatch
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Live Oak Bancshares, Inc.

Ticker: 1462120

values in millions

Revenue & Profit Trend

in millions
RevenueExpenditureNet Profit
-10.7448.36107.46166.56Q2 FY2023Q3 FY2023Q1 FY2024Q2 FY2024Q3 FY2024Q1 FY2025Q2 FY2025Q3 FY2025

Margin Trend

percentage
OPM %NPM %
3.8215.0426.2637.47Q2 FY2023Q3 FY2023Q1 FY2024Q2 FY2024Q3 FY2024Q1 FY2025Q2 FY2025Q3 FY2025
PeriodQ3 FY2025Q2 FY2025Q1 FY2025Q3 FY2024Q2 FY2024Q1 FY2024Q3 FY2023Q2 FY2023
INCOME
Revenue146.10+1.6%143.75+14.0%126.11-2.9%129.93+3.5%125.48+8.0%116.21-8.7%127.30+17.4%108.46
Total Income146.10+1.6%143.75+14.0%126.11-2.9%129.93+3.5%125.48+8.0%116.21-8.7%127.30+17.4%108.46
EXPENSES
Expenditure109.53-2.7%112.55-0.4%112.98+0.8%112.09+25.4%89.42-5.0%94.10+11.3%84.54-5.5%89.49
Tax10.11+29.3%7.82+126.0%3.46-28.2%4.82-47.0%9.10+266.1%-5.48-284.5%2.97+107.7%1.43
PROFIT
PBT36.57+17.2%31.20+137.6%13.13-26.4%17.84-50.5%36.06+63.1%22.11-48.3%42.76+125.4%18.97
Net Profit26.52+13.2%23.43+141.0%9.72-25.4%13.03-51.7%26.96-2.3%27.59-30.7%39.79+126.9%17.54
KEY METRICS
OPM %25.03%+3.33pp21.71%+11.29pp10.41%-3.32pp13.73%-15.01pp28.74%+9.71pp19.02%-14.57pp33.59%+16.10pp17.49%
NPM %18.15%+1.85pp16.30%+8.59pp7.71%-2.32pp10.02%-11.46pp21.49%-2.25pp23.74%-7.52pp31.26%+15.08pp16.18%
EPS0.56+9.8%0.51+142.9%0.21-25.0%0.28-53.3%0.60-3.2%0.62-30.3%0.89+122.5%0.40