LOB
Income statement / Annual
Last year (2024), Live Oak Bancshares, Inc.'s total revenue was $929.29 M,
an increase of 19.67% from the previous year.
In 2024, Live Oak Bancshares, Inc.'s net income was $77.47 M.
See Live Oak Bancshares, Inc.,s key income statements, including revenue, expenses, profit, and income.
| Period |
FY-2024
|
FY-2023
|
FY-2022
|
FY-2021
|
FY-2020
|
FY-2019
|
FY-2018
|
FY-2017
|
FY-2016
|
FY-2015
|
| Period Ended |
12/31/2024 |
12/31/2023 |
12/31/2022 |
12/31/2021 |
12/31/2020 |
12/31/2019 |
12/31/2018 |
12/31/2017 |
12/31/2016 |
12/31/2015 |
| Operating Revenue |
$929.29 M |
$776.55 M |
$508.83 M |
$506.41 M |
$378.31 M |
$289.51 M |
$253.33 M |
$203.25 M |
$144.79 M |
$112.95 M |
| Cost of Revenue |
$532.68 M
|
$394.29 M
|
$157.92 M
|
$79.64 M
|
$134.34 M
|
$103.11 M
|
$60.16 M
|
$34.97 M
|
$27.16 M
|
$12.67 M
|
| Gross Profit |
$396.61 M
|
$382.26 M
|
$350.92 M
|
$426.78 M
|
$243.97 M
|
$186.40 M
|
$193.17 M
|
$168.27 M
|
$117.63 M
|
$100.29 M
|
| Gross Profit Ratio |
0.43
|
0.49
|
0.69
|
0.84
|
0.64
|
0.64
|
0.76
|
0.83
|
0.81
|
0.89
|
| Research and Development Expenses |
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
| General & Administrative Expenses |
$194.10 M
|
$191.72 M
|
$180.58 M
|
$132.00 M
|
$120.00 M
|
$103.35 M
|
$93.57 M
|
$88.74 M
|
$69.71 M
|
$44.42 M
|
| Selling & Marketing Expenses |
$11.15 M
|
$12.56 M
|
$10.54 M
|
$5.00 M
|
$3.51 M
|
$5.94 M
|
$6.02 M
|
$6.36 M
|
$4.53 M
|
$4.33 M
|
| Selling, General & Administrative Expenses |
$205.25 M
|
$204.28 M
|
$191.12 M
|
$137.00 M
|
$123.51 M
|
$109.28 M
|
$99.58 M
|
$95.11 M
|
$74.25 M
|
$48.75 M
|
| Other Expenses |
$102.13 M
|
$95.15 M
|
-$50.53 M
|
$78.98 M
|
$73.07 M
|
$53.66 M
|
$47.54 M
|
-$25.09 M
|
$26.18 M
|
$17.14 M
|
| Operating Expenses |
$307.38 M
|
$299.43 M
|
$140.59 M
|
$215.99 M
|
$196.58 M
|
$162.94 M
|
$147.12 M
|
$70.02 M
|
$100.42 M
|
$65.89 M
|
| Cost And Expenses |
$840.06 M
|
$693.72 M
|
$298.51 M
|
$295.63 M
|
$330.92 M
|
$266.05 M
|
$207.28 M
|
$104.99 M
|
$127.58 M
|
$78.56 M
|
| Interest Income |
$812.37 M
|
$688.28 M
|
$444.47 M
|
$361.21 M
|
$288.41 M
|
$227.98 M
|
$162.64 M
|
$103.47 M
|
$57.27 M
|
$34.45 M
|
| Interest Expense |
$436.47 M
|
$342.97 M
|
$116.97 M
|
$64.43 M
|
$93.69 M
|
$87.90 M
|
$54.60 M
|
$25.44 M
|
$14.62 M
|
$8.86 M
|
| Depreciation & Amortization |
$23.28 M
|
$21.27 M
|
$20.78 M
|
$21.37 M
|
$21.69 M
|
$19.97 M
|
$16.39 M
|
$10.28 M
|
$4.26 M
|
$3.44 M
|
| EBITDA |
$112.52 M |
$104.10 M |
$231.11 M |
$232.15 M |
$69.08 M |
$43.43 M |
$62.43 M |
$108.53 M |
$21.47 M |
$37.83 M |
| EBITDA Ratio |
0.12
|
0.13
|
0.45
|
0.46
|
0.18
|
0.15
|
0.25
|
0.53
|
0.15
|
0.33
|
| Operating Income Ratio |
0.1
|
0.11
|
0.41
|
0.42
|
0.13
|
0.08
|
0.18
|
0.48
|
0.12
|
0.3
|
| Total Other Income/Expenses Net |
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
| Income Before Tax |
$89.24 M
|
$82.83 M
|
$210.32 M
|
$210.79 M
|
$47.39 M
|
$23.47 M
|
$46.05 M
|
$98.25 M
|
$17.21 M
|
$34.40 M
|
| Income Before Tax Ratio |
0.1
|
0.11
|
0.41
|
0.42
|
0.13
|
0.08
|
0.18
|
0.48
|
0.12
|
0.3
|
| Income Tax Expense |
$11.82 M
|
$8.93 M
|
$34.12 M
|
$43.79 M
|
-$12.15 M
|
$5.43 M
|
-$5.40 M
|
-$2.25 M
|
$3.44 M
|
$13.80 M
|
| Net Income |
$77.47 M
|
$73.90 M
|
$176.21 M
|
$167.00 M
|
$59.54 M
|
$18.03 M
|
$51.45 M
|
$100.50 M
|
$13.77 M
|
$20.63 M
|
| Net Income Ratio |
0.08
|
0.1
|
0.35
|
0.33
|
0.16
|
0.06
|
0.2
|
0.49
|
0.1
|
0.18
|
| EPS |
1.72 |
1.67 |
4.02 |
3.87 |
1.46 |
0.45 |
1.28 |
2.75 |
0.4 |
0.66 |
| EPS Diluted |
1.69 |
1.64 |
3.92 |
3.71 |
1.43 |
0.44 |
1.24 |
2.65 |
0.39 |
0.65 |
| Weighted Average Shares Out |
$45.01 M
|
$44.35 M
|
$43.86 M
|
$43.17 M
|
$40.68 M
|
$40.22 M
|
$40.06 M
|
$36.59 M
|
$34.20 M
|
$31.08 M
|
| Weighted Average Shares Out Diluted |
$45.95 M
|
$45.10 M
|
$44.91 M
|
$45.07 M
|
$41.77 M
|
$41.05 M
|
$41.45 M
|
$37.86 M
|
$35.09 M
|
$31.97 M
|
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