Live Oak Bancshares, Inc.
LOB · NYSE
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $929 | $777 | $509 | $506 |
| % Growth | 19.7% | 52.6% | 0.5% | – |
| Cost of Goods Sold | $533 | $394 | $158 | $80 |
| Gross Profit | $397 | $382 | $351 | $427 |
| % Margin | 42.7% | 49.2% | 69% | 84.3% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $194 | $192 | $181 | $132 |
| SG&A Expenses | $205 | $204 | $191 | $137 |
| Sales & Mktg Exp. | $11 | $13 | $11 | $5 |
| Other Operating Expenses | $102 | $95 | -$51 | $79 |
| Operating Expenses | $307 | $299 | $141 | $216 |
| Operating Income | $89 | $83 | $210 | $211 |
| % Margin | 9.6% | 10.7% | 41.3% | 41.6% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $89 | $83 | $210 | $211 |
| Tax Expense | $12 | $9 | $34 | $44 |
| Net Income | $77 | $74 | $176 | $167 |
| % Margin | 8.3% | 9.5% | 34.6% | 33% |
| EPS | 1.72 | 1.67 | 4.02 | 3.87 |
| % Growth | 3% | -58.5% | 3.9% | – |
| EPS Diluted | 1.69 | 1.64 | 3.92 | 3.71 |
| Weighted Avg Shares Out | 45 | 44 | 44 | 43 |
| Weighted Avg Shares Out Dil | 46 | 45 | 45 | 45 |
| Supplemental Information | – | – | – | – |
| Interest Income | $812 | $688 | $444 | $361 |
| Interest Expense | $436 | $343 | $117 | $64 |
| Depreciation & Amortization | $23 | $21 | $21 | $21 |
| EBITDA | $113 | $104 | $231 | $232 |
| % Margin | 12.1% | 13.4% | 45.4% | 45.8% |