Live Oak Bancshares, Inc.
LOB · NYSE
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $929,290 | $776,554 | $508,830 | $506,413 |
| % Growth | 19.7% | 52.6% | 0.5% | – |
| Cost of Goods Sold | $532,679 | $394,293 | $157,915 | $79,638 |
| Gross Profit | $396,611 | $382,261 | $350,915 | $426,775 |
| % Margin | 42.7% | 49.2% | 69% | 84.3% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $194,103 | $191,722 | $180,578 | $132,002 |
| SG&A Expenses | $205,251 | $204,281 | $191,121 | $137,004 |
| Sales & Mktg Exp. | $11,148 | $12,559 | $10,543 | $5,002 |
| Other Operating Expenses | $102,125 | $95,150 | -$50,530 | $78,983 |
| Operating Expenses | $307,376 | $299,431 | $140,591 | $215,987 |
| Operating Income | $89,235 | $82,830 | $210,324 | $210,788 |
| % Margin | 9.6% | 10.7% | 41.3% | 41.6% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $89,235 | $82,830 | $210,324 | $210,788 |
| Tax Expense | $11,818 | $8,932 | $34,116 | $43,793 |
| Net Income | $77,474 | $73,898 | $176,208 | $166,995 |
| % 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 | 45,010 | 44,354 | 43,862 | 43,170 |
| Weighted Avg Shares Out Dil | 45,954 | 45,095 | 44,906 | 45,071 |
| Supplemental Information | – | – | – | – |
| Interest Income | $812,372 | $688,275 | $444,473 | $361,213 |
| Interest Expense | $436,467 | $342,970 | $116,972 | $64,428 |
| Depreciation & Amortization | $23,282 | $21,271 | $20,783 | $21,366 |
| EBITDA | $112,517 | $104,101 | $231,107 | $232,154 |
| % Margin | 12.1% | 13.4% | 45.4% | 45.8% |