LOB Live Oak Bancshares margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 91

Gross margin

100%

Operating margin

35.6%

EBITDA margin

41.3%

Net margin

26.9%

The Live Oak Bancshares reports a gross margin of 100%, an operating margin of 35.6%, an EBITDA margin of 41.3%, and a net margin of 26.9%. Operating margin improved by 16 percentage points, while other available margins were unchanged.

LOB margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, Live Oak Bancshares's margins averaged 100% gross, 26.78% operating, 31.29% EBITDA, and 20.8% net. For Live Oak Bancshares, operating, EBITDA, and net margins are above their three-year averages.

LOB margin expansion

Year-over-year margin changes in percentage points

Operating margin expanded by 16 percentage points, EBITDA margin by 15 percentage points, and net margin by 12.5 percentage points. Gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

16pp

EBITDA margin expansion

15pp

Net margin expansion

12.5pp

LOB Gross margin

Live Oak Bancshares recorded an average gross margin of 100% across the last 3 years. The current gross margin stands at 100%, in line with its three-year average. Gross margin was highest at 100% in Jun 2026 and lowest at 100% in Dec 2023.

LOB Operating margin

Reviewing the last 3 years, Live Oak Bancshares recorded an average operating margin of 26.78%. At present, Live Oak Bancshares's current operating margin is 35.6%, which is 8.8 percentage points above its three-year average. The highest operating margin for Live Oak Bancshares was 35.6% in Jun 2026, while the lowest was 19.6% in Jun 2025.

LOB EBITDA margin

Across the last 3 years, Live Oak Bancshares recorded an average EBITDA margin of 31.29%. Live Oak Bancshares's current EBITDA margin is 41.3% and is 10 percentage points above its three-year average. The highest EBITDA margin for Live Oak Bancshares was 41.3% in Jun 2026, while the lowest was 26.2% in Dec 2023.

LOB Net margin

Live Oak Bancshares's net margin averaged 20.8% during the last 3 years. Live Oak Bancshares currently reports a net margin of 26.9%, 6.1 percentage points above its three-year average. Over the last 3 years, Live Oak Bancshares's net margin peaked at 26.9% in Jun 2026 and reached a low of 14.4% in Jun 2025.

LOB margin group comparison

Margins compared with peer-group, industry and sector averages

Live Oak Bancshares's gross margin of 100% is above the Financial Services sector and the industry average. Compared to its Financial Services sector average of 83.9%, Live Oak Bancshares's gross margin is 19% higher.

LOB margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Live Oak Bancshares's gross margin?

The current gross margin for LOB is 100% as of Jun 30, 2026.

What is Live Oak Bancshares's operating margin?

For the period ending Jun 30, 2026, LOB recorded an operating margin of 35.6%.

What is Live Oak Bancshares's EBITDA margin?

As of Jun 30, 2026, LOB has an EBITDA margin of 41.3%.

What is Live Oak Bancshares's net margin?

As of Jun 30, 2026, LOB has a net margin of 26.9%.

What are the average margins of LOB?

The three-year average margins for LOB were 100.0% gross, 26.8% operating, 31.3% EBITDA, and 20.8% net.

What are the highest historical margins of LOB?

In the last 5 years, the highest margins reported by LOB were 100% gross in Jun 2026, 49.5% operating in Jun 2022, 53.6% EBITDA in Jun 2022, and 37.8% net in Dec 2021.

What are the lowest historical margins of LOB?

Over this 5-year history, Live Oak Bancshares's margins fell as low as 100% gross in Dec 2021, 19.6% operating in Sep 2023, 22.6% EBITDA in Jun 2023, and 14.4% net in Jun 2025.