$1.2 B

LOB Mkt cap, 15-Jun-2018

$65.8 M

Live Oak Bancshares Revenue Q1, 2018
Live Oak Bancshares Gross profit (Q1, 2018)55.2 M
Live Oak Bancshares Gross profit margin (Q1, 2018), %84%
Live Oak Bancshares Net income (Q1, 2018)12.5 M
Live Oak Bancshares EBIT (Q1, 2018)24.5 M
Live Oak Bancshares Cash, 31-Mar-2018528 M

Live Oak Bancshares Financials

Live Oak Bancshares Income Statement

Annual

USDFY, 2015FY, 2016FY, 2017

Revenue

118.8 m150.8 m

Revenue growth, %

27%

Cost of goods sold

8.9 m14.6 m25.4 m

Gross profit

109.9 m136.2 m

Gross profit Margin, %

93%90%

Sales and marketing expense

40.3 m63 m

General and administrative expense

5.6 m6.8 m

Operating expense total

45.9 m69.8 m143.2 m

EBIT

25.6 m30.1 m78 m

EBIT margin, %

22%20%

Pre tax profit

34.4 m17.2 m98.3 m

Income tax expense

13.8 m3.4 m(2.2 m)

Net Income

20.6 m13.8 m100.5 m

Quarterly

USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018

Revenue

25.8 m26.8 m33.8 m32.8 m41 m46.2 m51 m65.8 m

Cost of goods sold

2.2 m2.4 m2.7 m3.5 m3.9 m4.8 m6 m10.5 m

Gross profit

23.6 m24.4 m31.1 m29.3 m37.1 m41.4 m45.1 m55.2 m

Gross profit Margin, %

91%91%92%89%90%90%88%84%

Sales and marketing expense

9.3 m9.9 m13 m15.4 m17.5 m18.7 m18 m

General and administrative expense

1.1 m1.3 m1.7 m1.6 m1.7 m2.3 m3.1 m4.9 m

Operating expense total

16.8 m18 m21.7 m25.1 m27.2 m33 m33.3 m38.1 m

EBIT

5.4 m5.4 m7.3 m6.5 m7.8 m15.6 m18.4 m24.5 m

EBIT margin, %

21%20%22%20%19%34%36%37%

Pre tax profit

6.7 m5.1 m8 m680 k6 m6.9 m10.2 m12.8 m

Income tax expense

2.8 m2.2 m3.3 m557 k2.6 m798 k408 k315 k

Net Income

3.9 m2.9 m4.7 m123 k3.5 m6.1 m9.8 m12.5 m

Live Oak Bancshares Balance Sheet

Annual

USDFY, 2015FY, 2016FY, 2017

Cash

102.6 m238 m295.3 m

PP&E

62.7 m64.7 m178.8 m

Total Assets

1.1 b1.8 b2.8 b

Accounts Payable

1.9 b2.3 b

Total Liabilities

1.5 b2.3 b

Common Stock

137.5 m150 m268.6 m

Retained Earnings

12.1 m23.5 m120.2 m

Total Equity

199.5 m222.8 m436.9 m

Financial Leverage

5.3 x7.9 x6.3 x

Quarterly

USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018

Cash

131.5 m129.9 m226.6 m175.5 m355.5 m158.9 m207.4 m528 m

PP&E

57.3 m62.6 m61.8 m61.1 m60.6 m101.4 m125 m216.8 m

Total Assets

899.4 m1 b1.3 b1.4 b1.7 b1.9 b2.2 b3.5 b

Accounts Payable

727.3 m762.6 m1 b1.1 b1.4 b1.6 b1.9 b3 b

Total Liabilities

796 m818.7 m1.1 b1.2 b1.5 b1.7 b2 b3 b

Common Stock

49.1 m136.9 m138.2 m141.2 m145.3 m147.9 m150.9 m271.5 m

Retained Earnings

4.2 m7.1 m16.1 m15.9 m18.7 m28.9 m38 m131.7 m

Total Equity

103.4 m194.1 m204.4 m207.4 m214.2 m226.2 m237.6 m448.8 m

Financial Leverage

8.7 x5.2 x6.2 x6.7 x7.8 x8.5 x9.3 x7.7 x

Live Oak Bancshares Cash Flow

Annual

USDFY, 2015FY, 2016FY, 2017

Net Income

20.6 m13.8 m100.5 m

Depreciation and Amortization

3.4 m4.3 m10.3 m

Accounts Receivable

(82.4 k)

Accounts Payable

(1.7 m)

Cash From Operating Activities

(334.7 m)(222 m)(287.5 m)

Cash From Investing Activities

(535 m)

Cash From Financing Activities

347.8 m677.4 m879.8 m

Interest Paid

8.8 m14.5 m25.4 m

Income Taxes Paid

7.1 m

Quarterly

USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018

Net Income

12 m14.9 m4.7 m4.8 m8.3 m6.1 m15.9 m12.5 m

Depreciation and Amortization

1 m1.9 m1.1 m2.1 m3.2 m1.7 m4.1 m3.8 m

Cash From Operating Activities

(178.3 m)(265.7 m)(93.9 m)(170.4 m)(174.5 m)(107.7 m)(182.5 m)(36.1 m)

Cash From Investing Activities

70.2 m8.2 m(91.2 m)(168.7 m)(133.1 m)(263.6 m)(420.6 m)

Cash From Financing Activities

209.7 m319.8 m209.6 m334.5 m596 m161.7 m415.5 m689.3 m

Interest Paid

4.2 m6.5 m2.7 m6.2 m10.1 m4.8 m10.9 m10.4 m

Live Oak Bancshares Ratios

USDY, 2018

Financial Leverage

7.7 x
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Live Oak Bancshares Operating Metrics

Live Oak Bancshares's Total Loans was reported to be $1.1b in Q2, 2017.
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