The Tip Desk

Live Oak Bancshares, Inc.

Financial highlights

Amounts in millions
MetricFY 12/31/25FY 12/31/24FY 12/31/23FY 12/31/22FY 12/31/21
Income Statement
Net income$105.9$77.5$73.9$176.2$167.0
Balance Sheet
Total debt$102.4$112.8$23.4$83.2$318.3
Cash Flow Statement
Free cash flow$143.5$107.5$138.1-$344.5-$122.8
Dividends$5.5$5.4$5.3$5.3$5.2
Share repurchases————$1.0

Shares outstanding 46.3M · Free float 77.7%

Annual filing data through FY ended December 31, 2025; float as of August 30, 2026.

Coverage