Live Oak Bancshares (LOB) Fundamental Analysis: Revenue, Earnings & Valuation

9.44 / 10

Outperform

Fundamentally, LOB scores 9.4/10 quality. Revenue‑MV and Cash‑MV are favorable, Asset‑MV strong, while PB‑ROE and operating revenue YoY growth lag. Overall rating is Outperform, indicating robust fundamentals despite a few weak metrics.

Analysis Checks(6/10)

Revenue-MV

Value-0.25

Score2/3

Weight11.17%

1M Return1.93%

Days sales outstanding

Value223.49

Score2/3

Weight4.00%

1M Return0.68%

Profit-MV

Value1.04

Score0/3

Weight-25.52%

1M Return-6.12%

Accounts receivable turnover ratio

Value23.42

Score3/3

Weight4.16%

1M Return0.71%

PB-ROE

Value-0.96

Score1/3

Weight-10.94%

1M Return-2.01%

Net cash flow from operating activities (YoY growth rate %)

Value0.93

Score3/3

Weight20.38%

1M Return3.28%

Cash-UP

Value-0.15

Score0/3

Weight-32.75%

1M Return-8.25%

Operating revenue (YoY growth rate %)

Value177.16

Score1/3

Weight-3.64%

1M Return-0.60%

Asset-MV

Value-0.55

Score3/3

Weight107.11%

1M Return11.07%

Cash-MV

Value0.49

Score3/3

Weight26.04%

1M Return4.48%

Is LOB undervalued or overvalued?

LOB scores 9.44/10 on fundamentals and holds a Discounted valuation at present. Backed by its 9.11% ROE, 18.28% net margin, 15.01 P/E ratio, 1.23 P/B ratio, and 30.81% earnings growth, these metrics solidify its Outperform investment rating.