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

5.79 / 10

Netural

Fundamental assessment rates LOB at 5.8/10, indicating average health. Key positives include Days sales outstanding and Net cash flow from operating activities YoY growth, which rank in favorable quartiles. However, challenges persist in PB-ROE and Profit-MV metrics. Overall, the fundamental picture is one of steady but unremarkable performance, warranting a guarded outlook.

Analysis Checks(8/10)

Revenue-MV

Value0.16

Score2/3

Weight13.45%

1M Return6.62%

Days sales outstanding

Value72.55

Score2/3

Weight2.22%

1M Return1.29%

Profit-MV

Value1.11

Score0/3

Weight-3.78%

1M Return-2.52%

Net income-Revenue

Value0.36

Score3/3

Weight32.13%

1M Return22.66%

PB-ROE

Value-0.94

Score1/3

Weight1.13%

1M Return0.61%

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

Value-26.66

Score3/3

Weight17.25%

1M Return9.56%

Net profit margin (%)

Value-2972.64

Score2/3

Weight1.48%

1M Return0.86%

Income tax / Total profit (%)

Value26.43

Score2/3

Weight1.92%

1M Return1.16%

Asset-MV

Value-0.50

Score2/3

Weight22.65%

1M Return9.65%

Cash-MV

Value0.14

Score2/3

Weight11.55%

1M Return6.45%

Is LOB undervalued or overvalued?

LOB scores 5.79/10 on fundamentals and holds a Fair valuation at present. Backed by its 5.32% ROE, 12.75% net margin, 33.52 P/E ratio, 1.56 P/B ratio, and -19.25% earnings growth, these metrics solidify its Netural investment rating.