LOB
Live Oak Bancshares·NYSE
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6.87 / 10
Outperform
LOB's fundamentals score 6.9/10, reflecting a positive structure driven by healthy revenue and asset metrics. However, sub-par accounts receivable and current-assets turnover ratios temper the outlook. The stock ranks favorably in PB-ROE and Asset-MV, suggesting reasonable valuation relative to profitability and size, yet Net income-Revenue's low weight indicates room for earnings improvement.
Analysis Checks(6/10)
Revenue-MV
Value0.21
Score2/3
Weight14.09%
1M Return4.29%
Value0.21
Score2/3
Weight14.09%
1M Return4.29%
Profit-MV
Value1.12
Score0/3
Weight-7.95%
1M Return-3.56%
Value1.12
Score0/3
Weight-7.95%
1M Return-3.56%
Accounts receivable turnover ratio
Value25.88
Score1/3
Weight3.12%
1M Return1.09%
Value25.88
Score1/3
Weight3.12%
1M Return1.09%
Income tax / Total profit (%)
Value26.43
Score2/3
Weight3.59%
1M Return1.33%
Value26.43
Score2/3
Weight3.59%
1M Return1.33%
Total assets turnover ratio
Value0.58
Score1/3
Weight4.08%
1M Return1.39%
Value0.58
Score1/3
Weight4.08%
1M Return1.39%
Days sales outstanding
Value72.42
Score2/3
Weight3.05%
1M Return1.06%
Value72.42
Score2/3
Weight3.05%
1M Return1.06%
Net income-Revenue
Value0.37
Score3/3
Weight29.97%
1M Return11.99%
Value0.37
Score3/3
Weight29.97%
1M Return11.99%
PB-ROE
Value-0.94
Score2/3
Weight4.50%
1M Return1.36%
Value-0.94
Score2/3
Weight4.50%
1M Return1.36%
Current assets turnover ratio
Value1.78
Score1/3
Weight3.78%
1M Return1.31%
Value1.78
Score1/3
Weight3.78%
1M Return1.31%
Asset-MV
Value-0.51
Score3/3
Weight41.77%
1M Return9.55%
Value-0.51
Score3/3
Weight41.77%
1M Return9.55%
Revenue-MV
Value0.21
Score2/3
Weight14.09%
1M Return4.29%
Value0.21
Score2/3
Weight14.09%
1M Return4.29%
Days sales outstanding
Value72.42
Score2/3
Weight3.05%
1M Return1.06%
Value72.42
Score2/3
Weight3.05%
1M Return1.06%
Profit-MV
Value1.12
Score0/3
Weight-7.95%
1M Return-3.56%
Value1.12
Score0/3
Weight-7.95%
1M Return-3.56%
Net income-Revenue
Value0.37
Score3/3
Weight29.97%
1M Return11.99%
Value0.37
Score3/3
Weight29.97%
1M Return11.99%
Accounts receivable turnover ratio
Value25.88
Score1/3
Weight3.12%
1M Return1.09%
Value25.88
Score1/3
Weight3.12%
1M Return1.09%
PB-ROE
Value-0.94
Score2/3
Weight4.50%
1M Return1.36%
Value-0.94
Score2/3
Weight4.50%
1M Return1.36%
Income tax / Total profit (%)
Value26.43
Score2/3
Weight3.59%
1M Return1.33%
Value26.43
Score2/3
Weight3.59%
1M Return1.33%
Current assets turnover ratio
Value1.78
Score1/3
Weight3.78%
1M Return1.31%
Value1.78
Score1/3
Weight3.78%
1M Return1.31%
Total assets turnover ratio
Value0.58
Score1/3
Weight4.08%
1M Return1.39%
Value0.58
Score1/3
Weight4.08%
1M Return1.39%
Asset-MV
Value-0.51
Score3/3
Weight41.77%
1M Return9.55%
Value-0.51
Score3/3
Weight41.77%
1M Return9.55%
Is LOB undervalued or overvalued?
- LOB scores 6.87/10 on fundamentals and holds a Discounted 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 Outperform investment rating.
