Live Oak Bancshares annual debt-to-equity ratio
2014
2015
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2025
Live Oak Bancshares Debt-to-Equity Ratio Growth & History (LOB)
Live Oak Bancshares's debt-to-equity ratio was 0.08 for fiscal 2025.
View full Live Oak Bancshares company overviewLive Oak Bancshares annual debt-to-equity ratio history
| Fiscal year | Period ended | Debt-to-equity ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.08 | −0.03 | −27.64% |
| 2024 | 2024-12-31 | 0.12 | 0.09 | +293.60% |
| 2023 | 2023-12-31 | 0.03 | −0.08 | −72.20% |
| 2022 | 2022-12-31 | 0.11 | −0.34 | −76.42% |
| 2021 | 2021-12-31 | 0.45 | −2.27 | −83.51% |
| 2020 | 2020-12-31 | 2.72 | 2.72 | +54617.67% |
| 2019 | 2019-12-31 | 0.00 | 0.00 | +68.43% |
| 2018 | 2018-12-31 | 0.00 | −0.06 | −95.14% |
| 2017 | 2017-12-31 | 0.06 | −0.06 | −51.34% |
| 2016 | 2016-12-31 | 0.12 | −0.02 | −12.17% |
| 2015 | 2015-12-31 | 0.14 | −0.38 | −72.76% |
| 2014 | 2014-12-31 | 0.52 | — | — |
Live Oak Bancshares quarterly debt-to-equity ratio
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Q2.15
Q3.15
Q4.15
Q1.16
Q2.16
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Q4.16
Q1.17
Q2.17
Q3.17
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Q3.18
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Q2.25
Q3.25
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Q1.26
Q2.26
| Fiscal quarter | Period ended | Debt-to-equity ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 0.08 | −0.03 | −24.98% |
| Q1 2026 | 2026-03-31 | 0.08 | −0.03 | −27.27% |
| Q4 2025 | 2025-12-31 | 0.08 | −0.03 | −27.64% |
| Q3 2025 | 2025-09-30 | 0.09 | −0.03 | −23.42% |
| Q2 2025 | 2025-06-30 | 0.10 | −0.02 | −17.33% |
| Q1 2025 | 2025-03-31 | 0.11 | −0.02 | −17.18% |
| Q4 2024 | 2024-12-31 | 0.12 | 0.09 | +293.60% |
| Q3 2024 | 2024-09-30 | 0.11 | 0.08 | +276.65% |
| Q2 2024 | 2024-06-30 | 0.12 | 0.09 | +260.19% |
| Q1 2024 | 2024-03-31 | 0.13 | 0.09 | +246.62% |
| Q4 2023 | 2023-12-31 | 0.03 | −0.08 | −72.20% |
| Q3 2023 | 2023-09-30 | 0.03 | −0.01 | −31.54% |
| Q2 2023 | 2023-06-30 | 0.03 | −0.07 | −68.76% |
| Q1 2023 | 2023-03-31 | 0.04 | −0.24 | −86.45% |
| Q4 2022 | 2022-12-31 | 0.11 | −0.34 | −76.42% |
| Q3 2022 | 2022-09-30 | 0.04 | −0.79 | −94.68% |
| Q2 2022 | 2022-06-30 | 0.11 | −1.43 | −92.93% |
| Q1 2022 | 2022-03-31 | 0.28 | −2.21 | −88.88% |
| Q4 2021 | 2021-12-31 | 0.45 | −2.27 | −83.51% |
| Q3 2021 | 2021-09-30 | 0.83 | −2.16 | −72.16% |
| Q2 2021 | 2021-06-30 | 1.54 | −1.60 | −51.01% |
| Q1 2021 | 2021-03-31 | 2.48 | 2.38 | +2428.12% |
| Q4 2020 | 2020-12-31 | 2.72 | 2.72 | +54617.67% |
| Q3 2020 | 2020-09-30 | 3.00 | 2.99 | +46911.77% |
| Q2 2020 | 2020-06-30 | 3.14 | 3.14 | +46001.43% |
| Q1 2020 | 2020-03-31 | 0.10 | 0.09 | +1213.77% |
| Q4 2019 | 2019-12-31 | 0.00 | 0.00 | +68.43% |
| Q3 2019 | 2019-09-30 | 0.01 | 0.00 | +101.93% |
| Q2 2019 | 2019-06-30 | 0.01 | −0.00 | −6.73% |
| Q1 2019 | 2019-03-31 | 0.01 | −0.00 | −3.82% |
| Q4 2018 | 2018-12-31 | 0.00 | −0.06 | −95.14% |
| Q3 2018 | 2018-09-30 | 0.00 | −0.07 | −95.72% |
| Q2 2018 | 2018-06-30 | 0.01 | −0.25 | −97.21% |
| Q1 2018 | 2018-03-31 | 0.01 | −0.17 | −95.67% |
| Q4 2017 | 2017-12-31 | 0.06 | −0.06 | −51.34% |
| Q3 2017 | 2017-09-30 | 0.07 | −0.06 | −43.78% |
| Q2 2017 | 2017-06-30 | 0.26 | 0.13 | +92.54% |
| Q1 2017 | 2017-03-31 | 0.18 | 0.04 | +29.69% |
| Q4 2016 | 2016-12-31 | 0.12 | −0.02 | −12.17% |
| Q3 2016 | 2016-09-30 | 0.13 | −0.09 | −39.54% |
| Q2 2016 | 2016-06-30 | 0.14 | −0.39 | −74.23% |
| Q1 2016 | 2016-03-31 | 0.14 | — | — |
| Q4 2015 | 2015-12-31 | 0.14 | −0.38 | −72.76% |
| Q3 2015 | 2015-09-30 | 0.22 | — | — |
| Q2 2015 | 2015-06-30 | 0.53 | — | — |
| Q4 2014 | 2014-12-31 | 0.52 | — | — |
Live Oak Bancshares debt-to-equity ratio trends
Over the last five fiscal years, Live Oak Bancshares's debt-to-equity ratio decreased from 2.72 to 0.08, a change of −2.64. The latest reported quarter, Q2 2026, shows 0.08.
About the metric
What the debt-to-equity ratio means
The debt-to-equity ratio compares interest-bearing debt with shareholders’ equity. It helps show how much debt financing a company uses relative to its accounting equity, but useful comparison levels vary by industry.
Calculation and source
How debt-to-equity is calculated
TickerStat calculates debt-to-equity as total interest-bearing debt divided by SEC-reported shareholders’ equity for the same balance-sheet date. Total liabilities are not treated as debt, and periods with non-positive equity are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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