Live Net Income Per E B T vs Net Income Analysis

LOB Stock

USD 45.92 1.15 2.44%

Live Oak financial indicator trend analysis is infinitely more than just investigating Live Oak Bancshares recent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Live Oak Bancshares is a good investment. Please check the relationship between Live Oak Net Income Per E B T and its Net Income accounts. Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Live Oak Bancshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in persons.

Net Income Per E B T vs Net Income

Net Income Per E B T vs Net Income Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Live Oak Bancshares Net Income Per E B T account and Net Income. At this time, the significance of the direction appears to have weak contrarian relationship.

The correlation between Live Oak's Net Income Per E B T and Net Income is -0.04. Overlapping area represents the amount of variation of Net Income Per E B T that can explain the historical movement of Net Income in the same time period over historical financial statements of Live Oak Bancshares, assuming nothing else is changed. The correlation between historical values of Live Oak's Net Income Per E B T and Net Income is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Net Income Per E B T of Live Oak Bancshares are associated (or correlated) with its Net Income. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Net Income has no effect on the direction of Net Income Per E B T i.e., Live Oak's Net Income Per E B T and Net Income go up and down completely randomly.

Correlation Coefficient

-0.04

Relationship Direction	Negative
Relationship Strength	Insignificant

View All Relationships

Net Income Per E B T

Net Income

Net income is one of the most important fundamental items in finance. It plays a large role in Live Oak Bancshares financial statement analysis. It represents the amount of money remaining after all of Live Oak Bancshares operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue.

Most indicators from Live Oak's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Live Oak Bancshares current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Live Oak Bancshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in persons.

At present, Live Oak's Tax Provision is projected to increase significantly based on the last few years of reporting. The current year's Sales General And Administrative To Revenue is expected to grow to 1.68, whereas Selling General Administrative is forecasted to decline to about 98.3 M.

	2021	2022	2023	2024 (projected)
Interest Expense	64.4M	117.0M	343.0M	360.1M
Depreciation And Amortization	21.4M	20.8M	21.3M	12.2M

Interest Expense Depreciation And Amortization

Live Oak fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Common Stock Total Equity	Common Stock Shares Outstanding	Short Term Investments	Non Current Liabilities Total	Total Liab	Property Plant And Equipment Gross	Total Current Assets	Common Stock	Total Current Liabilities	Good Will	Intangible Assets	Other Liab	Accounts Payable	Long Term Debt	Inventory
Total Assets		0.3	0.97	0.78	-0.08	0.97	0.85	0.69	-0.94	1.0	0.99	0.74	0.84	0.99	0.29	1.0	0.85	0.99	0.73	-0.18	0.78	-0.41	0.98	1.0	0.29	-0.63
Short Long Term Debt Total	0.3		0.21	0.35	0.9	0.11	0.13	0.48	-0.39	0.27	0.25	0.27	0.31	0.28	1.0	0.3	0.28	0.25	0.28	-0.12	0.33	-0.18	0.19	0.21	1.0	-0.21
Total Stockholder Equity	0.97	0.21		0.86	-0.18	0.95	0.87	0.7	-0.89	0.96	0.97	0.84	0.91	0.96	0.2	0.97	0.9	0.97	0.84	-0.06	0.82	-0.3	0.98	0.97	0.2	-0.72
Property Plant And Equipment Net	0.78	0.35	0.86		0.05	0.69	0.64	0.83	-0.76	0.73	0.77	0.95	0.94	0.78	0.34	0.76	0.97	0.77	0.95	-0.03	0.88	-0.28	0.77	0.75	0.34	-0.74
Net Debt	-0.08	0.9	-0.18	0.05		-0.27	-0.32	0.32	-0.1	-0.12	-0.15	-0.06	-0.03	-0.07	0.9	-0.09	-0.03	-0.15	-0.05	-0.18	0.04	-0.13	-0.18	-0.17	0.9	0.1
Retained Earnings	0.97	0.11	0.95	0.69	-0.27		0.84	0.6	-0.89	0.98	0.97	0.65	0.77	0.97	0.09	0.97	0.79	0.97	0.64	-0.19	0.69	-0.44	0.97	0.99	0.1	-0.56
Cash	0.85	0.13	0.87	0.64	-0.32	0.84		0.33	-0.63	0.87	0.89	0.7	0.74	0.79	0.13	0.85	0.66	0.89	0.69	0.12	0.62	-0.12	0.82	0.85	0.12	-0.66
Non Current Assets Total	0.69	0.48	0.7	0.83	0.32	0.6	0.33		-0.8	0.62	0.64	0.69	0.77	0.72	0.46	0.67	0.83	0.64	0.72	-0.24	0.76	-0.43	0.67	0.66	0.47	-0.54
Non Currrent Assets Other	-0.94	-0.39	-0.89	-0.76	-0.1	-0.89	-0.63	-0.8		-0.92	-0.9	-0.68	-0.8	-0.95	-0.37	-0.94	-0.84	-0.9	-0.68	0.27	-0.77	0.47	-0.94	-0.93	-0.38	0.54
Other Assets	1.0	0.27	0.96	0.73	-0.12	0.98	0.87	0.62	-0.92		0.99	0.7	0.81	0.98	0.26	1.0	0.81	0.99	0.69	-0.16	0.74	-0.39	0.98	1.0	0.26	-0.6
Cash And Short Term Investments	0.99	0.25	0.97	0.77	-0.15	0.97	0.89	0.64	-0.9	0.99		0.74	0.84	0.98	0.24	0.99	0.83	1.0	0.73	-0.17	0.78	-0.4	0.97	0.99	0.24	-0.64
Common Stock Total Equity	0.74	0.27	0.84	0.95	-0.06	0.65	0.7	0.69	-0.68	0.7	0.74		0.94	0.71	0.26	0.72	0.93	0.74	1.0	0.19	0.86	0.01	0.75	0.71	0.26	-0.81
Common Stock Shares Outstanding	0.84	0.31	0.91	0.94	-0.03	0.77	0.74	0.77	-0.8	0.81	0.84	0.94		0.83	0.31	0.83	0.95	0.84	0.94	0.03	0.88	-0.21	0.85	0.82	0.31	-0.79
Short Term Investments	0.99	0.28	0.96	0.78	-0.07	0.97	0.79	0.72	-0.95	0.98	0.98	0.71	0.83		0.27	0.99	0.85	0.98	0.7	-0.28	0.8	-0.49	0.97	0.99	0.27	-0.59
Non Current Liabilities Total	0.29	1.0	0.2	0.34	0.9	0.09	0.13	0.46	-0.37	0.26	0.24	0.26	0.31	0.27		0.29	0.27	0.24	0.27	-0.11	0.32	-0.19	0.18	0.2	1.0	-0.21
Total Liab	1.0	0.3	0.97	0.76	-0.09	0.97	0.85	0.67	-0.94	1.0	0.99	0.72	0.83	0.99	0.29		0.83	0.99	0.71	-0.19	0.77	-0.42	0.98	1.0	0.29	-0.61
Property Plant And Equipment Gross	0.85	0.28	0.9	0.97	-0.03	0.79	0.66	0.83	-0.84	0.81	0.83	0.93	0.95	0.85	0.27	0.83		0.83	0.92	-0.08	0.88	-0.33	0.85	0.83	0.27	-0.71
Total Current Assets	0.99	0.25	0.97	0.77	-0.15	0.97	0.89	0.64	-0.9	0.99	1.0	0.74	0.84	0.98	0.24	0.99	0.83		0.73	-0.17	0.78	-0.4	0.97	0.99	0.24	-0.64
Common Stock	0.73	0.28	0.84	0.95	-0.05	0.64	0.69	0.72	-0.68	0.69	0.73	1.0	0.94	0.7	0.27	0.71	0.92	0.73		0.2	0.85	0.02	0.75	0.71	0.27	-0.82
Total Current Liabilities	-0.18	-0.12	-0.06	-0.03	-0.18	-0.19	0.12	-0.24	0.27	-0.16	-0.17	0.19	0.03	-0.28	-0.11	-0.19	-0.08	-0.17	0.2		-0.25	0.75	-0.12	-0.19	-0.12	-0.26
Good Will	0.78	0.33	0.82	0.88	0.04	0.69	0.62	0.76	-0.77	0.74	0.78	0.86	0.88	0.8	0.32	0.77	0.88	0.78	0.85	-0.25		-0.24	0.76	0.76	0.32	-0.62
Intangible Assets	-0.41	-0.18	-0.3	-0.28	-0.13	-0.44	-0.12	-0.43	0.47	-0.39	-0.4	0.01	-0.21	-0.49	-0.19	-0.42	-0.33	-0.4	0.02	0.75	-0.24		-0.35	-0.42	-0.18	-0.03
Other Liab	0.98	0.19	0.98	0.77	-0.18	0.97	0.82	0.67	-0.94	0.98	0.97	0.75	0.85	0.97	0.18	0.98	0.85	0.97	0.75	-0.12	0.76	-0.35		0.99	0.18	-0.65
Accounts Payable	1.0	0.21	0.97	0.75	-0.17	0.99	0.85	0.66	-0.93	1.0	0.99	0.71	0.82	0.99	0.2	1.0	0.83	0.99	0.71	-0.19	0.76	-0.42	0.99		0.2	-0.61
Long Term Debt	0.29	1.0	0.2	0.34	0.9	0.1	0.12	0.47	-0.38	0.26	0.24	0.26	0.31	0.27	1.0	0.29	0.27	0.24	0.27	-0.12	0.32	-0.18	0.18	0.2		-0.21
Inventory	-0.63	-0.21	-0.72	-0.74	0.1	-0.56	-0.66	-0.54	0.54	-0.6	-0.64	-0.81	-0.79	-0.59	-0.21	-0.61	-0.71	-0.64	-0.82	-0.26	-0.62	-0.03	-0.65	-0.61	-0.21

Click cells to compare fundamentals

Live Oak Account Relationship Matchups

Live Oak fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	4.8B	7.9B	8.2B	9.9B	11.3B	11.8B
Short Long Term Debt Total	2.6M	1.6B	326.3M	133.2M	23.4M	22.2M
Total Stockholder Equity	532.4M	567.9M	715.1M	811.0M	902.7M	947.8M
Property Plant And Equipment Net	281.5M	259.3M	240.2M	263.3M	257.9M	165.5M
Net Debt	(131.4M)	1.2B	126.3M	(151.0M)	(559.4M)	(531.5M)
Retained Earnings	180.3M	235.7M	400.9M	572.5M	642.8M	675.0M
Cash	134.0M	303.7M	192.0M	284.2M	582.8M	611.9M
Non Current Assets Total	821.6M	1.0B	1.1B	1.3B	257.9M	479.4M
Non Currrent Assets Other	(821.6M)	(1.0B)	(1.1B)	(1.3B)	(1.1B)	(1.1B)
Other Assets	3.3B	5.8B	6.0B	7.3B	9.3B	9.8B
Cash And Short Term Investments	674.0M	1.1B	1.1B	1.3B	1.7B	1.8B
Common Stock Total Equity	340.4M	310.6M	312.3M	330.9M	380.5M	227.8M
Common Stock Shares Outstanding	41.4M	41.1M	41.8M	45.1M	45.1M	40.1M
Short Term Investments	540.0M	750.1M	906.1M	1.0B	1.1B	1.2B
Liabilities And Stockholders Equity	4.8B	7.9B	8.2B	9.9B	11.3B	11.8B
Non Current Liabilities Total	2.6M	1.5B	318.3M	50M	23.4M	22.2M
Total Liab	4.3B	7.3B	7.5B	9.0B	10.7B	11.2B
Property Plant And Equipment Gross	281.5M	259.3M	317.6M	360.1M	355.0M	188.4M
Total Current Assets	674.0M	1.1B	1.1B	1.3B	1.7B	1.8B
Accumulated Other Comprehensive Income	11.7M	21.5M	1.9M	(92.3M)	(84.7M)	(80.5M)
Common Stock	340.4M	310.6M	312.3M	330.9M	344.6M	239.4M
Total Current Liabilities	2.6M	14.5M	8M	50M	5.3M	5.0M
Intangible Assets	3.9M	3.0M	2.3M	1.9M	1.4M	1.3M
Other Liab	50.8M	49.5M	67.9M	73.8M	84.8M	89.1M
Accounts Payable	4.2B	5.7B	7.1B	8.9B	10.2B	10.7B
Long Term Debt	14K	1.5B	318.3M	83.2M	23.4M	22.2M
Inventory	1.1M	5.6M	5.1M	620K	558K	530.1K
Property Plant Equipment	280.9M	259.3M	240.2M	263.3M	302.8M	178.2M
Other Current Liab	4.3B	(14.5M)	(8M)	(50M)	4.6M	4.3M
Net Tangible Assets	532.4M	567.9M	715.1M	811.0M	932.7M	497.6M
Other Current Assets	(547.3M)	(756.6M)	(910.8M)	467.1M	652.8M	685.4M
Other Stockholder Equity	11.7M	21.5M	1.9M	(92.3M)	(1.0)	(1.05)
Long Term Investments	540.0M	7.0B	906.1M	1.0B	1.1B	1.2B
Short Long Term Debt	853K	1.4M	14.5M	8M	50M	0.0
Short Term Debt	2.6M	14.5M	8M	50M	718K	682.1K
Retained Earnings Total Equity	180.3M	235.7M	400.9M	572.5M	658.4M	691.3M
Long Term Debt Total	23K	1.5B	318.3M	83.2M	95.7M	90.9M

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When determining whether Live Oak Bancshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Live Oak's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Live Oak Bancshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Live Oak Bancshares Stock:

How To Invest In Live

Details

Is Live Stock a good investment?

Details

What is Live Oak's Net Worth?

Details

Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Live Oak Bancshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in persons.

You can also try the Portfolio Analyzer module to portfolio analysis module that provides access to portfolio diagnostics and optimization engine.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Live Oak. If investors know Live will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Live Oak listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.68)

Dividend Share

0.12

Earnings Share

1.84

Revenue Per Share

9.05

Quarterly Revenue Growth

(0.19)

The market value of Live Oak Bancshares is measured differently than its book value, which is the value of Live that is recorded on the company's balance sheet. Investors also form their own opinion of Live Oak's value that differs from its market value or its book value, called intrinsic value, which is Live Oak's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Live Oak's market value can be influenced by many factors that don't directly affect Live Oak's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Live Oak's value and its price as these two are different measures arrived at by different means. Investors typically determine if Live Oak is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Live Oak's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Live Net Income Per E B T vs Net Income Analysis

Net Income Per E B T vs Net Income

Net Income Per E B T vs Net Income Correlation Analysis

Correlation Coefficient

Net Income Per E B T

Net Income

Live Oak fundamental ratios Correlations

Live Oak Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Live Oak fundamental ratios Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Other Assets	+ 1.0	Total Assets
Total Liab	+ 1.0	Total Assets
Accounts Payable	+ 1.0	Total Assets
Non Current Liabilities Total	+ 1.0	Short Long Term Debt Total
Long Term Debt	+ 1.0	Short Long Term Debt Total
Total Liab	+ 1.0	Other Assets

Short Term Investments	- 0.95	Non Currrent Assets Other
Other Liab	- 0.94	Non Currrent Assets Other
Total Liab	- 0.94	Non Currrent Assets Other
Non Currrent Assets Other	- 0.94	Total Assets
Accounts Payable	- 0.93	Non Currrent Assets Other
Other Assets	- 0.92	Non Currrent Assets Other