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Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide. The company identifies and extends lending to credit-worthy borrowers both within specific industries, also called verticals, through expertise within those industries, and more broadly to select borrowers outside of those industries. AÂ portion of the loans originated by the Bank are partially guaranteed by the Small Business Administration under the 7(a) Loan Program and the U.S. Department of Agriculture Rural Energy for America Program, Water and Environmental Program, Business and Industry and Community Facilities loan programs.
2008
961
LTM Revenue $520M
LTM EBITDA n/a
$1.2B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Live Oak Bank has a last 12-month revenue of $520M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Live Oak Bank achieved revenue of $493M and an EBITDA of n/a.
Live Oak Bank expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Live Oak Bank valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $434M | $493M | XXX | XXX | XXX |
| Gross Profit | n/a | n/a | XXX | XXX | XXX |
| Gross Margin | NaN% | NaN% | XXX | XXX | XXX |
| EBITDA | n/a | n/a | XXX | XXX | XXX |
| EBITDA Margin | NaN% | NaN% | XXX | XXX | XXX |
| Net Profit | $176M | $73.9M | XXX | XXX | XXX |
| Net Margin | 41% | 15% | XXX | XXX | XXX |
| Net Debt | n/a | n/a | XXX | XXX | XXX |
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As of April 15, 2025, Live Oak Bank's stock price is $23.
Live Oak Bank has current market cap of $1.1B, and EV of $1.2B.
See Live Oak Bank trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $1.2B | $1.1B | XXX | XXX | XXX | XXX | $1.88 |
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Sign UpAs of April 15, 2025, Live Oak Bank has market cap of $1.1B and EV of $1.2B.
Live Oak Bank's trades at 2.3x LTM EV/Revenue multiple, and n/a LTM EBITDA.
Analysts estimate Live Oak Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for Live Oak Bank and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $1.2B | XXX | XXX | XXX |
| EV/Revenue | 2.4x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | XXX | XXX |
| P/E | 13.8x | XXX | XXX | XXX |
| P/E/Growth | 0.3x | XXX | XXX | XXX |
| EV/FCF | 2.4x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpLive Oak Bank's NTM/LTM revenue growth is 15%
Live Oak Bank's revenue per employee for the last fiscal year averaged $0.5M, while opex per employee averaged n/a for the same period.
Over next 12 months, Live Oak Bank's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate Live Oak Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for Live Oak Bank and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 14% | XXX | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | n/a | XXX | XXX | XXX | XXX |
| Revenue per Employee | $0.5M | XXX | XXX | XXX | XXX |
| Opex per Employee | n/a | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 2% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 39% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | n/a | XXX | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
| RAKBANK | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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Live Oak Bank acquired XXX companies to date.
Last acquisition by Live Oak Bank was XXXXXXXX, XXXXX XXXXX XXXXXX . Live Oak Bank acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Sign Up| When was Live Oak Bank founded? | Live Oak Bank was founded in 2008. |
| Where is Live Oak Bank headquartered? | Live Oak Bank is headquartered in United States of America. |
| How many employees does Live Oak Bank have? | As of today, Live Oak Bank has 961 employees. |
| Who is the CEO of Live Oak Bank? | Live Oak Bank's CEO is Mr. James S. Mahan, III. |
| Is Live Oak Bank publicy listed? | Yes, Live Oak Bank is a public company listed on NYS. |
| What is the stock symbol of Live Oak Bank? | Live Oak Bank trades under LOB ticker. |
| When did Live Oak Bank go public? | Live Oak Bank went public in 2015. |
| Who are competitors of Live Oak Bank? | Similar companies to Live Oak Bank include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, National Bank of Fujairah. |
| What is the current market cap of Live Oak Bank? | Live Oak Bank's current market cap is $1.1B |
| What is the current revenue of Live Oak Bank? | Live Oak Bank's last 12-month revenue is $520M. |
| What is the current EV/Revenue multiple of Live Oak Bank? | Current revenue multiple of Live Oak Bank is 2.3x. |
| What is the current revenue growth of Live Oak Bank? | Live Oak Bank revenue growth between 2023 and 2024 was 14%. |
| Is Live Oak Bank profitable? | Yes, Live Oak Bank is EBITDA-positive (as of the last 12 months). |
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